vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX  reported my account late in XXXX of 2022 but my late payment was waived on XX/XX/XXXX therefore a late credit report shouldnt be on my credit file. Its false and inaccurate and was never paid late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I enrolled the " Move money promotion '' from Ally bank back in XXXX last year. " Move money into eligible saving account and get 1 % bonus ''. I move {$50000.00} into my saving and satisifed all the condition by keeping the money in the account. Base on the term, I should get the bonus by XX/XX/23. I still hasn't get my bonus yet. Call them few times but still hasn't received my bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Please refer to previous complaint : XXXX. My son 's Navy Federal Credit Union XXXX XXXX account was hacked and nearly {$9000.00} was stolen by person ( s ) unbeknownst to us. Regarding our previous complaint, Navy Federal 's " investigation '' of this event had gone on for a long period of time and our complaint was pertaining to not receiving any updates from Navy Federal. The previous complaint account was closed by CFPB on XXXX when Navy Federal responded that they were " still working on the issue. '' We finally received a decision from Navy Federal on XX/XX/ that they could not subtantiate that the money was fraudulently removed from the account and thus are holding us financially liable. I am co-owner of the account and neither me, my son nor anyone we know had anything to do with this theft. Navy Federal not being able to prove fraud is NOT the same as proving that we were responsible for this. Additionally, Navy Federal will not share any information regarding their " investigation '' without a subpeoena. We have contacted multiple organizations- Federal Trade Commission , Cyber crime unit of the FBI , and the National Credit Union Association and none of these organization has been able/willing to help us. I have also contacted multiple lawyers and have found no one willing to represent us. Navy Federal promotes a " Zero Liability '' provision for fraudulent activity on their accounts, and I feel that this should apply to us. At a minimum, since they are essentially stating we are guilty of stealing these funds, they should be required to share the information that they feel substantiates this. Otherwise this is analogous to being found guilty without due process. I am hoping that this could be further evaluated and feel that Navy Federal should be made to share their information that implicates us which will ultimately show that we were not found to have committed this crime. Thanks very much for your help with this most distressing matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Solar Mosaic LLC
State: AR

Complaint narrative:
Mosaic : Solar panel loan, has been auto-drafted from my account for over a year. I was not notified that there were any issues with the auto-draft. 3 months passed before I got a letter in the mail saying we owed over {$800.00} to mosaic. I immediately researched my bank account statements and noticed the payments have come out in 3 months. I immediately tried logging in to the mosaic loan portal. Access was denied. I sent an email to the company asking about the past due balance and my account not letting me access. Case no : XXXX. These emails occurred on XX/XX/2023 and XX/XX/2023. I have not received a response from either inquiry. I had no idea the auto draft wasnt happening or the loan was defaulted. I have made every attempt to contact Mosaic but they refuse to speak with me and want me to communicate only with the debt collector. I have received zero written communication from the debt collector. My address was not accurate in the mosaic system. They were saying my physical address with the state Arizona. I live in Arkansas. But we use a XXXX XXXX XXXX We havent been properly notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After over 20 years of having accounts with Bank of America ( BoA ), BoA decided to close all of my and my business accounts with only a 30 day notice. They also cancelled my credit card immediately without notice. I tried to obtain an explanation from BoA, they would not provide one. We opened our business accounts at XXXX XXXX XXXXXXXX XXXX now they have just informed me that they too will close all accounts on XX/XX/23 with explanation. I may have to close my business because of these actions. I need to know what is the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I believe I may be entitled to be eligible to receive a Settlement from Wells Fargo due to a Following Reasons : I was the recipient of a subprime loan with XXXX XXXXXXXX in XXXX just before the demise of XXXX. This loan is adjustable and the interest rate changes every month. 
I have been paying monthly on this loan to XXXX XXXX as the Mortgage Servicer since XXXX XXXXXXXX Failed in XXXX until XXXX, XXXX. XXXX XXXX XXXX went to court in XXXX supposedly to prove they was the Owner of my mortgage although there was no Assignment of Mortgage to XXXX XXXX from XXXX XXXXXXXX or Deed of Trust recorded in the County Land Office to prove ownership.. 
In XX/XX/XXXX, XXXX years later, a Reacted Deed was recorded in the county land office by XXXX XXXX. There was no Assignment of Mortgage to XXXX XXXX XXXX recorded until XX/XX/XXXX. These Recording were the result of a court case on XX/XX/XXXX where the Judge allowed XXXX XXXX to make up all the paper work needed to prove it was the owner and to record it in the County Land Office. 
In XXXX, XXXX, I was notified by XXXX XXXX that my mortgage would be assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the following month. 
Upon Inquiry to XXXX asking who was the Noteholder 's identity ( Owner ) of my Mortgage since I always understood that XXXX XXXX XXXX and XXXX were both Mortgage Servicer. 
I received a letter from XXXX stating that Wells Fargo Bank, N. A. as Trustee for XXXX XXXX Pass-Through Certificates, Series XXXX is the owner of the account and XXXX is the Mortgage Servicer and was responsible for enforcing the Deed of Trust and Adjustable Rate Note on behalf of the Noteholder. ( see upload of copy ) Looking back From the time I was notified around XXXX that I would be sending my payments to XXXX XXXX XXXX until XX/XX/XXXX, I was not allowed to refinance this subprime mortgage that has an adjustable rate that change monthly. For the past 17 years although I had made payments on time and was never late, I had tried to modify this loan or refinance and called many times to inquire and was basically passed around and around until I usually heard a dial tone but no answers. I believe this was due to the fact that XXXX XXXX knew that a Refinance would be a problem because they were not the Owner since they knew none of the paper work was in place at the County Land Office doing those nearly 20 years they serviced my mortgage. 

Now that I have this letter stating that Wells Fargo is the owner, I would like to look into the Settlement that I might be eligible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Dear Cfpb, I am writing to inform you that ACIMA DIGITAL FKA SIMP debt collection practices are in violation of several laws, including the Fair Debt Collection Practices Act ( FDCPA ) and California state laws. 

Firstly, ACIMA DIGITAL FKA SIMP agency has engaged in false representation by misrepresenting the amount of debt I owe, threatening to take legal action that you can not legally take, and using deceptive tactics to intimidate and coerce me into paying. This is a clear violation of the FDCPA, which prohibits debt collectors from making false or misleading statements in an attempt to collect a debt. 

Secondly, ACIMA DIGITAL FKA SIMP agency has threatened to sue me in a non-home state, which is also a violation of the FDCPA. The law prohibits debt collectors from threatening legal action that they can not legally take, and from initiating legal proceedings in a jurisdiction that is inconvenient for the consumer. 

Finally, ACIMA DIGITAL FKA SIMP agency has violated California state law restrictions on debt buying and selling. The law requires debt buyers to be licensed by the state and places restrictions on the types of debts that can be bought and sold. It appears that your agency has purchased my debt in violation of these regulations. As well as threatening to illegally seize property. 

I demand that you immediately cease all collection efforts and remove any negative information from my credit report. Failure to comply with these demands will result in legal action being taken against your agency. 

Please be advised that I am aware of my rights under the FDCPA and California state law, and I will not hesitate to take legal action if necessary to protect those rights. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Subject : Dispute Ref # XXXX Transaction Amount {$1900.00} dated XX/XX/2022 Dear Sir/Madam, I am writing this letter with deep disappointment and frustration over the countless hours spent following up on my dispute request. I had booked a flight ticket through Amex Travel, canceled the reservation due to unforeseen medical emergency before the journey 's start date, and received a confirmation email from Amex Travel with an approved travel credit to be used for a future travel. When I called Amex Travel at a later date to rebook the ticket, they were unable to locate any travel credit in the system.

Despite repeated calls to both Amex Travel and XXXX XXXX, I was forced to proceed with a dispute. Both XXXX and Amex Travel sent emails stating that a travel credit was issued, but neither party knows where the credit amount is placed or how to rebook the ticket with it. From my awareness of accounting principle, when a credit or debit is issued, it should be visible in the system with the customer account. However, why is that nobody is able to locate the credit amount in this instance? 

I'm extremely disappointed by the insensitive attitude of American Express accounting staff towards this situation. Instead of simply denying my genuine request, I request Amex Travel to work with XXXX XXXX to find the travel credit. I believe it is the responsibility of the division to do so when it claims itself to be a seamless travel reservation portal. 

I hope someone from your dispute resolution department can understand my concerns and arrive at a fair decision. I have all the necessary supporting documents for this matter. However, if American Express does not make a fair decision

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: VA

Complaint narrative:
I was double-charged for two mortgage insurances and requested my refund over 20 times and they have denied that anything was owed to my last phone call was on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian will not review inaccurate address from account. I have never lived at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Late XXXX XXXX applied for and received approval for US Bank Business Credit Card XXXX 
I SPECIFICALLY applied as a result of their 18 month 0 % APR purchase and balance transfer offer. 

Approximately first week of XXXX, during what seems to have been system upgrades/updates inside their portal, I was UNABLE to add a payment mechanism to the portal. 

Believing that a bank with XXXX XXXX XXXX  under management would a ) know about it's technology and platform issues, and b ) would rectify them in a timely manner, I presumed, evidently incorrectly, that they were aware of the issue, and would not embark on penalizing its account holders as a result of problems with its site. 

Approximately one week after payment was due in XXXX, I was greeted to a late payment fee of {$39.00}. 

I called in and spoke to a lovely woman who I explained the situation and site issues to. I noted while on the phone with her that the issue had been resolved, and processed payment immediately. She also as a result of recognizing US Bank 's technology failures reversed the late payment fee of {$39.00}. 

Fast forward one month and I'm looking at an unusually high bill on the account. I look at the statement and I'm greeted by the 0 % 18 month intro period disappearing and being replaced with 23.49 % APR. 

I call in twice today. 

First, the woman I spoke to placed me on hold for several minutes ( what she called " a moment '' ), and the second the supervisor got on the line, she hung up on me after attempting to verify that XXXX 's name was in fact spelled as XXXX. 

On the second call, XXXX, who evidently thinks its appropriate to address customers as anything other than Sir or XXXX XXXX saw fit to interrupt multiple times while attempting to notify US Bank of its CONTINUED error stemming from its site errors last month. 

As a result of US Bank 's continued errors I am now being billed in excess of XXXX XXXX that I am in no way due or accountable to and this needs to be rectified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
In accordance with the federal crediting Act this creditor has violated my right under 15 U.S.C. 1681 Section 602 stated I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666 : A creditor may not treat a payment on a credit card account under open-end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to Experian about several inaccurate late payments that were reporting on my consumer report on XX/XX/XXXX there where 4 on my report, according to 15 USC 1681A ( 2 ) ( a ) ( i ) It states *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, consumer law states transactions are not part of a consumer report and so they deleted them and updated my consumer report on the XX/XX/XXXX because I had gotten an alert my score went up XXXX points then today they put them back on I think its because I filed a complaint with you guys about them not updating the other disputes about the fraudulent inquiries that they refuse to correct all Im asking is for them to follow the laws in place consumer laws that is there taking this personal all my disputes are valid and within the law its nothing Im making up I just studied my consumer laws and I have the right to dispute inaccurate information that they are choosing to report XXXX XXXX Account XXXX XXXX | Date opened : XX/XX/XXXX, XXXX Late Payment Reported XX/XX/XXXX, XX/XX/XXXX XXXX XXXX| # XXXX Date Opened : XX/XX/XXXX | Late Payment Reported : XXXX XXXX XXXX XXXX  | Account # : XXXX Late Payment Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX | Account # XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation