vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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: GA

Complaint narrative:
On XX/XX/2022, I mailed you a letter disputing 3 accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX XXXXXXXX XXXX  I REQUEST that you EQUIFAX VALIDATE { not verify } this account XXXX XXXX XXXX  XXXX you supplied on your consumer report PLEASE enclose the following { 1 } Who you Spoke to, what was said in { all detail both parties associates you spoke to what was said by both parties their contact information the time date you contacted these people any co-workers you may have contacted and talked to both side of conversation, the original owner contact information and address you Equifax verified this account on your credit report you sent me. verified means make sure or demonstrate that { something is true or justified LAW swear to or support { a statement by affidavit } VALIDATION MEANING the action of checking or proving the validity or accuracy of something CFPB I have the right to this information past due on this account is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I had a XXXX, XXXX, XXXX, was stolen and a police report was generated. After going back and forward with XXXX XXXX XXXX regarding the payoff balance and GAP insurance. In May, the vehicle was officially paid off and I notified by XXXX XXXX that the lien was paid in-full but recently I pulled my credit report and noticed that the lien was reported as a repossession even though XXXX XXXX sent letters indicating that the lien was paid off.

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid off a home equity loan on about XX/XX/2022. The balance was just under {$2800.00}. After the balance was paid off, the bank, XXXX XXXX, charged me interest on {$0.00} in the amount of {$4.00}. I didnt realize this, assuming I had paid off the balance and owed no more. The {$4.00} incurred a late fee of {$0.00} and two weeks later this was reported to Transunion who the dropped my credit score by XXXX XXXX for a late payment. I believe this looks nothing like a fair credit report for me. My score was XXXX, Ive had a mortgage for 13 years with no late payments, I took out a second mortgage, all utilities, car payments, two mortgages, all paid on time. Always. Its all on autopay. But now, my bank charges me a strange maintenance fee on a paid account and a month later my score is destroyed. How is this a fair portrait?

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 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
A feature of the XXXX XXXX XXXX XXXX XXXX Barclays ) is the Baggage Delay insurance. I've contact the insurance Company ( XXXX  ) and completed the claim, but I CAN NOT get a response back from XXXX. Barclays states there is NOTHING they can do. 

As a promoted feature of the Barclays XXXX XXXX, I believe it is something I should be have access to and a service that should not blow me off as a way of ignoring the claim.

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 2022-08-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I sent Amex and their registered agent a billing error notice. They have 30 days to reply. As a consumer, they failed to apply a credit that I am due, and also they withheld this disclosure from me. Pursuant 12 cfr 1026.13 this constitutes as a billing error. Amex is notorious for shutting down consumers accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and cant do to the consumer. I feel as Amex has taken a advantage of me for a long time. They withheld this disclosure while I was paying them when I was due a credit. Im demanding my credit be applied every month as stated. The same letter was also sent to The Alabama Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: GA

Complaint narrative:
On XX/XX/2022, I mailed you a letter disputing 2 accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed.

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. 

I have enclosed the original letter Outlining the disputed accounts. 

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: AL

Complaint narrative:
Amerifiniancial Solutions Medical debt XXXX They did not reached out to me about this debt when I finally got in contact with them about this debt and asked for validation of the debt they couldnt give me any information and still didnt send me anything about this debt but is still reporting even after I tried to dispute it on mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
My mortgage was recently purchased by Freedom Mortgage Corporation. I received a notice of this change dated XXXX. Upon receiving my first billing statement, I noted a {$150.00} fee ( undefined reason ). I called Freedom on XX/XX/XXXX about what the fee was for and I was told it was for an appraisal. I informed them that I didnt request an appraisal and had no need for one and to kindly remove the fee from my account. I also notified the customer service rep that this was predatory behavior and I wouldnt accept it. She submitted a request to review the fee to their customer care team. While I waited on the response I did some research online. This company just settled a class action lawsuit in XXXX for, guess what, charging fees for home appraisals. Looking at the settlement, the amount paid in the settlement appeared to be less than the fees they charged. I am rather confused by that, but I digress. I received a letter dated XX/XX/XXXX that says the Customer Care Team received my inquiry regarding a fee and that the corporate advance fee was an appraisal fee. It made no reference to my request to remove the fee, nor did it justify the fee based on any mortgage paperwork I had signed. This is absolutely unacceptable. I have no control over my mortgage being sold to a bunch of scam artists. I no longer feel comfortable setting up automatic payments with this company since they will steal from me if I let them. Please assist me in correcting this type of behavior with selfish corporations like Freedom Mortgage and remove a fee from my account intending to prey on me in the hopes that I wasnt aware of an increase in my mortgage bill.

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 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I recieved a notice from one of my credit card companys that a new credit card was opened in my name on XX/XX/22. I never opened a new card in my name. I went on experience and found a Barclays Bank credit card was opened in my name. I did not open this.. 
The address used for the card was for XXXX XXXXXXXX  which I have never lived in or used as a mailing address. This is fraud. I called barclays and they said they would shut the card off and investigate. I called XXXX and they said the same that they would investigate. I opened multiple disputes and the keep claiming that it is accurate. It is not accurate. It is fraud. I filed a police report with XXXXXXXX XXXX XXXX XXXX  on XX/XX/22 after two more accounts opened up on my credit report from a XXXX XXXXXXXX and XXXXXXXX XXXX consolidated on XX/XX/22. I called both of these companies and the cards were canceled. Barclays card has not been canceled after multiple dispute complaints.

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 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I been going back in forth with Bank of America to get my money back from a claim I filed with them they have been giving me the run around saying that my claim was approved then when I called them they are telling me something different. I been dealing with this situation since XXXX I was ask to give all required documents such I.D, police report and proving documents to get my money back I do that then I be told it is denied. I also have been told they have video footage of someone walking up to the ATM to take money off my card that is not me. I just want what I put in a claim for so I can pay my bills. So in XXXX I filed a police report stating that I was a victim of identity theft and my XXXX card was sent to different addresses as well as I didnt receive my stimulus checks. I talk to XXXX didnt know I was approved for XXXX because different representative would tell me I was denied getting unemployment until I sat on the phone for two hours in them telling me I was approved in that my card was sent to a different address. So I wasnt able to file a claim until XXXX of this year is because thats when I fought out. So I told Bank of America what happen in they tell me I was denied the claim because I waited to long to dispute the charges made on the account. Which is false I didnt know I was approved for XXXX because I was being told I was denied for it by different representatives. I feel the people that work for Bank of America are new workers because everyday that I called I get told different things regarding my claim which is not right and people are not really doing their job. Im in the process of being evicted out of my house because of Bank of America not giving me back the money that I put in a dispute for. I just want my money so I can pay my bills and rent in get out of debit. Bank of America has been denying my claim of XXXX I requested for supporting documents to be sent to me which was sent to me I received the documents in it was pictures of two people that was not me so basically they have been denying my claim based of the pictures that they pull up at a atm machine. I resend a picture of my I.d in color to show it wasnt me on the photos in they denied my claim again. I just want the money that is owed to me because Im facing a hardship right now. I can provide the pictures in my I.d as well to support my claim with your company.

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 2022-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is assessing late fees on the same date as the payment due date and even though payment was made on the payment due date on my Walmart credit card. Capital One is the only bank that uses early cut off times. If you log in one minute past XXXX the system will only allow you to choose the next day to submit the payment. So even though payment was made on the payment due date, I am still assessed a late fee because of the early payment cut off time. All of the credit card companies that I deal with allow you to make a payment before XXXX pm before assessing a late fee and Capital One should do the same. Capital should have to explain why their cut off time is earlier than any other credit card company. If a payment is made before XXXX such as XXXX, Capital One has not problem taking out of my checking account in less than XXXX hours because I will receive a notification on my phone and e-mail that a debit to Capital On has been processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS IS NOT A DISPUTE. TRANSUNION BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE TRANSUNION ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).

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 2022-08-04 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: PA

Complaint narrative:
On XX/XX/XXXX XXXX Ive spoke to XXXX from Equifax about two accounts on my Credit Report. Which are # XXXX XXXX XXXX Account ending with # XXXX, its closed and charged off, Also # 2 XXXX XXXX XXXX which doesnt have an account # on this report. As I ask the question of do you have a signature on these accounts from me that I consent to these accounts, XXXX started giving me the definition of the banking system and The Credit Bureaus and I asked again do you have my signature to consent these accounts. Again XXXX dodged the question and I can heat in his voice he was irritated so I asked for a supervisor it took 10 minutes he stated they dont need a signature he knows the law I said do you understand what 15 usc.1681 b2 he says yes you must dont fully understand the law his voice got louder as I started to read ( 2 ) disclosure to consumer which I didnt get a chance so I said you have a great. Im going to file a report this has made me feel sad someone yelling on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover emailed me on XX/XX/XXXX at XXXX regarding suspicious activity on my account and froze it temporarily until I could call to resolve. I called them at XXXX on XX/XX/XXXX to discuss the notification. When I called, Discover had informed me they made a " business decision '' and closed my account, without any notification to me. They have termed all my online rights and removed me as a member. All of my funds and income are in this account. 

After trying several times to speak to a supervisor or someone to help, they told me they did not have anyone and I 'might ' receive a call back in 24-48 hours. With being a new mother and all my funds are in the account I expressed I did need to talk to someone about what was going on and how we can resolve this or grant me access to my funds so I could get formula for my baby. They did not further assist me and told me a " business decision has been made ''

Company response to consumer: Closed with non-monetary relief