vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX  XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, 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 604 A 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 non-monetary relief
Consumer complaint received 2022-04-28 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX  XXXX , XXXX XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: MD

Complaint narrative:
At Freedom from Debt Relief program, currently there is {$5900.00} in my dedicated account to pay off a settled debt of {$5900.00} which will leave a balance of {$61.00} due to be debited from my checking account XX/XX/2022. My account with them will have the exact amount through which the balance of {$5900.00} can be paid. They are refusing to pay off the debt with the available funds and are looking to debit more funds from my checking account. Friday XX/XX/2022 is the last payment in which {$61.00} will be debited from my account because that will be final amount owed to the settled debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, ****, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2022-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had my car loan with XXXX XXXX for 72 months, but after my payment number XXXX, the pandemic hit and I asked for a extension of 4 months and they agreed, so I started paying again the number XXXX in XXXX XX/XX/2020, at the end of my payment number XXXX, they told me that I had to pay 4 more months, and i said how since i already paid 72 months! so they started trying to collect and I paid the extra 4 months because I didn't want problems with the collecting agencies and my credit score.

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 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I have a credit card with Bank of America I signed up for auto payments prior to paying off my balance. After paying my balance I had a credit of {$150.00} which I was just sent a check that I had to request. 

The clerk that issued the check at BOA, did not turn off the auto pay and another {$150.00} was taken from my account even though I had a {$0.00} balance. 

The first call I made regarding this matter was XX/XX/2022. The first person I spoke with regarding this second autopayment that was taken, said she would try to reverse the charge back to my account or send me a check which she did neither. 

I called Bank of America again on XX/XX/2022 at XXXX XXXX central to have the check released for a second time and this time they refused. They said I could not be authenticated. 

Not sure why not they sent me an email to the email they have on file XXXX, I called from the telephone number they have on file my landline XXXX. I provided them my Social Security number and the last 4 numbers on the credit card account number. They said because I do not have my card and could not give the the 3 digit security code they are refusing to release my money, nor will they allow me to speak with a Supervisor to resolve this issue they said it's against BOA policy. I was told I need to go to a BOA location and provide 2 forms of identification before they would talk to me and release my money, a check they would mail to my home which is the same address they have on file. 

Also the person servicing me would not give me his name when I called on XX/XX/2022 at XXXXXXXX XXXX 

My question is how can a credit card company be allowed to take money when from a person 's account when they have a {$0.00} balance and refuse to refund their money because I lost my credit card even though they were able to validate me?

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My ex-wife filed for bankruptcy in I believe, early to XXXX -- we separated in XXXX and divorced in XXXX. Months later I noticed a delinquent account on my credit report to Synchrony Bank for a " Care Credit '' charge account. I contacted Synchrony about this and they claimed I was on the account. I stated I was not, and even my ex-wife states to this day that I was not on the account. When I protested it, Synchrony sent me a claim review letter that stating I was on the account because " Payments have been made by me on this account '' and " The account has been open for more than 12 months with statements sent to you. '' Both are false -- I have never made a payment to this Care Credit account, and I never once received a bill. In fact, the first mail I received from them was that claim waiver, and it was addressed to " XXXX XXXX, '' so they don't even have my proper name and I have never gone by that alias. Also, I have now and in the past had four Synchrony accounts, and have never been late on one of them. Why would I suddenly stop making payments if the account was mine. And, I can see every account with Synchrony with my login online, but yet the Care Credit account does not show there.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XXXX XX/XX/2022, TransUnion reported XXXX XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I have NO IDEA why. I did not apply for credit, housing or employment anywhere. This appears to be fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. 

The bank that ran my credit was listed on my credit report as below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX ( XXXX ) XXXX But after calling, they say this information is not correct. 
The correct phone number is : XXXX I advised them what happened and gave them my info. They reported they just started receiving many calls with the same complaint. They said their Security Dept would return my call within 48 hours. That was today, XXXX XX/XX/2022 No further at this time.

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 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
My consumer report has a line item from XXXX XXXX  for a medical debt purchased from another company. This debt has already been paid. My consumer credit score has been negatively impacted. I sent a Cease and Desist notice dated XX/XX/22 by certified mail on XX/XX/22, and it was received on XX/XX/22. The corporation has failed to communicate with me within the 7 days response time per my demands in connection with this notice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX use closed this account/complaint without my information

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 2022-04-28 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: NV

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
Wells Fargo has been on my credit report over the time it should of been they havent took it off yet please help me get them to take it 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 explanation
Consumer complaint received 2022-04-28 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: NJ

Complaint narrative:
I would like ( CREDITREPOTING AGENCY NAME HERE ) to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX they have caused me and my family.

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 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These accounts violated my federally protected rights. The following accounts are with XXXX balance. XXXX XXXX, XXXX XXXX XXXX balance in TransUnion and XXXX ) , XXXX , XXXX ( only reports to XXXX ) These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.

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 2022-04-28 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: NC

Complaint narrative:
These accounts violated my federally protected rights. The following accounts are with XXXX balance. XXXX XXXX, XXXX XXXX XXXX balance in XXXX and XXXX ) , XXXX , XXXX ( only reports to XXXX ) These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.

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 2022-04-28 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: IL

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank 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 2022-04-28 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: IL

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank 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 non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Loan Applicant initiated a request for conventional loan to purchase an investment property with Wells Fargo, on or about XX/XX/2022. 

Wells Fargo requested a Letter of Explanation- Large Funds-Statement of Funding Source, on or about, XX/XX/2022. 

Wells Fargo requested a Source of Funds for Large Deposits-Statement of Funding-Source, on or about, XX/XX/2022. Documentation from Loan Applicant was requested to show the source of funds for several large deposits. 

The Loan Applicant provide Wells Fargo, a statement on or about XXXX XXXX to explain. The Loan Applicant 's Spouse performed several income distributions from a Private Entity. Further explaining the Private Entity is not a party to the Loan Application and will not be added the Deed. The Large Deposits and Source of Deposits is distributed income. Back and Front copies of each source of funds was provided to Wells Fargo. In coordination, with a title company the Deed will be assigned to the Loan Appliant only. 

Wells Fargo advised, on or about XX/XX/2022, the Loan Applicants explanation was insufficient. Wells Fargo requested access to the Private Business 's bank account records. The explanation given by Wells Fargo is that FDIC requires verification the Source of Funds is not foreign, illegal, ponzi scheme, or other forms of fraud. 

Multiple phone calls and emails were exchanged during XX/XX/XXXX to XXXX, XXXX. 

The Loan Applicant, during XX/XX/XXXX to XXXX, XXXX, requested clarification of Wells Fargo policy for Proof of Funds, Source of Funds, Underwriting and Closing procedures. 

The Loan Applicant, on XX/XX/2022, emailed Wells Fargo to advise he/she was considering cancelling the loan application due to unanswered questions. Wells Fargo 's requirement to pierce a Private Entity and an excessive means to verify the Source of Large Deposits. 

Wells Fargo, on XX/XX/2022, contacted the Loan Applicant to discuss the unanswered questions and to apologize. 

The Loan Applicant, on XX/XX/2022, inquired if Wells Fargo would accept a letter from a bank institution on behalf of the Private Entity. Such that if the letter written by the bank could validate the Source of Funds is active, in good standing, valid and legal. 

Wells Fargo, on XX/XX/2022, advised a letter written by a bank is not sufficient. The only way to suffice the Wells Fargo requirements is to provide the bank statements of the Private Entity.

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 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I, XXXX XXXX, a consumer and natural person, was denied credit by TD Bank, N.A, when I applied for a line of credit.

Taking adverse action against a consumer is absolutely AGAINST THE LAW according to the Equal Credit Opportunity Act codified in 15 U.S.C 1691c, which emphasizes that they can not discriminate against credit applicants when the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Pursuant to 15 U.S.C 1692k, TD Bank , N.A . is civilly liable. TD BANK, N.A, is also in violation of the following codes : 15 U.S.C. 1642 15 U.S.C. 1681m 12 CFR 1002 12 CFR 1026.1 20 ( iii ) I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this unauthorized use of my credit card and has caused my credit score to decrease and my business proceedings to suffer because TD Bank N.A. used my credit card and extended no benefit.

Pursuant to 12 U.S. Code 83 banks can not loan their own stock. It is clearly stated and also set in precedence with case law.

A national bank has no power to lend its credit to any person or corporation. 
... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

This means it is not their credit that is being extended but MY credit they are denying me access to. I am aware of double banking and how they pull this off and that I am in fact the original creditor. Their role is to provide a finance charge and service my request for credit. 

Pursuant to 15 USC 1602 ( j ) I have an open ended consumer credit plan. Since my credit plan is open ended and TD Bank can not lend its own stock, TD Bank , N.A . in fact has no right to deny my credit request.

Please take note that if TD Bank, N.A fails to make the reasonable procedures to issue the credit I personally guaranteed, meet my said demands below and compensate me for the use of my credit card, I will indeed make TD Bank, N.A criminally liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I have asked them to meet the following requests : 1. Issue the line of credit they used my credit card to access.

Please further in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There is an alleged account on my credit report that is reporting incorrectly and should not be on my report. This company has sent me a letter of discharge stating that the account has been discharged and should be removed from my credit report but it is still reporting.

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