vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: U.S. BANCORP
State: NY

Complaint narrative:
As of XX/XX/2023 I have noticed fraudulent accounts and inquiries on my credit and consumer reports and other consumer reporting agencies. These fraudulent accounts must be removed permanently and indefinitely in my ftc reports its listed incorrect names addresses and employment this is grounds for removal!!! 

FAIR CARES ACT DISPUTE Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

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 2023-04-04 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I arrived in the United States in XX/XX/XXXX, and I bought my XXXX XXXX XXXX  in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, financing it at 20 % interest. They told me that they would report my payments to the credit bureaus to help me build my credit. After two months, my payments were not showing up on any credit report, so I went to the dealer to complain. The following month, I found out that my loan had been sold to American Credit Acceptance. They called me and said that they would report my credit, but I needed to make three months of payments with them before they could do so. 

In XX/XX/XXXX, I called American Credit Acceptance because my monthly payments were still not showing up on my credit report, and they had not reported anything. They told me that it would be reported in 10 days. After 20 days, I called them again because my payments were still not showing up on my credit report, and they said that they had filed a dispute with XXXX and that it would take 3-4 days. I called XXXX, and they said that they had not received any report from American Credit Acceptance. A week later, I called American Credit Acceptance again, and they said that they would not report my account due to limitations in their system ( which they did not explain ). I have been paying 20 % interest on my car since XX/XX/XXXX, and they are not even reporting my payments to the credit bureaus. They told me that the only option I have is to refinance, but I have been paying them for 7 months, and they have been lying to me and keeping my money without even reporting it. I am filing this complaint for their bad practice, the lies they told me, and the time wasted. 

Currently, I have four accounts in my credit, not including the car because it has not been reported. I have a XXXX on XXXX score and XXXX on XXXX XXXX score. I opened my oldest account in XXXX with XXXX Bank, and now I also have an account with XXXX and four credit cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc.
State: IN

Complaint narrative:
I received a deposit into my Skrill account for {$8000.00} when I went to log into my account it would not let me log into it to access my funds luckily I had already copied my virtual card information when I went to use it it was invalid now I'm unable to log in to my account please help me in any way you can this happened today Tuesday XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has not updated my credit report to show this account is removed as stated in the response. XXXX XXXX is the absolute worst, due to this unnecessary false information they've refused to remove from my credit report I've filed a lawsuit against their company. Experian and XXXX XXXX received the required affidavit, Experian DID NOT send any information in the mail regarding this disputed account. XXXX XXXX DID NOT complete and investigations nor send the requested information they claim as verified to my lawyer. No one should have to go through this and we are going to make sure better verification protocols are put in place during this lawsuit. 

Experian REMOVE this account.

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 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX Act. # XXXX XXXX XXXX Act. # 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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a checkin account at BMO Harris. On XX/XX/XXXX, I deposited XXXX $ worth of checks with mobile deposit. They started a fraud investigation. Around XX/XX/XXXX, I was told the account was closed and I would recieve a check. On XX/XX/XXXX, I see on my account " Close '' and XXXX XXXX Around XX/XX/XXXX, I never received that check. I called, and I was told that I would not received a check, that is the standard script they read. Instead, my money was put in unclaimed property. They refused to give me any form of documentations, paperworks, nor any procedure to recover those funds. Only that XXXX  XXXX  have to claim the money. Signature bank ( now XXXX ) doe n't know what to do, they ask for a letter for misapplied funds. BMO refuse and ask for an Hold Harmless Letter. So I am stuck between those two banks.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
To whom it concern : I believe my wife and I personal identities have been compromised by a fraudulent agent that stated he was a customer service representative from Back of America. He informed us that {$400.00} was debited from our checking account and he needed our social security numbers and debit card information in order to reimburse us for this fraudulent charges to our account. We contacted Back of America fraud department to inform them of this situation and also contacted the Attorney General of Rhode Island to inform him of this situation. The Bank of America fraud department informed us that they did not contact us and have no record of any customer service representative had contacted us. Therefore, the fraud agent from Bank of America is scam and that we needed to contact social security department and Attorney General of Rhode Island about this situation.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Whereas every obligation is to be discharged upon payment, dollar for dollar ( in any coin or currency which at the time of payment is legal tender for public and private debts ). And where every provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed ; please take the necessary steps to discharge any debt incurred from consumer credit transactions on this card under HJR 192. 

Additionally, in accordance with 15 U.S. Code 1666 ( A ), please take the necessary steps to credit any balance created in connection with consumer credit transactions on this credit card. 

Capital One Venture One XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I called into Equifax to dispute unauthorized inquiries from my credit report. I was informed by a representative and his supervisor thats its against the law for them to submit a dispute for me and I would need a police report to do it on my own. I asked for the law that governs inquiry disputes, and was told to XXXX it. All credit reporting agencies do the same. However, I reached out to XXXX, and they were more than helpful in submitting my disputes for me. Misinformation and the inability to help a customer, is unacceptable. I called CFPB, and was informed that the information from Equifax is false and a customer has the OPTION to submit documents. It is NOT a requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Groves Capital, Inc.
State: FL

Complaint narrative:
I am a XXXX XXXX for 4 years now and I can confidently say this is the absolute worst company I have dealt with and I am so embarrassed that I chose them to represent my purchase for myself. It started with my loan officer XXXX XXXX making empty promises over and over again to the point of 0 trust in his word. The deal was full of discrepancies and could not be closed due to pure negligence and lack of communication between all parties involved specifically the processor XXXX XXXX. 
I had the file escalated to the CEO and Owner of this company which stepped in and tried to help but without any result due to an incompetent team. We extended the closing date 3 times and about 3 weeks and weren't able to close in the end due to failure to disclose certain terms and fees that I was not willing to sign on under pressure. They added a pre-payment penalty and extra fees mid process, had I signed without reviewing the terms like most people do I would have ended up with a horrible loan and stuck with an 8.125 % rate for years. I lost time, money and my sanity working with these people. I have lost all my 6 months plus work on my home search and mortgage application plus about {$2000.00} and my sanity. I have to start over now. These people should be investigated and should not be handling anyone 's money. See attached example of one major discrepancy from what was disclosed on the Loan Estimate verses what was finalized on the Closing Disclosure ( pre-payment penalty added ). 

Mortgage Company : Groves Capital Inc. 
Lenders : XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-04-04 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: CA

Complaint narrative:
I have 128 payment periods with certified employment under the TEPSLF/PSLF program. The XX/XX/ payment period put me at 120, that was when my loans should have been forgiven per the rules promulgated by the Department of Education. At that point, my credit report shoulod have been updated to reflect the balance due was {$0.00} that the loans had been forgiven because I am a federal employee. That has yet to happen -- after 8 months. Because of this 8 month delay in updating the status of my student loans, I have had to pay more interest because of my " excessive unsecured debt '' all because the promises made by the Department of Education have not been kept.

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 2023-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have 128 payment periods with certified employment under the TEPSLF/PSLF program. The XX/XX/2022 payment period put me at 120, that was when my loans should have been forgiven per the rules promulgated by the Department of Education. At that point, my credit report shoulod have been updated to reflect the balance due was {$0.00} that the loans had been forgiven because I am a XXXX XXXX. That has yet to happen -- after 8 months. Because of this 8 month delay in updating the status of my student loans, I have had to pay more interest because of my " excessive unsecured debt '' all because the promises made by the Department of Education have not been kept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XXXXXXXX XXXX PENFED Credit Union seized and transferred {$280.00} from my checking account and applied it toward my PowerRewards Card with PENFED, leaving me with {$70.00} in my bank. After explaining the money they seized was child support payment and that I am currently unemployed ; they argued that due to a security of interest clause in my membership agreement from XXXX  ( which pertained to an credit amount of {$2900.00} ) apart of a separate agreement allowed this to enforce their action. They argued that they would not return the money, although they could see that it was indeed a money transfer authorized to me. They also stated the amount they seized did not cover the full debt amount as I initially already possessed less than {$1000.00} in my bank account.

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 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
UWM canceled my enrollment in autopay without my knowledge or consent. This caused for my mortgage to become delinquent. They called numerous times but failed to leave a message. My credit score has been negatively impacted due to this. I have contacted them to assist but they are unwilling to remove the late payment. The first time this happened, they admitted fault and deleted the late fee. I caught it before it was reported to the bureaus the first time. This second time, I did not catch it in time and it was reported to the credit repositories.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: VA

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 u.s.c 1681. 
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.

15 u.s.c 1681c ( a ) ( s ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of the convictions of crimes which antedates the report by more then seven years.

15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The credit card was on auto pay, and Bank of America still processed a payment on the account, causing a credit balance of {$1100.00}. After a phone call, they indicated they would send the balance back to our payment account within 5 business days. This was not done. I referenced a legal requirement found that indicated that a financial institution would have seven days to provide a refund if requested in writing. I contacted BofA to obtain this address and was told they did not have a place to send these inquires. I told them this was contrary to the law and was met with silence.

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 2023-04-04 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: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Your Account XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) + XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX {$3500.00} ( Credit Card Opened by the Thief ) Delete XXXX XXXX  XXXX, XXXX report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report

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