vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Over four years now I have received my mortgage payment over {$510.00}. When I call Bank of America questioning the " Other Advances '' fees of ( {$30.00} - {$35.00} ). Never receive a direct answer, UNTIL... XXXX XXXX XXXX assisted me with my mortgage. I then was told my mortgage is only {$490.00}, however they stated that the additional " Other Advance '' fee was because an XXXXnspector came to inspect my property in XXXX and XXXX of 2022. Keep in mind that there was no one who Inspected my property. Thus {$30.00} is for XXXX and another {$30.00} is for XXXX, and it was a XXXX time fee. However, those fees have been on my statement for over four years! 

Again, when the government assistance program paid my mortgage there was no ( {$30.00} - {$35.00} ), for three months! Once the program ended, the {$30.00} fees returned.

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 2022-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I asked for the following information that I did not receive on my last request. Please provide me with payment history as well as date of first delinquency and a copy of my last payment for the following account : XXXX XXXX - XXXX Please send me a copy of my credit report showing payment history, and date of first delinquency. Also please include a copy of my last payment. 

If unable to provide please remove/delete account. 

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 2022-11-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Tiffany & Bosco, P.A.
State: CA

Complaint narrative:
To Whom it may concern : re : XXXX FILE NO. XXXX The servicer, XXXX XXXX XXXX is saying to me the foreclosure is handled by the attorney firm Tiffany and Bosco XXXX 

Please provide the following information : XXXX ) name and contact information for the Attorney at Tiffany and Bosco in charge of the file. 

XXXX ) Copies of documents evidencing their appointment as the XXXX and copies of any Power of Attorney granted to them and by whom? 

XXXX ) Signed affidavit by the Trustee of the Deed of Trust validating the actual amount of debt owed and is being foreclosed on. 

XXXX ) Copy of your response to my objection letter of XX/XX/XXXX to your debt validation notice of XX/XX/XXXX. 

XXXX ) Provide XXXX XXXX XXXX report showing both sides of the ledger since the origination of the loan in XXXX and proof of who funded the loan? 

XXXX ) Company Name, address and contact details of the current holder-in-due course. Per USC Title 18, Part 1, Chapter 101 2071, the holder- in-due course is required by law to maintain good care of my legal instrument. 

XXXX ) Per UCC 3-104, the endorsement by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAY TO THE ORDER OF without recourse .... '' at the bottom of the document titled, HOME EQUITY LINE OF CREDIT AGREEMENT AND DISCLOSURE mean that, my instrument was altered into a demand draft and was cashed at par value of the instrument like a check? If not, please explain the purpose of that endorsement and the outcome of the alteration of my instrument. 

XXXX ) Please provide where in the note or deed of trust signed my me, specifies what species the payment has to be made? 

XXXX ) Please explain your understanding of the following codes : XXXX USC 411 18 USC 8 12 USC 83 UCC 3-603 10 ) Copy of the XXXX for the current Beneficiary and XXXX ( XXXX ) XXXX XXXX. 

XXXX ) Copy of your XXXX XXXX XXXX and XXXX XXXX XXXX. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: FL

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 XXXX  # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 ) ( 5 ) 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 than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I transferred money to my Apple Card by Goldman Sachs to cover my balance and my credit card was restricted after. The customer service agent refused to tell me why my card has been restricted or give me a time frame regarding when it will be released. This is unacceptable considering I use this card for the purpose of purchasing groceries and other food items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Self Financial Inc.
State: NC

Complaint narrative:
I told them that loans are only cash in hand, and that i need my check mailed to me. I can not make payments toward a loan that i have not gotten any funds from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: MO

Complaint narrative:
There are inaccurate accounts on my credit report. 
U.S.CODE 1611-CRIMINAL LIBILITYY for willful and knowing violationly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

15 U.S.C. 6803 -Disclosure of Institution privacy policy 16 C.F.R 433.2 Preservation of consumer 's claims and defence, unfair or deceptive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
To whom it may concern. 

My full name matching my passport XXXX XXXX XXXX XXXX XXXX XXXX from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at XXXX PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward for your reply. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXXXXXX Act Name : XXXX XXXX, XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed a complaint in XXXX of this year, I was told I would receive the bonus check that Citi bank owed me. 
Until today I received Nothing!

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 2022-11-28 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: Westlake Services, LLC
State: NJ

Complaint narrative:
I request you provide me with proof of this alleged payment being late. if unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ) Please provide detailed description of all procedures used in your process to determine complete accuracy of information once you have finished your investigation, send me an update credit report to the address above

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 2022-11-28 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX  XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
I check my credit score and I realize I have a collection and I immediately call and see whats this collection is for? They told me is a alarm system in a property I never live what happened was I hired that company to install 2 alarm systems I at that time own 2 convenient store it was important for me have it protected so, one of the sells person for this company tell me the is good to have so I decided to hire them in 2018 but them they went to one of my properties and tell my tenants to install the alarm system, but what I dont know was they keep my information and add it to that property but I dont have no idea they did that so I call the collection company and explain them my situation and they told me I have to sue the person who I think they did that fraud but I dont remember their names plus I dont have a idea how sue anyone but I cant pay for this collection I never live in that property and I dont know how they met and they probably check the property in property appraisal and see I own that property at that time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: FL

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. 
XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or 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 2022-11-28 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: EQUIFAX, INC.
State: OH

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. 

Account name : XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX Account # : XXXX Account name : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Account name : XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : 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 ) ( 5 ) 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 than records of convictions of crimes which antedates the report by more than 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Speedy cash offers payday loans. 
The amount was about {$500.00}. 

I paid already {$360.00} or so. 

The amount due last week was {$540.00} left which was still High almost double the original amount borrowed Now today after speaking with them About payment options and help I now see the balance went up to {$780.00} So {$1200.00} for borrowing {$500.00}? 

This doesnt seem to be something thats fair. In addition the original loan mentioned an installation payments- not sure how payments are {$340.00} a month? 

I believe the fees are in question here, and the companies unwillingness to work with me at all. Telling me that there gon na draft it out of my account I was calling ahead about a weeks time to find out hardship payment options whether I could pay at least {$100.00} now and spread the payment over time? Or any assistance- they said no. 

I am reaching out because we are about to loose our home and car, and cant afford for any accounts to be overdrawn- especially when I am trying to communicate the financial hardship I am experiencing I suffer from XXXX and am on XXXX- this is a lot of pressure on me alone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX Wire Transfer performed on XX/XX/2022 in the amount of {$10000.00} XXXX Wire Transfer cancelled on XX/XX/2022 due to Availability date of XX/XX/2022 and my presence required at the Branch due to problems with Wire. Cancellation requested on XX/XX/2022 at the Branch and on XX/XX/2022 written confirmation received and funds returned to my XXXX Account. 
On the month of XXXX of 2022 discovered my Savings Account was debited for the same amount that the XXXX XXXX funds were refunded on XX/XX/2022. 
Went again to the Branch and was told by the Personal Banker that Wire Department explained they were confused with the Cancellation request and placed the funds on Hold. 
Later the Branch Manager informed me that the Wire Department said the Wire was resent on XX/XX/2022, another surprise since I was not notified, nor I requested Wire to be resent. 
Since then, it has been a back and forth from the bank Wire Department and the Personal Banker, and then the Branch Manager, till case was supposedly forwarded to their Legal Department for more investigation. 
I have received XXXX letters from the XXXX Bank XXXX XXXX XXXX XXXX, indicating they have received from the XXXX XXXX on XX/XX/2022 the information that resent Wire Funds were deposited on the specific date of XX/XX/2022 for the specific amount in the XXXX  's country currency along with a Reference Number. 
But also received another letter from the Originating Bank Wire Department dated XX/XX/2022 indicating they have tried on XXXX different occasions the XXXX Bank without any response received, but if beneficiary still claims not receiving the funds, to please contact them again for further assistance. 
XXXX Bank claims never have received communication from the originating Bank and they are willing to cooperate with any investigation. 
Originating Bank is not accepting evidence presented by XXXX Bank proving 2nd Wire ( resent Wire ) was never deposited into the XXXX Bank Account. 
As part of the XXXX Bank investigation, provided emails from the Remittance Department, as well as information that no money from the originating Bank has been received nor deposited into the Beneficiarys account, also presented Detailed Bank Statements, Receipts from other Bank showing and matching the big deposits on beneficiarys account were from another Bank institution, plus XXXX Bank provided copy of first Remittance from XX/XX/2022 received, that was rejected due to name mismatch and returned to originating bank on XX/XX/2022. 
Please see detailed attached History plus several evidences attached. 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