vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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 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 XXXX # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX # XXXX, Account name : XXXX XXXX Original creditor : XXXX  # XXXX, Account name : XXXX XXXX # XXXX Original creditor 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 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.

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 2022-10-19 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: TX

Complaint narrative:
XXXXXXXX XXXX that was a servicer for XXXXXXXX XXXX has reported two incorrect mortgage payments as of XX/XX/2021 and XX/XX/2021 showing that they were 30 and 60 days past due but the payments were made to XXXXXXXX XXXX directly and XXXXXXXX XXXX was not aware of the payments and reported them late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: TX

Complaint narrative:
XXXXXXXX XXXX that was a servicer for XXXX XXXX has reported two incorrect mortgage payments as of XX/XX/2021 and XX/XX/2021 showing that they were 30 and 60 days past due but the payments were made to XXXXXXXX XXXX directly and XXXXXXXX XXXX was not aware of the payments and reported them late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: NJ

Complaint narrative:
In early XXXX I created a new account with the money transfer company Xoom, in order to execute an international money transfer to a friend in XXXX. This was for soccer players to participate in a soccer camp in XXXX. 
With the Xoom transfer limit of {$1000.00}, I had to make two separate transfers, because my total transfer target was about {$2000.00}. I entered the information for my transfer into the online form and the first transfer with an amount of a bit under {$1000.00} was approved and completed a few days later ( Transaction # : XXXX ). 
A few days later I wanted to do the second transfer and followed the same steps as in the first transfer. But shortly after submitting my transfer request via the online template, I got a notification that my transfer was not approved and not executed. The note asked me to call a phone number and Xoom agent to provide more details about the transfer and answer question. I did that and explained in the call what the transfer was about. But the situation was not resolved in that phone conversation. I was told that I have to wait until a decision on my money transfer would be made and that I would receive the result via email. A few days later I received an email saying that my transfer was continued to be rejected. No specific reason was provided and I was only given the opportunity to ask for an additional review. 
I asked for that additional review, but on XX/XX/2019 I received an email from Account Compliance of Xoom, saying " Based on a thorough review of your transactions and/or your recipients transactions, we have decided to close your account. This decision is final and can not be appealed. " ... " We are unable to provide any more information regarding this Issue and any future correspondence will not be answered. '' I was given no explanation of why my second transfer was denied and why my account was closed. The account remains closed until now and nobody can give me a reason why. 
I even contacted the XXXX, the company who apparently owns the money transfer service Xoom. But they only said that they can not help me and that this would be something I have to address with Xoom itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My mother and I are joint holders of XXXX Certificate of Deposits ( CD ) that were issued through the MBNA America bank. The first CD was issued on XX/XX/XXXX in the principal amount of {$22000.00} with an interest rate of XXXX XXXX and was set to mature on XX/XX/XXXX. The second CD was issued on XX/XX/XXXX in the principal amount of {$1200.00} with an interest rate of XXXX XXXX  and was set to mature on XX/XX/XXXX. My mother and I recently attempted to call MBNA America bank to withdraw these amounts and learned that MBNA America bank was acquired by the Bank of America in XXXX. I contacted the Bank of America customer service line for assistance with withdrawing money from the CD on XX/XX/XXXX. The customer service representative sent me to the department that handles CDs. The CD department representative stated that there was no record of these CDs in their system and transferred me to the unclaimed property department within Bank of America. The unclaimed property representative also did not find any record of these CDs and sent me back to the CD department. I spoke with another CD department representative who told me that their system can only look back seven years and there was no way to look back further to locate any record of our CDs. I asked if there was a way to escalate this to a department who could look back beyond 7 years and was told that this was not possible. I was encouraged to call the state of MA unclaimed properties to track down the CDs. XXXX XXXX both called and went online to try to find the unclaimed CDs under my and my mother 's names but nothing was found. Of note, both CDs are insured to {$100000.00} through the FDIC. There is fine print on the back of the CD that states if the money is not withdrawn after it reaches maturity, or if instructions have not been given as to the disposition thereof, then the account will be renewed automatically for a term equal to the original term and for the full balance of the account, including all accrued interest in the account at the maturity date.

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 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
Someone opened a debit account in my name at Bank of America.

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 2022-10-19 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 XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-10-19 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I called XXXX to have them investigate a paid collection account. The company promised to delete the account from my credit report upon payment. I paid the account and it is still reporting. Ive disputed the account multiple times and a thorough investigation has not been done. The account has been deleted from XXXX because they found that it was supposed to be removed. I am asking that XXXX please 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 2022-10-19 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: TX

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation, as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation, as it contains my request.

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 2022-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: GA

Complaint narrative:
Viking Client Service LLC attempted to collect a debt that was already paid. I have sent them proof of payment aka credit card statement, they reported to credit bureaus before my validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Capio Partners, LLC
State: AZ

Complaint narrative:
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : delete the accounts listed ion the complaint as well as send in remedy for the damages done to me as I am XXXX and in a wheelchair and this has caused severe mental distress to me in pursuant to 15 usc 1681n I demand I be invoiced XXXX for the damages done to the address XXXX XXXX XXXX XXXX XXXX Arizona XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I sent XXXXRANSWORLD INC and XXXX which they received on XX/XX/2022, they replied on XX/XX/2022 but did not verify the debt. They tacitly agreed that they knowingly and willfully violated my consumer rights, caused me physical harm, and defamed my character by reporting false and inaccurate information to CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Talked to a truist rep today and she could not explain why my escrow to my new payments will be {$1300.00} for principal & interest and {$480.00} for property insurance making my monthly payments {$1700.00} monthly. She was telling me about my home insurance being part of my escrow which is not true, that is not part of the escrow being part of the mortgage payments. Property values are reported to XXXX XXXX assessment company by the mortgage company for yearly payments. You reported my property description as a lot size of XXXX worth of XXXX and the size of my land is XXXX. Why I am paying property taxes for a property worth {$370000.00}? {$480.00} come to XXXX in property taxes yearly. My monthly payments should be {$1300.00} plus {$280.00} x XXXX = {$3400.00} property taxes yearly and no shortages, in fact, some should be in a suspense account, for my property taxes should just be {$3100.00} yearly. You stated that you were taking too much of property taxes out and you had reanalyzed my payments to {$1600.00} back in 2020 now you want to bring it back up to {$1700.00} monthly, am I making monthly mortgage payments to my VA account or to XXXX of your account holders with a XXXX car garage last name XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: AZ

Complaint narrative:
The statement dated XX/XX/22 has a settlement amount due of {$300.00} to settle for less, the amount of payments on that statement is {$280.00}, which is incorrect I paid XXXX ( which you can see with the portal paid to date ) with the last payment made XX/XX/22 which should have settled the debt. Now XXXX they are saying the new settlement amount is {$400.00} to settle. This should have been settled with the {$330.00} that has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: TX

Complaint narrative:
I have written this company trying to fix these issues several times XX/XX/2022, XX/XX/2022, XX/XX/2022, and again on XX/XX/2022 to wish my last letter has gone unanswered.There are several items that need to be removed from my report along with the reason clearly stated next to each individual item. They also did not remove all non account holding inquiries, and they did not remove all accounts that are not metro 2 compliant. This company even sends me correspondence with my name misspelled to which I have complained and nothing has been done about this issue either. My credit reports mailed from them state my name as XXXX XXXX XXXX and my name is XXXX XXXX XXXX. I last pulled my credit report on XX/XX/2022 via annual credit report since I had not heard from them and immediately sent them another letter detailing the issues.

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 2022-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I put a wrong name for the dispute on XX/XX/2022. I put XXXX XXXX XXXX when it was capital one auto finance. I have 2 hard inquiries from when I was buying a car made in the same day. When you are searching for a car loan I thought you would have 1 hard inquiry especially if it is in the same month and for the exact same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : delete the accounts listed ion the complaint as well as send in remedy for the damages done to me as I am XXXX and in a wheelchair and this has caused severe mental distress to me in pursuant to 15 usc 1681n I demand I be invoiced XXXX for the damages done to the address XXXX XXXX XXXX XXXX XXXX Arizona XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: GA

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 XXXX XXXX XXXX Account name Account Number Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ) Reference # XXXX Bankruptcy ( XXXX  XXXX ) Bankruptcy ( XXXX XXXX ) Reference # 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 a 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation