vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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: 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 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name:XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : # XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: AE

Complaint narrative:
Recently requested SCRA benefits from OMNI Financial, company has not responded to my request I am applying under Louisiana State Law as a Key provision state. Mutiple request has been made to comply as they have violated my rights under SCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: PA

Complaint narrative:
Since XX/XX/2021 I have been writing to Transunion as I have called them from some accounts on my credit that are not mine. I do not receive letters from Transunion about what happened and the accounts are still on credit and are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened a wells fargo checking account on XX/XX/ 2023 through online. 
while I was opening the account, wells fargo asked to put the minimum deposit to open an account. so I made {$100.00} transfer to wells fargo account # XXXX from my XXXX account # XXXX. On my XXXXXXXX XXXX statement, {$100.00} was transfered to wellsfargo on XX/XX/XXXX. 
on the same day, I fount out there is no branch near me so I wanted to close the wells fargo account I just opened. 

{$100.00} already transferred to wells fargo account from XXXX. I spoke to XXXX and they said {$100.00} already left out of their hands and settled to wells fargo. 

I talked to the agent in wells fargo and they never received {$100.00}. 

Because I closed the account on the same day I made transfer, but that transactions was not cancelled and I need {$100.00} back to my XXXX account. The agent who closed my account did not do the right action.

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 2023-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: FL

Complaint narrative:
I have made my monthly payments on time with Sallie Mae ; paying extra monthly. My balances of {$13000.00} is even more than what the loan was originally for {$12000.00}. So what Sallie Mae is doing is applying that extra money towards the next month instead of the principle balance. Next month I owe a total of {$3.00}. I was unaware that any extra payments would not automatically go towards my principle. I've asked Sallie Mae for any additional payments that I make be specifically applied towards my principle. I was advised today that they do not put additional payments towards principle only. Any extra payment in the month would continuously be applied towards interest. This keeps me and other consumers in debt. For example my monthly loan payment is {$150.00}. I paid an additional {$500.00}. {$58.00} was applied to principle. How can anyone pay their loans off? Was this a law put into effect and when in which a company can apply any extra payments how they feel fit. I have a list of companies that I am calling today to question how my payments are being applied and if they give me the same answer that Sallie Mae just did ; CFPB will be receiving a complaint on each and every one of those companies. This system here is not set up to benefit in anyway the consumer. It is set up for failure and someone has to step in. I would like clarification on this if possible. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 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 the information is inaccurate. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions... 

Inaccurate Accounts : XXXX XXXX ( Delete account, Not my account, Fraudulent account ) XXXX- ( Account paid and closed, Never had late payments, Reporting out dated information, Company charged me a down payment for a credit transaction, Delete late payment history and update account ) XXXX XXXX XXXX XXXX ( Never had late payments, Delete late payment history and update account ) XXXX XXXX XXXX XXXX- ( Never had late payments, Delete late payment history and update account ) XXXX- Not mine, Fraudulent inquiry, No authorization to pull my credit profile, Delete inquiry and update profile. 

XXXX Not mine, Fraudulent inquiry, No authorization to pull my credit profile ... Delete inquiry and update profile. 

I've disputed these accounts all of 2022 starting in XXXX and they are still being reported inaccurately on my credit profile. These companies are not doing any proper investigations. How does this continue to happen and be allowed?

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
BofA Mastercard No way to close online. 

Telephoned-on hold XXXX XXXX XXXX XXXX, and counting. 

Sent an email. 

No way on line to send secure message.

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 2023-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear BOFA, I have a hard inquiry on my account on XX/XX/2023. I did not authorize my credit file to be pulled. I would like to request a deletion of the hard inquiry on my 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc.
State: WI

Complaint narrative:
I am not a private citizen to what this pertains to and from the beginning of talking to any governmental body I addressed myself as XXXX XXXX. The account that this matter pertains to has its profile on my end displaying what I want displayed as they give you the option to do so. On our initial verbal contact with the company Cashapp they forced me out of my private capacity to go forward with even addressing the issue that in its self its badgering and illegal. 


I was harmed on both XX/XX/XXXX andXXXX XXXX, XXXX in XXXX  because my financial institution Cashapp who operates out of XXXX XXXXXXXX XXXX let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At times when someone I owed came to collect there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an XXXX XXXX paired with a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I could not remove myself from the situation because my life was being threatened by my body. These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card liability belongs to Cashapp without a doubt. I do not have a borrow allowance for sure and stock round ups accumulated or a lack there of because of these transactions being initiated and technically paid to the merchant. If I didnt faint my heart would have arrested completely to my knowledge. All of this has caused me Extraordinary Emotional Distress as well as pain from what I encountered on the days. My body and mind paid and is paying the overdraft fees of these transactions and the app told the truth of the matter despite everything. It didnt expire it was canceled. It wasnt declined because it wouldve never been there to have been released on another day and would read specifically NOT ENOUGH CASH https : //drive.google.com/drive/folders/10fXkGTstNRQjWtYi7dPN0jxtxl5yeMKE information in this link is, to me, quintessential to understanding where I am coming from. 
I have been told that this is a white collar crime and will need prosecution from The States Attorney. I have received personal injury as a result of this company. The XXXX XXXX and XXXX XXXX are already sending me attorneys who cant represent me on a matter they know requires the States Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had a fraudulent hard inquiry appear on my TransUnion and XXXX credit reports on XX/XX/XXXX. The source of the inquiry was XXXX XXXX XXXX. 

I called on XXXX, XXXX XXXX XXXX, and TransUnion on XX/XX/XXXX. 

TransUnion required me to mail documents. I was told what documents to send. Those are attached to this complaint. I mailed these in a white envelope, hand addressed, on XX/XX/XXXX. 

In the meantime, XXXX XXXX XXXX sent something out stating that the inquiry was fraudulent and I uploaded documents to XXXX. The inquiry was removed from my XXXX credit report by XX/XX/XXXX. 

I followed up with a couple calls, probably a week apart, to TransUnion. 

One representative told me that they couldn't use my documents because I did not have a report number on this. ( I was later told by a TU supervisor that this was not true since I sent a copy of my drivers license ). 

Another representative told me I had to have a letter from XXXX XXXX XXXX. I called XXXX XXXX XXXX back and they told me they had no such process, but would send another alert to the credit bureaus that the inquiry was fraudulent. 

I received a letter from TransUnion saying something about a 3rd party working on my behalf. I ignored it, since I did not and have a 3rd party working on my behalf at any point in this process. 

I called again on XX/XX/XXXX and was told by this TransUnion rep that they would reach out to XXXX XXXX XXXX. 

I called on XX/XX/XXXX. I was on the phone for over an hour with XXXX supervisors. I was told that I had to resubmit my forms because a department, which I could not speak to, had determined that my forms had been sent by a third party. Again, I have attached these forms below and you will see no evidence of a third party. I asked why resubmitting them would result in a different outcome, and the supervisor had no answer. 

This supervisor said she would reach out to XXXX XXXX XXXX. Since that did not work the first time, I have no reason to believe it will work this time. 

Additionally, TU has a chat function on their website. I had a couple experiences of submitting a chat and having it indicate that a representative would be with me soon. It would be a couple hours before the representative would respond.

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 2023-02-21 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 15 USC 1681. 

Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My name is XXXX XXXX and my current mortgage is with PHH mortgage XXXX ( Loan # XXXX ) service by XXXX for my home at XXXX XXXX XXXX XXXX XXXX, FL XXXX I made a payment of {$2000.00} on XXXX2023, the amount due was {$920.00} with the excess of {$1000.00} to be applied to principal balance ( prior to this, any additional amount from the monthly due was applied to the principal with no issues ). On this instance, the excess amount was applied to the payment for the month of XXXX in the amount of {$920.00} and the remainder of {$140.00} going to the principal. I contacted them on XXXX occasion ( XXXX-23, XXXX-23 and XXXX-23 ) to rectify the issue and clarify the policy which indicate that any extra payment after the due amount will be applied to the principal balance, they confirmed the policy and indicated that the issue should be resolved within XXXX business days, XXXX-23 the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent complaint about the unauthorized inquiries on my report which violated my consumer protection right but for some reason the inquiries still show on my report, In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right please kindly remove. 

1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 XXXX XX/XX/XXXX XXXX XXXX 3 XXXXXXXX XXXX XXXXXXXX 4 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 5 XXXX  XXXX XX/XX/XXXX 6 XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I keep getting emails about how Ive been pre-approved for credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collections Acquisition Company, Inc.
State: NY

Complaint narrative:
I sent a check to pay for my property ( in XXXX ) XXXX I transferred money to my credit union only my bank sent the transaction twice, leaving my checking account short, and my check NSF. Before the county could cash my check, another company, called XXXX XXXX XXXX, cashed my check, then the debt collector for the county cashed my check, then I received a letter ( XXXX ) from a company in XXXX called XXXX, stating they were collecting a debt for XXXX XXXX XXXX XXXX So, not only did XXXX XXXX XXXX hack into XXXX XXXX to get the copies of my check, but so did XXXX I called them that day demanding to know who XXXX XXXX XXXX was and the girl on the other end was very rude and hung up on me.I received another letter from them on XX/XX/XXXX. On that same date I sent the bottom of the first letter back to them requesting that they give me the name and address of the original debtor. I received an answer from that on XX/XX/XXXX. I called the accounting number associated with that address for XXXX XXXX XXXX, and after sharing civil conversation, they did not have my information nor did they have anything to do with cashing my redeposited check. On XX/XX/XXXX, XXXX filed a bad debt on my credit report for non payment of debt. I called them .I told her I had paid my taxes directly to the county that I owed them to and that she was a fraud. I asked again who XXXX XXXX XXXX was and she said it was a typo. And I said 3 times? I had to send electronic copies of proof of payment of my taxes and now it's going to take this fraudulent one person company three weeks to remove a bad credit report from my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: 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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-02-21 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: 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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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