vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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: WA

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, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX/XXXX  # XXXX, Account Name : Dept of Ed/XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX, Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX. # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name XXXX XXXX XXXX XXXX  # XXXX XXXX5 U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : 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 2022-10-03 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: MD

Complaint narrative:
Bank of America has twice sent me requests for more information to complete a credit card application I have never filed. I have told them I did not want the card and to cancel the application. BOA refused to tell me how the application had been received. 
The have now sent a credit card that I did not request or want. 
This is only happening with Bank of America and no other businesses which makes the likelihood of identity theft much lower. The card was also mailed to my correct current address. Seem unlikely that someone trying to steal my identity would send the card to me. 
Today I am attempting to cancel the unwanted card. I have been on hold for over 20 minutes without anyone picking up, just a recorded message on a loop. 
I want BOA to cancel the card without fees or penalties as it was sent to me fraudulently,. I further want them to never process a credit card application for me again. 
I believe that BOA is committing fraud and endangering my credit card.

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 2022-10-03 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Contacted Transworld Systems to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX  XXXX XXXX and I was residing in California at the time this account was reported. THey asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, also they sent me a fraud packet which I filled out and returned. Thus far there account has been deleted from all my credit reports except from XXXX. This account recently re reported to XXXX on XX/XX/2022 for {$370.00} which is inaccurate information because this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ClearOne Advantage, LLC
State: MD

Complaint narrative:
I entered into a contract with Clear One Advantage ( COA ) in XXXX of XXXX. The 1st draft was XX/XX/XXXX. Based on the documentation I provided COA had me sign an agreement to settle my debt with with 53 payments in the amount of {$970.00} @ month. To date I have missed zero payments, despite being accused of missing payments. As of XXXX, XXXX, XXXX, I've made 49 payments. During the course of this time I have continually had negative information reported to the credit bureaus. Every company that was accepted into the program was allegedly companies they've worked with before and as a result assured they could settle for well below the amount owed. 3 out of 4 companies have been closed however in XX/XX/XXXX they stated that 2 of the companies settled for MORE than anticipated, this was never mentioned before or updated in the system. Now this again with the 4 and final company. In XXXX of XXXX I requested a payoff amount and nothing was provided regarding my request. According to my original documentation my agreement will be paid in full and settled in XX/XX/XXXX. However without my knowledge or consent they've extended the draft that they plan to take from my account for an additional 8 months past the agreed upon agreement. This is not acceptable and it is far beyond any reasonable approximation. Not to mention the money and expenses I've had to spend due to the impact using this company has been on credit. The fees charged for EACH account are usury in addition to a monthly administrative fee for approximately {$9.00} that at the end of 53 payment will be almost {$500.00} alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: U.S. BANCORP
State: IL

Complaint narrative:
This is my 3rd time filing a complaint in regards to my credit reporting for my US Bank Mortgage. In my previous complaints, US Bank acknowledge that I was given false information and agreed to suppress XXXX and XX/XX/2022 payments. But they did not address the negative reporting of XX/XX/2022 payment and as this payment was also due to the false information that was given to me, the negative reporting for XX/XX/2022 should be suppressed too. The fact that US Bank continues to drag this on is very concerning. It shows that this company does not care about its consumer and will just say anything to get you off the phone. As to save time I have attached the previous disputes and screenshot of my credit report showing the negative reporting for XXXX. Please remove all negative reporting for XXXX, XXXX, and XX/XX/2022.

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 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC
State: VA

Complaint narrative:
In XX/XX/XXXX, I was directed to XXXX XXXX  XXXX XXXX, XXXX of Prime Lending as the sole source lender of XXXX XXXX XXXX XXXX I was told that Prime Lending was the only Lender I could use building with XXXX XXXX XXXX whom I contracted on XX/XX/XXXX to build my house at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I entered an FHA refinance loan on XX/XX/XXXX to build my house under the assertion that my interest rate was to be 2.99 %. On XX/XX/XXXX when asked " when does the rate lock '' XXXX XXXX said in an email " Rates are not moving much so we wont lock until about 60 days from when the house will be completed. To lock now you would need a long term lock which costs money. '' XXXX did not reach out to me again until XX/XX/XXXX at which time rates had already increased drastically. He then advised me that we needed to lock the loan asap. I was understandably dismayed and disappointed that he had directed me not to lock previously, and that he had waited for rates to increase so much before contacting me. I consulted XXXX XXXX representative XXXX XXXX who promised me the project would be done within 90 days. Based on XXXX 's statement XXXX locked the rate for 90 days. At this time, with a much higher interest rate the payment was getting to be unaffordable, so we changed to from FHA to conventional loan, with a plan to pay off outstanding vehicle loan to qualify. XXXX XXXX did not do any work for a month, which caused them to not complete the project as scheduled, and the lock expired. Nobody from Prime Lending ever contacted me to advise me that it had expired, or presented me with any options other than at closing time. I asked XXXX at this time what I could do to get the loan to be affordable, and he said nothing he could do at all. At this time, my property was being held hostage and with no choice, I had to sign the closing documents or risk losing my property all together. Now thanks to Prime Lending and XXXX XXXX, I have a loan that I can not afford and also had to drain my entire savings to pay the closing costs. I tried to explain this to XXXX XXXX and people from XXXX XXXX, and nobody has offered any assistance or resolution, they just want my money. XXXX blames the rising interest rates, but as a loan XXXX, he failed me as his customer, and put me in a bad situation. I would have never built a house or financed with Prime Lending had I known how it would turn out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Account name : FEB/GFSCS-RETAIL XXXX XXXX XXXX Account number : XXXX I owed {$1000.00} and the debt was closed for nonpayment, then sold to XXXX XXXX XXXX. {$730.00} was paid in XX/XX/2019 but XXXX agreed to notate it as " Settled in Full ''. I have documentation from XXXX to prove this. My credit report shows is still as FEB/GFSCS-RETAIL and initially just " Closed ''. After submitting this document to XXXX in hopes of the " Settled in Full '' appearing, it was instead changed from " Closed '' to " Closed. {$1000.00} written off ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Elevate Recoveries, LLC
State: NJ

Complaint narrative:
This company has called me a few times. In an attempt to verify identity, they volunteer full name, birthdate, address and even the last XXXX digits of a social security number without me ever confirming that I am the person they are looking for. I can't believe that this isn't illegal and that they can continue to do business in this manner... 
Today, I spoke with the XXXX, XXXX. She did not have a single care about my concerns for someone's identity privacy. With their harassing tactics, I don't feel comfortable with this company 's possession of anyone 's personal information. 
When confronted about this issue, they simply hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
What happened is my mom passed away about two years ago I inherited the house and I tried to call Umpqua Bank is the mortgage company and the man explain to me the house was in foreclosure, but I still had time to get the house squared away and put in my name the man sent me some papers to sign at the bank and it was supposed to be transferred into my name and I would continue with the payments instead, the house was auctioned the sheriffs auction without any notification to me so insured a guy had lied to me and I am unsure what to do now, so I figured I file a complaint the house was sold on XXXX for XXXX which I couldve at least short sell the house. The property was worth XXXX I feel like a bank didnt give me a proper notification. Give me time to figure out how to save the property. This is where Im filing a complaint.

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 2022-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
M & T bank recently acquired People 's United Bank CT and communicated that n account number needed to be changed and used for ongoing electronic payments. They did not clearly state which account was changing. I submitted my water bill under the new account number which was returned as the debit was directed to my savings account not the checking account in which I thought was where the change was to. When I addressed M & T on this over a phone call on XX/XX/XXXX they said they did not cover fees for merchants. This fee is {$20.00} and due to M & T 's failure to properly communicate changes from their acquisition. I was notified of the returned payment on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 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:
Equifax and XXXX XXXX XXXX are reporting a {$9900.00} fraudulent loan on my credit report. I have disputed this loan several times and it is still reflecting this fraudulent loan on my account. 
This loan is a case of identity theft. I have attempted to contact XXXX XXXX XXXX to tell them this was fraudulent and inaccurate. I also reported this fraudulent account to Equifax who also have refused to update and remove the account from my credit report. 
I have repeated since XX/XX/22 asked Equifax to remove this account because it was a case of identity theft. Have incorrectly verified the account has accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: NY

Complaint narrative:
XX/XX/XXXX -Attempt to establish a service agreement with XXXX via authorized retailer XXXX XXXX XX/XX/XXXX -Received e-mail from XXXX XXXX that product was shipped to home address XX/XX/XXXX -Received e-mail from XXXX XXXX that product was routed to XXXX XXXX XXXX  XX/XX/XXXX -Contacted XXXX XXXX ; Retailer verified the package as lost. Requested a reshipment of device under XXXX XXXX in place of contract with XXXX. XXXX XXXX Representative approved. 

After submitting this information to XXXX, the company refuses to acknowledge a miscommunication between retailers and proceeded to place a non-existent collection in my name for a XXXX device I never received. 

I have submitted several disputes with all 3 credit reporting agencies and nothing has been resolved. I have contacted XXXX several times to remedy this over the course of a year to no avail.

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 2022-10-03 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: CA

Complaint narrative:
Contacted XXXX XXXX to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX  XXXX XXXX and I was residing in California at the time this account was reported. THey asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, also they sent me a fraud packet which I filled out and returned. Thus far there account has been deleted from all my credit reports except from Equifax. This account recently re reported to Equifax on XX/XX/2022 for {$370.00} which is inaccurate information because this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Grain Technology, Inc.
State: NC

Complaint narrative:
This company forced me into a verification process that lasted months, during which time I was unable to update my banking information to make payments. The have no phone system and they never responded to emails. Then I suddenly receive a settlement offer, which I accepted and paid but they dont report it to credit agencies, theyve saddled me with a bunch of missed payments, which I could do absolutely nothing to remedy and they did not provide me a copy of the settlement either electronically or by mail. An immediate investigation needs to be launched on this company and its unfair and seemingly illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Im regards to payment : all commercial instruments such as promissory notes, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( l ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) ( B ), ( 49 ), ( 64 ). These statutes define a promissory note or security to be negotiable ( sellable ) because it is a financial asset. This is necessary because contracts requiring lawful money are illegal pursuant to Title 31 USC 5118 ( d ) ( 2 ). All debts today are discharged by promises to pay in the future. All Federal Reserve notes are registered securities and promises to pay in the future. They are secured by liens on promissory notes of collateral owned by real people. The statutes do not provide the Federal Reserve Corporation a monopoly on promissory notes, as debt collectors insist. Real people create promissory notes that are usually sold to the FED in exchange for their promissory notes. The FED uses the promises of the peoples collateral to secure their notes. If people want their, commercial instruments to be legal tender, they must be secured by a maritime lien on your prepaid trust account recorded at the county and registered on a UCC1. It then becomes a registered security and a financial asset that can be negotiated.

Im regards to the contract : The Fair Debt Collection Practices Act 15 U.S.C. 1601, 1692, 1693, provides remedies for deceptive or unconscionable contracts and allows payment in any legal tender. The contract was deceptive and unconscionable if the actual debt was zero. 
I would also like to add CFPB vs. Santander which my contract is the very same reason Santander was sued. In 2020, Santander reported my car loan as paid off due to a disaster. I believe my loan was reported as such because of this lawsuit. I also asked for specific documents that Santander has refused to provide. They have also not included the wet ink signatures between myself and Santander. 
I asked for the following : They will show that the corporation has an offsetting liability to the debtor pursuant to FAS 95, GAAP and Thrift Finance Reports ( TFR ). These records include : 1.

FR 2046 balance sheet, 2.

1099-OID report, 3.

S-3/A registration statement, 4.

424-B5 prospectus and 5.

RC-S & RC-B Call Schedules

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My identity was stolen by criminals unknown to me and an auto loan was opened with Bank of America in XX/XX/2022 without my knowledge. I did not anticipate 7 months of certified letters back and forth to still have this issue still unresolved by Bank of America. 

Starting in XXXX, I have opened 7 cases with Bank of America for this one fraudulent loan and they have all been denied, including the latest one which was denied on XX/XX/XXXX. I've asked BoA to get in touch with me to request what they specifically need in order to successfully resolve this fraud case, but they only mail generic letters denying my fraud claim. This has happened 7 times. 

I've sent all of the documentation they've requested, including copies of identifying information, a copy of the police report, a copy of documentation proving my place of residence ( which is different from that on the fraudulent loan ), a copy of my FTC Identity Theft Affidavit, as well as copies of letters from 3 other banks approving my fraud claims. Yet BoA continues to deny my claim. Their denial letter contains a phone number that routes to agents that are not trained in fraud. There is no way straightforward way to get in touch with a human to help and they have not engaged over email or phone when I sent a letter requesting them to get in touch with me. 

Every other bank has been helpful in resolving this very stressful situation, yet Bank of America has made this process exceptionally long and difficult. In the meantime, my credit score continues to decline and I have to live with the consequences of that with no clear path toward resolution.

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 2022-10-03 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: WI

Complaint narrative:
I am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation