vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was solicited by my bank over and over for a XXXX loan for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I only qualified per my taxes and letters the representative ( over the phone ) told me to send in based on all income I received. I was reluctant but the reason assured me if I used the loan for the approved reasons it would be forgiven. I took the loan which was about {$5500.00}. I kept calling about XXXX forgiveness paperwork as the window was closing for forgiveness. PNC never sent anything BUT did call me back a few days before the forgiveness period deadline was supposed to end and sent a link and told me to apply online for forgiveness. I accessed the portal to find I had no access to providing information for forgiveness. PNC had already set the site up where applying for forgiveness was not an option. I called the representative back to discuss and find out what happened. He said they made a mistake and I would have to complete the link and pay the loan back. I went into a PNC branch to dispute they were no help. I asked for information of the person over XXXX loans for PNC they would not provide that information. My taxes clearly show my XXXX XXXX on my taxes which is how PNC determined the amount of my loan. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX PNC misrepresented this loan. They did not know what they were doing. They should not have solicited, qualified me and granted me a XXXX  IF I didnt qualify. I would not have taken this loan IF I was going to have to pay it back. To make matters worse, they have been auto debiting my business account for over a year now. This is bad business practices and they should be reported to professional regulations. I did nothing wrong here but I am being punished. This has created an even further financial hardship during these difficult pandemic times. 
There were several different loan reps from PNC when they were constantly emailing and calling me to offer me the XXXX loan. Its obvious this was something new and the representatives were not properly trained or understood the programs and were only operating from the standpoint of the bank benefiting from these governmental programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
XXXX XXXX XXXX appeared on my credit report it should not be on there via : 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s-2 ( 8 ) ( E ) Duty of person after receiving notice of disputeAfter receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( i ) conduct an investigation with respect to the disputed information ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( ii ) review all relevant information provided by the consumer with the notice ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

15 U.S. Code 1681c ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information : If this is a chargeoff, according to the IRS publication a charge off is income chargeoff is a certifcate of imdemptment. I did not receive a XXXX ( to cancel this debt ) and income is not reported on a 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 2022-12-28 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 — Was not notified of investigation status or results
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Account Name : ALDOUS & Associates Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Recently received account history from Navient, but it's missing critical dates from XX/XX/2003 - XX/XX/2003 which is when the original consolidation took place. 

I need information from XX/XX/2003 - XX/XX/2003 without redactions which reflects the time when the consolidation took place from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was locked out of my account to pay bills and when I called to get help, I was promised a 2 month deferment while the company tried to unlock my account. No word, and I was unable to reach anyone who could tell me the problem and/or how to fix it. My car was then repossessed, I was charged insane repossession fees and overdue fees that I could not pay due to being locked out of the account. They took my car, multiple damages were incurred, and multiple items were removed from the car that were NOT returned to me. 

I had to travel an hour and a half to get the vehicle, as well as purchase a new car registration and inspection. When I finally got the car back after shoveling out all the money I had left after layoff from the pandemic, I was able to get the car back and was refused refunds multiple times. Conveniently, my account was then unlocked. Wells Fargo was really awful to me and after all I see in the news, I know I am not the only one who has suffered at their hands. 

I wish I still had documentation, I gave up after several miserable calls and no help at all. In XXXX I plan to refinance the car and leave this company.

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 2022-12-28 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the XXXX Credit Billing Act forfeits any right to collect from the obligor. 

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states " Consumer credit contract is any instrument which evidences or embodies a debt arising from a " XXXX XXXX XXXX '' transaction or a " financed sale* as defined in paragraphs ( d ) and ( XXXX ) of this section. '' In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 


I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in XXXX XXXX XXXX XXXX XXXX. 2017. 


Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institution 's policy. Your company 's policy does not supersede federal law. I am demanding that all late payments are UPDATED to " PAID AS AGREED '' and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm. 


I am keeping a careful record of all correspondence-or lack thereof made via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.

Complaint narrative:
I do get daily balance updates for XXXX of my achievers prepaid visa cards by Blackhawk Network. I know how much is in there. However, while using in stores where visa is accepted, it kept declining. I tried calling yoir customer service XXXX, it will click off at any time and disconnect. It is very poor customer service thay is provided. Your info also said that if having issue while at cashier, have them call the number. How will that work when I can't even reach anyone as it will disconnect??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In Accordance iwth the Fair Credit Reporting act XXXXXXXX XXXX Acct # 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 604a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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 iwth the Fair Credit Reporting act XXXX XXXX  Acct # 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 604a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with fair credit reporting act XX/XX/XXXXaccount # XXXX, XXXX XXXX XX/XX/XXXXhas 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: NY

Complaint narrative:
In accordance with fair credit reporting act convergent account # XXXX, XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XX/XX/2021 I agreed to rent an apartment that was advertised on XXXX. The cost was a {$1200.00} deposit and {$1500.00} for XXXX rent. I paid the amounts using XXXX to an account under " XXXX ) on XX/XX/XXXX and XXXX respectively. It became clear that this was a fraudulent offering. I called Chase on or around XX/XX/2021 to claw back the funds. They refused to try to stop payment and said I would have to wait for the funds to clear on the other side and try to get my funds back by contacting the other bank. I called the other bank and they refused to do anything. I told the recipient bank they should at least look at the customer and account and freeze it to spare other victims. They responded that their customers ' activities are not my business. I called Chase again one or two more times and they continued to refuse to help. 

I was quite surprised by both banks ' responses - and disappointed in Chase- because I am in banking and this is not our response when a customer immediately calls about fraud that is in process where customer harm can be potentially mitigated. 

Thank you for your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2022-12-28 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 — Problem with personal statement of dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On the Date of XX/XX/2019 I was admitted to the XXXX XXXX at the XXXX XXXX in XXXX XXXX. The nearest Veteran hospital was approximately 3 Hours away in XXXX Illinois. I was charged as by the Bill, it was sent through various collection agencies. The XXXX  XXXX is now reimbursing XXXX for emergency care at non-VA facilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC
State: MT

Complaint narrative:
On XX/XX/XXXX I called in to make a payment on my mortgage though Equity Prime Mortgage ( EPM ) because there was a problem with my automatic withdrawal. I asked if a late fee would be assessed and I was assured there would not be XXXX assessed ( this can be verified by the recorded call that XXXX has on file ( XX/XX/2022 ). 

On XX/XX/XXXX, my loan was sold to XXXX XXXX. However, a late fee ( {$89.00} ) was assessed by XXXX and never removed. Now XXXX wants me to go through several different steps to get it removed since they do not service the loan anymore. 

I have spent several hours of my personal time dealing with this and I don't think I should have to. XXXX decided to sell my loan, they should honor their commitment from the call on 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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: SC

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation