vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: AZ

Complaint narrative:
I told the Sales associate at XXXX to cancel the order since they denied me for approval even after a confusing advertise of being accepted, a delivery date and making me pay for insurance in order to get approved. I lost XXXX dollars that I can't get back for 5-7 days, that money shouldn't be that long of a wait, they had no issues cancelling the car transaction, it should be the same for payment. Horrible scammy service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Constantly overdraft being taking from 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 monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: KY

Complaint narrative:
I HAVE REACHED OUT THIS COMPANY FOR YEARS. I went and opened up adversary proceedings. I have the documentation for the provider and no will help resolve the issue. 
If you look at the credit report it shows the loan balances are higher than it was when it started and now the payments made can not be found. the loan was in forbearance for 30 days and then for 1 year. Sporadic data across the board. I need my credit report to be fix it and the creditor to explain the discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I HAVE REACHED OUT THIS COMPANY FOR YEARS. I went and opened up adversary proceedings. I have the documentation for the provider and no will help resolve the issue. 
If you look at the credit report it shows the loan balances are higher than it was when it started and now the payments made can not be found. the loan was in forbearance for 30 days and then for 1 year. Sporadic data across the board. I need my credit report to be fix it and the creditor to explain the discrepancies.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Please rectify this matter IMMEDIATELY!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Please rectify this matter IMMEDIATELY!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

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 2023-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an educational installment account that has become a collections item and is significantly impacting my credit report. This collections account is identified as " XXXX XXXX XXXX. '' The presence of this account on my credit report has caused substantial financial and personal distress, limiting my ability to achieve my financial goals and secure funding. 

I became aware of the collections account " XXXX XXXX XXXX '' when I reviewed my credit report. This account had a profoundly negative impact on my credit score, and I have no prior knowledge of its existence. The account 's presence has made it extremely challenging for me to obtain financing on favorable terms, pursue my educational and career goals, and secure funding for various personal and professional endeavors.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I put in a reinvestigation dispute on EXPERIAN because I did not agree with the reporting they have been doing. It is false and inaccurate reporting and according to Fair Credit Reporting Act I have a right to a fair and accurate reporting. Which is not being shown. I have disputed this in the past and their updating and verifying this account with inaccurate information and at this point its past the dispute process aswell as reinvestigation as I have now disputed this account XXXX time hoping for a accurate and fair surety report. They have never updated it with correct information. I have proof that they have been reporting false information for months now and after several disputes it is still not right. I DEMAND YOU DELETE this account from my CREDIT REPORT IMMEDIATELY OR I WHILE BEGAN FILING LAWSUIT for violating the FCRA, consumer rights, and this is causing me grief harm and anxiety as this has been a continued problems for a couple of months now. 

Attached below are recent dispute from XX/XX/XXXX. 
Report number : XXXX Date XXXX Also attached below is proof of inaccurate reporting over and over and proof from the contracted from this account has different information on it than whats reporting.

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 2023-10-20 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
I have reached out to Experian, XXXX, and XXXX via dispute by mail to only receive a response stating that the dispute was not done by me, which is false. I notified all 3 bureaus that I never had credit before and that I always paid cash for everything and now that I am older and most things/creditors require you to have credit, after obtaining a copy of my copy report only to find out that someone has been fraudulently using my credit already. I requested that the bureaus remove the fraudulent information from my report which is XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX MO which has been has been assigned to 2 different collections ( XXXX XXXX and XXXX  XXXX, XXXX ) that are not authorized to collect debts in the state of XXXX. I filed a Identity Theft report with the Federal Trade Commission which is attached along with proof of the collections company that are not licensed in the state of 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 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I would like to submit a complaint concerning potential financial malpractice involving Wise XXXX. I believe that their activities may warrant a thorough investigation to ensure transparency, fairness, and compliance with financial regulations. 

The first case : My client issued the XXXX money transfer on XX/XX/XXXX, claiming that the fund would arrive to my bank account no later than in XXXX working days. Additionally, they asked me to provide some information to verify me as a recipient. All the information has been provided within a few hours after the request. Meanwhile, they advised me to use the XXXX sample in the transfer invoice they provided to my client so my bank could allocate the transfer. I have contacted my bank and provided this data, but they couldn't find the transfer. My client has contacted Wise a few times but got the same response : use the XXXX sample in the transfer invoice. The transfer finally arrived on XX/XX/XXXX. The XXXX number, sending bank, and reference number differed from the ones stated in the initial transfer invoice. 

The second case : The same client sent me another XXXX transfer on XX/XX/XXXX. According to the tracking link provided by Wise, the transfer should arrive no later than XX/XX/XXXX. On XX/XX/XXXX, my client contacted Wise regarding the transfer status, and they stated that it was successful and that I should use the XXXX sample stated in the transfer invoice issued on XX/XX/XXXX. Again, my bank was not able to detect this transfer. On XX/XX/XXXX, they demanded that I submit my bank statement showing all incoming payments to my account to ensure that I don't lie. Though it contains sensitive information, this statement was submitted for their investigation. No further reply was not received. After numerous attempts to contact them and find out the status of the transfer, the money arrived in my account on XX/XX/XXXX. And, as in the first case, the XXXX number, sending bank, reference number, and date differed from the transfer invoice. 

Considering these two cases, when Wise XXXX held money for no reason and no explanation on the transfer status, I believe that this was made intentionally and can be a sign of financial malpractice. There are also tons of negative reviews on their XXXX page, Trustpilot page, and other social media regarding similar situations, blocking accounts for no reason after receiving confirmation from users, or changing account details without any notice. 

Please, find the transfer invoices by Wise and XXXX confirmations from my bank as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I had gotten the Apple Card which was backed by Goldman Sachs bank, upon going through financial hardship I was unable to continue to make payments in the time of the account. The balance is now {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a mortgage with Truist Bank. They would not accept the final payoff payment at their physical bank locations. We had to wire the funds which cost us an additional {$30.00}. In order to be sure that we could send the wire in time, we asked for a payoff date of XX/XX/XXXX. We sent the wire on XX/XX/XXXX. They acknowledged receipt as of XX/XX/XXXX. However they charged interest till XX/XX/XXXX. Also, to date we have not received the refund of the escrow funds. When we asked the customer service representative, they said that the check was mailed on XXXX. Since then we have received two other documents from them but no check. They say that they will only send a replacement check after XXXX. They will not send a replacement till 30 days have passed. I suspect that they are doing this just to delay refunds.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: UNITED SECURITY FINANCIAL
State: CA

Complaint narrative:
I refinanced my home in XXXX. I am married but my husband was not going to be on the loan due to his poor credit. I had credit score and income on my own to qualify for loan. Because I live in California the lender included all my husbands old debts ( collection acts and write offs ) against me and told me if I wanted to refinance with them I had to take out an additional XXXX to pay off his old debts. Mind you these debts were past the point where he could be sued for them. So reluctantly I complied because rates were rising. After all loan docs were signed they sent us checks to pay all the debts. We sent out the checks to the debtors we could find. One actually came back to us because the debt was so old it is no longer with the collection agency. 
I reached out after a year in XX/XX/2023 and spoke to XXXX XXXX at United Security Financial Corp. She called me and stated she would get this settled and the funds would be coming back me. I explained these debts are old .Then she in they sent us more checks to mail out. We have paid off all the debtors we can find, these debts are so old my husband does not even get any type of mail correspondence on them.Right now we have over XXXX dollars in our escrow acct at Elevated Title. I just want my money that I have been paying on for 18 months. I reached out again via email to the title co and the lender on XXXX XXXX and have not heard from either. I need help to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My account was over drawn less than {$2.00} on XX/XX/XXXX. I called Truist to see if they could waive the fee but they refused since I had a fee waived in XX/XX/ XXXX They refused to provide further information and it seems to me that they are simply stealing my money.

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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I was debited {$1000.00} for an ATM withdrawal that I did not make nor authorize at a Chase bank ATM in XXXX, IL. The bank closed my claim based solely on the fact that this was a chip enabled card and that there were no pin failures and that I do not have any prior disputes using the same terminal. I do in fact use this terminal frequently, but I DID NOT make or authorize this ATM withdrawal on XX/XX/XXXX. Ironically, the same day, XX/XX/XXXX, I was charged a {$5.00} fee for a " Cash Deposit Night Drop Armored '' service. I don't know what this service is, and I certainly did not use it. The banker reimbursed me the {$5.00} fee, but I find it quite ironic that I have two transactions on my account on XX/XX/XXXX that I did not perform or authorize. I am asking for the bank to research this further and provide the police with the footage of the ATM withdrawal as requested. I have filed a police report # XXXX. I believe this may be fraud or a bank error, which needs further research. I am out {$1000.00} and I feel as the bank is just brushing me away and does not want to prove any concrete evidence of the transactions, and quite frankly I feel as the bank does not care for me as a client and is discriminating against me. I will be taking legal action if this is not is not resolved properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief