vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 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: R.A.Rogers, Inc.
State: VA

Complaint narrative:
On or about XX/XX/2023, I submitted a formal written debt validation request to RA Rogers INC Collection Consultants, at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Approximately two weeks later, I received a response from the named party, however, the information provided was not pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I again submitted a written reply on or about XX/XX/2023, notifying the named party that they have violated several of my consumer rights. Specifically, by failing to validate a debt at my request, which is an FDCPA violation and the named party continues to report a disputed debt to the Credit Bureaus : which is another FCRA violation. The named party was given two separate opportunities to furnish the requested FDCPA debt validation documentation. I have included the information that was requested below : Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature agreeing to the sell of my personal information to a third party, i.e., R. A. Rogers, Inc ; -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay R. A. Rogers, Inc., what you say I owe ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent ; As a result of their failure to comply with FDCPA regulations, I employ the " Estoppel by Silence '' in my defense and demand that this collection account be removed from the two credit bureaus ( XXXX and XXXX ) that the named party disclosed this information to and consequently damaged my credit profile. I look forward to working with you to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: AZ

Complaint narrative:
This is NOT a duplicate report and this is not filed by 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to : 15 U.S.C 1681 section 602 A. State 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.

Account Name : FIRST PREMIER BANK ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX. ( Original Creditor : XXXX XXXX Bank ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # 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 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MD

Complaint narrative:
on XX/XX/2023 I requested my report from LexisNexis and I have not been supplied any documentation electronically or physically via USPS mail. When I returned to the website to attempt to resubmit my report, I received a warning stating that I could not submit my request even though all of my information is the same. This prevents me from cleaning up any and all data that doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 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: TX

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 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 XXXXXXXX these accounts has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2023-03-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello My name Is XXXX XXXX I have a complaint about Equifax. They have a account on my credit report that is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
I applied for PSLF on XX/XX/XXXX. They currently have me listed as having made 118 payments, but all of my payments from XX/XX/XXXX till XX/XX/XXXX are missing. During the missing months, my loans were with XXXX XXXX XXXX. In XX/XX/XXXX my loans were transferred to XXXX. I have contacted Mohela repeatedly and I have filed a reconsideration request and a complaint with the Department of Education. They sent me an email on XX/XX/XXXX stating that my payment counts had been updated, but none of my payments from XXXX are listed on the Mohela site. Nothing has changed. I have worked in the same public school district since XXXX and I have been making payments the entire time. I contacted Mohela on XX/XX/XXXX to ask why they werent there and they didnt have an answer other than to say that it might take a few days for it to show in my account. That was a month ago and nothing from those missing years is showing up. They have no answers for me when I call or send written messages. My loans have been consolidated XXXXXXXX XXXX since XXXX and they need to include the payments made while I was with XXXX XXXX XXXX ( XXXX ), forgive my remaining balance, and issue a refund for all payments made over XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Purchased a car XXXX XXXX and purchased gap insurance, sold vehicle and didnt receive the gap insurance premium back

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 2023-03-27 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: GA

Complaint narrative:
I sent a letter last XX/XX/XXXX, in 3 credit Bureaus to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/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 explanation
Consumer complaint received 2023-03-27 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: GA

Complaint narrative:
I sent a letter last XX/XX/XXXX, in 3 credit Bureaus to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I trusted an old friend with my personal information to help repair my credit and he used my information to get several things on my credit. His name is XXXX XXXX and I will be following up with a police report after submitting my complaint. I have an auto loan debt on my credit report that is {$48000.00} and a collections debt of {$71000.00} totalling {$120000.00}. This had drastically dropped my credit score and has now restricted me from getting a new car and an apartment. I just want my life back.

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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had 2 deposits for XXXX in my checking account on XX/XX/2023 that was on hold until XX/XX/XXXX and XXXX in my savings that was deposited XX/XX/2023 and was on hold until the XX/XX/2023 and once they both was available for use and then they restricted my account. Causing me to be homeless NEVER HAD A PROBLEM WITH MY DEPOSITS UNTIL I JOINED CHASE.HAVENT HAD ANY ACCESS TO MY MONEY OR NO MONEY goin on 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: MI

Complaint narrative:
bankrupcy is being reported on my credit report. Bankrupcy # XXXX. I have contacted the court and the do NOT provide, share information with third party credit agencies.

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 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My accounts are with Chase. 
XXXX dollars I asked the teller to pull out in cash and she agreed and used the money machine counter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The teller promised me since I had to go that the money would be returned immediately into my account. But it was not! I went back to ca to local branch at home and they set me up with a fraud person who lied about receiving the messages to start an investigation. The date of when this happened was XXXX XXXX that the XXXX was stollen. This happened in show low Arizona chase branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, Pulte Mortgage charged an application fee of {$610.00} which would be used for credit check right away and other costs if the mortgage was going to close. The majority portion of the fee was for running an appraisal on the property before closing. 

As of XX/XX/XXXX, I had not gotten approval for the mortgage from their underwriting and it was clear that Pulte Mortgage would not provide me a mortgage for the closing was XX/XX/XXXX. 

However, Pulte Mortgage went ahead with the appraisal of the property and did not refund me any of the application fee. My question is why did they go ahead with the appraisal when they were not going to approve me for the loan? 

Pulte Mortgage said they credit check cost was around {$50.00}. I want {$560.00} refunded.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello My name is XXXX XXXX I have a complaint with Experian Credit Bureau. They have 2 old addresses that should not be there. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX. 

XXXX ) XXXX XXXX XXXX # XXXX. XXXX XXXX, New Jersey. XXXX These two addresses should be remove

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 2023-03-27 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: NV

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to : 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. 

Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX Solutions ( Original Creditor : XXXX XXXX ) Account # 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 2023-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I recieved an offer in XXXX from Bank of America for a credit card which had vague terms as to the interest rate to be charged with a huge interest rate range given which seems like deceptive advertising and the criteria were not explained clearly. I assume it was to be the 14.99 % since I had over XXXX credit score at the time and presently have over XXXX credit score. My last bill had an interest charge of over 20 % of the total which seems like the result of deceptive and vague terms not explained in the general terms. This has been charged for the past few months even though I've never missed any payments. This is untenable and frankly should be illegal usurious rate that is the result of deceptive and changing criteria. I am also taking this up with my state financial protection beaurau.

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 2023-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XXXX I fell behind on my Bank of America credit card account and it went into collections. I paid the account in full in XX/XX/XXXX. Shortly thereafter the Bank of American credit card entry was removed entirely from all 3 reporting agencies. Now a year later, I received an alert that a new line of credit was reported by Bank of America. It is showing as a charge off paid in full ; however, instead of showing the original delinquency date in XXXX ; it is making it appear as if it was charged off in XXXX. Bank of America has in effect re-aged the debt. Instead of the debt dropping off my report based on the original XXXX delinquency date, they are using XXXX and added 5 years of impact to my report. This after deleting all of it a year ago.

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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I haven't had the account in over 5 years

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 2023-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stein Law, P.C.
State: CO

Complaint narrative:
I was served a summons about a debt that I do not remember taking out. the original loan was if XXXX. 
the original loan was for XXXX. The paperwork that i got says that it should have been pais off in 2018. I fill that someone took this ioan out in my mane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: TX

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 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 XXXXXXXX these accounts has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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