vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 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: IL

Complaint narrative:
I have recently acquired my credit, upon my review there are two bankruptcies listed that I have submitted numerous request to have the information listed on my credit reported to be verified and the proof be provided to me. Upon this date the credit reporting agency has failed not only to remove the inaccurate information but has also violated several laws. 

In accordance with 15 usc 1681 ( a ) ( 4 ) XXXX XXXX who provided the bankruptcy information infringed on my right to privacy. I also have a statement from the company confirming that the information that was provided was inaccurate and was removed from their data base. As a consumer I have a right to privacy. 

XXXX XXXX did not have a permissible purpose to obtain the information and place it on my credit report nor did I provide any written consent for it to take place this is a direct violation of 15 usc 1681b ( a ) ( 2 ). 

XXXX XXXX failed to list who they interviewed to obtain this information, this would be also a violation of 15 usc 1681a ( e ) With XXXX XXXX being in direct violation of these laws set forth by the government the credit reporting agency is liable as well due to them furnishing the inaccurate information for my credit report. Because of these inaccuracies I have been prohibited from being deemed credit worthy. 

I have enclosed documentation that will prove the inaccuracies and the violations the credit reporting agency has committed against me. 
Dates of disputes submitted on the matter XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-03-03 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: CA

Complaint narrative:
Wells Fargo bank in California, there was missing money in checking and savings. I closed 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 explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial agreed to a trade of my XXXX XXXX XXXX after they were unable to replace the battery leaving me with a subpar car that was never allowed to charge to it's fullest b/c of the fire danger. After going through a process they agreed to have me trade in my XXXX XXXX XXXX for a XXXX XXXX XXXX. The Process was fine and took place around XX/XX/XXXX. Whenever I log into my gmfinancial account, it shows my old car, and says that I am behind on payments, which doesn't make any sense. I have been caling for over a month and no one is able to figure this out. I've been told to go to the dealer, who has already been paid for the car and told me they sent in all of the paperwork. Now, I have to make car payments on a car that I don't have possession of so they don't ding my credit but I have received no assurances that my payments will go towards my new car.

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

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX BRUSH XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-03-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00}.

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 2023-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
I applied for the PMI cancellation process in XX/XX/2022. I mailed a check and completed the required paperwork to have my home reassessed to see if I would qualify for PMI cancellation due to major home improvements. The check was cashed by Cross Country Mortgage and a real estate company reached out to me to schedule an assessment in XX/XX/2022. I called back the real estate agent the next day, he stated that my home was no longer in their system to service and I had to recall my mortgage company. I recalled Cross Country Mortgage to have this rescheduled, and they stated they would take care of it. Since then, I have recalled and tried to resolve this approximately 2-3 times per month since XXXX and have spoken to many different customer service representatives and two supervisors. All times they have stated that someone would reach out to me via phone and/or would contact the real estate office to get me back on the list to have my house reassessed. All times no one has reached out and I have had to re-call cross country mortgage to file a new claim. My claim has been closed multiple times without being resolved. My application had already been submitted and check sent ( this was cashed by the company in XX/XX/2022 ). Cross country has tried to only remedy this issue by sending me a new application and instructions to repay in the mail. I speak to live representatives who state that this does not need to occur and they already have my application, but no one ever follows up or calls as they stated they would. At this time, since I have been actively trying to resolve this since XX/XX/2022, I worry their negligence to act has cost me additional monthly PMI payments that would have been canceled as well as waiting for the market for my home value to drop. Thus, their negligence has caused a change in whether or not my home would qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
These late payments are not accurate.

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XXXX XXXX, XXXX  in the amount of {$21000.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XX/XX/2022 while still in the middle of a pandemic I got 30 days behind on my XXXX and XXXX car payment. I was 6 months XXXX, homeless and recovering from job hour loss due to the pandemic. I also became sick with XXXX XXXX and tested positive XX/XX/XXXX, which left lasting physical affects. Also affecting my ability to work long hours. I was reinfected with the XXXX XXXX again XX/XX/2022 I reached out to the company to make arrangements to catch up and was set up on a XXXX week payment arrangement that would allow me to get caught back up. All of the payments of that arrangement where made according to the arrangement agreement. 

When I check my XXXX XXXX  it is showing the XXXX and XXXX dates as late however it's reporting different months with other credit agencies. I reached out to XXXX XXXXXXXX by calling and emailing the XXXX XXXX XXXX explaining the situation and asking for grace. 

Someone from XXXX XXXX did call back and submitted that request. I recently learned the request was denied. 

I am filing this complaint because I believe I qualify to have these negative remarks. I also believe I am entitled to some relief and all late payments be removed under the CARES ACT. XXXX XXXX has refused to acknowledge that these incidents are pandemic related and will not make adjustments to my XXXX credit bureaus. We are still feeling the affects of the pandemic with rising cost. These remarks make it even harder for me just to get housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: GA

Complaint narrative:
CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Experian, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX Amount XXXX {$100.00} Party Owed : XXXX XXXX XXXX XXXX  XXXX XXXX {$1400.00} Party Owed : XXXX XXXX Amount : {$910.00} Party Owed : XXXX  Amount : {$0.00} Party Owed : XXXX XXXX Amount : {$0.00} XXXX Owed : XXXX, XXXX Amount XXXX {$4000.00} Party Owed : XXXX XXXX XXXX XXXX Amount : {$0.00} Party Owed : XXXX XXXX XXXX  XXXX Amount XXXX {$71000.00} Party Owed : XXXX XXXX XXXX  Amount : $ - I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. 

Enclosed may be additional evidence to support my claim. 

Sincerely,

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 2023-03-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: CA

Complaint narrative:
I disputed on XXXX on XX/XX/XXXX. I received a result on XX/XX/XXXX that my account did not change. I requested for my XX/XX/XXXX late payment to be removed because on my discover account and XXXX  XXXX XXXX account. It has shown I had paid in XX/XX/XXXX. 

I disputed on XXXX on XX/XX/XXXX. 
I explained my situation, Affected by COVID-19. I was finding stable job. My first job did not ethically pay me. XXXX XXXX XXXX had a civil lawsuit due to not paying workers lunch, break, and overtime. 
I provided sources of this outcome. I did receive part of a settlement in early XXXX. I work with children with XXXX  XXXX. I provide XXXX XXXX in the XXXX  department. It is still difficult post covid as children and their families are still getting covid. 
I was transitioning to a second job and third job early-mid last year and I had to wait 3 weeks for partial of my payment post payroll as my supervisor made an error on my end and had me work longer with no pay. It was not until XX/XX/XXXX, I found a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that has allowed me to be consistent with all payments and I have not missed any since I received that job. 

Today, XX/XX/XXXX, I received no results regarding this incident.

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

Complaint narrative:
XXXX XXXX ( 1st and 2nd accounts ) - has late payments on, *Experian has ( 2- XXXX XXXX accounts reporting ) : [ 2nd account ] XXXX, XXXX, XXXX and XXXX of XXXX. [ XXXX account ] 60 days late December 2019, 90 days late January 2020, 120 days late XX/XX/XXXX. According to : *15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction } - According to 15 usc1681a ( 2 ) ( B ) : The consumer report does not include Authorizations or approvals of specific extensions of credit. Any loan or Credit Card reporting to my consumer report is a " specific extension of credit ''. Therefore I request that the list below be deleted. Experian : -The ( 2 ) XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX- XXXX  ( 2 ) 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 XXXX My Privacy is everything and the Consumer Reporting Agencies must protect it in accordance to 15 USC 1681 ( 4 ). But, they don't, they have allowed the reporting of any and every account without my written consent.

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 2023-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX  XXXX Balance : {$25000.00}.

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 2023-03-03 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:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX  XXXX Balance : {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 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: TX

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX 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
Consumer complaint received 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: OH

Complaint narrative:
At the beginning of XXXX, I paid Arvest Mortgage {$200.00} to set up bi-weekly mortgage payments to be automatically withdrawn from my bank account. ( Apparently they charge for this service because they claim it is a " manual process. '' ) At this time, I signed paperwork agreeing to this payment schedule and they sent a document confirming the bi-weekly payments. At the beginning of this year, Arvest suddenly, without explanation or notification, stopped withdrawing my payments. I have spent no less than 20 hours on the phone ( most of it waiting on hold for extended periods of time ) to rectify this. I have spoken with countless people who claim that they have, or will resolve it, and that my payments will be resumed. Most recently I spoke with a representative named " XXXX '' who assured me that my payments would resume on Wednesday, XXXX XXXX XXXX It is now Friday, XX/XX/XXXX, and my most recent bi-weekly payment has yet do be withdrawn, as PER THE SIGNED PAPERWORK ( AND AS PER THE {$200.00} PAYMENT I MADE TO INITIATE THIS PAYMENT SCHEDULE. ) Since the first payment they failed to withdraw on XX/XX/XXXX, I have called multiple times a week, spent hours and hours on hold, spoken with more people than I can count, including supervisors, and no one seems to have any desire to do what they need to do on their end to ensure that Arvest lives up to its obligations, as per the agreement I signed ( AND THE XXXX XXXX DOLLAR FEE I PAID TO SET UP THIS PAYMENT ARRANGEMENT. ) This is not a situation of me not paying my mortgage- this is a situation of the bank REFUSING to abide by the payment arrangement and execute the automatic withdrawls as per our agreement. I should NOT have to waste 20+ hours of my life, chasing them down, begging them to restart payments, in order to ensure that MY LIFE AND CREDIT ARE NOT RUINED BECAUSE THEY WILL NOT DO THEIR JOB ( a job I PAID THEM {$200.00} TO DO! ) Bi-weekly payment arrangement confirmation document is attached.

Company response to consumer: Closed with explanation