vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the XXXX XXXX XXXX XXXX, XXXX I signed a contract with XXXX XXXX XXXX XXXX XXXX to purchase XXXX  XXXX XXXX in XXXX XXXX XXXX at the price of {$83000.00}. I wish to cancel that contract because of the violations under Truth And Lending Act Chapter 15 U.S.C 1605. Section 1605 states that determination of finance charge defined except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person whom the credit is extended, and imposed indirectly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge does not include fees and amounts imposed by third party closing agents if the creditor does not require an imposition charge or the services provided and does not retain the charges. I went to XXXX XXXX XXXX XXXX XXXX for a Consumer Credit Transaction not a Retail Installment Sales Contract. Dealer fees and Documents fees are covered by the finance charge and should not be added by a third party ( XXXX XXXX XXXX XXXX XXXX ). When I was at XXXX XXXX XXXX XXXX XXXX they asked me if I had insurance because my gap insurance is supposed to be included in my finance fee. So why is there a {$1200.00} charge for Gap Insurance? According to section 1605 : Premium or other charges for any guarantee or insurance protecting the creditor against the obligators default or other credit loss. Which means XXXX XXXX XXXX XXXX XXXX has an insurance so the finance charge pays for the insurance that covers the Lenders/Creditors if I the consumer default ; In addition, my insurance is supposed to also be included. Which means that under Truth And Lending Act Chapter 15 U.S.C 1611 XXXX XXXX XXXX XXXX XXXX willingly and knowingly provided false information. Which now makes the contract inaccurate ( XXXX ). I sent a Notice of Rescission to J.P Morgan Chase Bank, N.A on the XXXX XXXX XXXX  XXXX, XXXX which is within the 3 day period from the date I signed for the loan. However, on the 2nd day of XX/XX/2023, J.P Morgan Chase Bank denied my right to rescind. Which is a violation of CFPB 1026.23. In addition to The Truth in Lending Act violations like Chapter 15 USC 1611 for knowingly and willingly providing false information, Violating Chapter 15 USC 1605 for adding fraudulent charges, violating Chapter 15 USC 1601b for not issuing all the proper disclosure upon signing ( Right to Rescind Documents and Permission to have this loan on my consumer report ), and Violating my right to rescind under the provisions of Sec. 348.111 of the Texas Finance code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I.C. Systems claimed to have spoken with me in XXXX  about a medical debt. No recollection of such call. Company claims they sent a letter to a California address Ive never lived at and dont understand why they would send one to California when I live in New York and have lived in New York for almost 20 years. I.C. Systems placed a collection account on my credit report and claims they followed U.S. law by sending a letter to a unknown address to claim that the consumer was notified.

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 2023-03-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Nelnet, Inc.
State: AL

Complaint narrative:
I, XXXX XXXX XXXX, am acting on my own behalf and HAVE NOT used a third party for this dispute. This dispute was not filed in error. Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done DEPT OF EDUCATIONXXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If DEPT OF EDUCATIONXXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my nights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions. Therefore I demand this account to be removed or deleted. 
Or my next steps will be contacting the attorney general regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I applied for a Mortgage with JP Morgan Chase Bank. While Applying I was told everything was going normally until a late email on the XX/XX/15 stating there was an issue. Chase gave a somewhat vague description related to the XXXX 's insurance as to why. When I asked for the specific issue, including lines of the insurance, they did not answer. This confused me and my XXXX agent. This late change forced me to switch banks, push back closing, and get a worse interest rate on a Mortgage than Chase had locked me in for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: MD

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT SOMEONE WHO STOLEN MY IDENTITY APPLIED FOR CREDIT CARDS THAT IVE NEVER AUTHORIZED IVE REPORTED THIS TO THE FEDERAL TRADE COMISSION AND I DID A POLICE REPORT AND THE FRAUDULENT INQUIRY ARE LISTED BELOW XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX  Inquired on XX/XX/2022 XXXX Inquired 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 non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I have asked for a copy of each school I have been to with the amount of loans and I cant get a specific amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had opened a CFPB case XXXX with information. Bank of America closed that even after i provided valid data. I opened XXXX which was closed by CFPB. I am opening a new case and attaching the data. I have already shared the password with Bank of America. When I tried to check for any discrepancies in the Bank of America credit card account. The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. I am attaching the spread sheet that explains the discrepancy. On Tuesday, XX/XX/2023, XXXX XXXX PST, XXXX XXXX XXXX wrote : Respected Officials, After i replied, there was a XXXX cent deposit into my account today morning. I need proper data about where this interest is coming from and without that i request Bank of America from avoiding resolution to the cases. When a deposit is made, there must be a reference to dispute it is related to. If there is market manipulation in XXXX or USA or any other country that had insiders information about this, it must be investigated. I have an FTC case open XXXX. If Bank of America says that they provided a temporary credit for a dispute, until the dispute is resolved, then why should they charge interest on the expense being disputed. If they indeed received an interest from the merchant then the interest must goto Bank of America. That is the reason i opened the cases and issued refunds. If they claim to provide temporary resolution and gave me the amount disputed then they must not charge an interest on that. To make me sift through their bank statements and file a CFPB case takes time. But closing a case opened saying that they are unable to open a file i sent is not correct. Especially, without officially communicating it to the person opened the case.

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 2023-03-01 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
On XX/XX/2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my XXXX XXXX and my ability to acquire credit. I need these false items removed from my credit report as soon a possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
I have been repetitively contacted during work hours. i did not receive mail from debt collector as XXXX stated on XXXX. I suspect XXXX lied about my letter of verification being returned Undeliverableto get an address and has not provided appropriate notice of rights to include letter of verification. I called several times following my initial call midday on XXXX to seek proof requested of returned mail and have not been provided evidence requested. After calling XXXX to persist in request on XXXX was threatened he would turn me in for harassing him by seeking proof of returned Verification. Not knowing my rights to appeal or investigate i feel this collection agent has passed his legal right. The irony here that I am harassing him by asking for proof after persistent calls to aggressively and deviously pursue his client. 

As for the XXXX XXXX XXXX in XXXX has been unresponsive to my persistent and repetitive inquiries related to duplicate billing error i have not been provided meaningful explanation of medical bill associated prior to enlisting this aggressive collections team in NC. as I realize this facility has had persistent mismanagement of state funding as they moved to XXXX XXXX they seem determined to minimize pre existing losses by aggressively sending bills to collection without providing review of contested billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe are inaccurate and violate several laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

The following items are being disputed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXollection Account Firstly, I dispute the accuracy of the information regarding the collection accounts for 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 These accounts have been reported as collections, but I have no record of ever receiving any communication regarding these debts. I request proof of the debts and the attempts made to contact me regarding them. 

Secondly, the charge-off accounts foXXXX 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 have been reported inaccurately. These accounts were either settled or paid in full, and I request that the information on my credit report be updated to reflect this. 

Lastly, I dispute the collection account for XXXX XXXX XXXX XXXX XXXX. I have no record of ever having an account with this institution and I request proof of the debt and the attempts made to contact me regarding it. 

I request that you investigate these items and remove any inaccurate or incomplete information from my credit report. Please provide me with a written response detailing the results of your investigation and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon as possible.

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.

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 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TN

Complaint narrative:
I was scammed from XXXX  to crypto in the amount of almost {$10000.00}. Dates are XX/XX/2022 I contacted customer service and got zero help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC
State: CA

Complaint narrative:
I got a credit alert that there is a derogatory account under my name. I called Bay Area Credit Service regarding debt collection. Name and address associated with the account were not names or addresses associated with me. They told me I should contact the credit bureau. I contacted XXXX and had those names and addresses that were not associated with me to be removed from my credit. I contacted XXXX again today regarding issue and they told me I needed to file a fraud complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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:
FCRA Violation : name and address not mine 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 FCRA Violation : other loan not mine XXXX XXXX, XXXX {$3000.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX {$350.00} XXXX XXXX  {$200.00} XXXX XXXX {$230.00} XXXX XXXX {$2300.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$69.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$110.00}

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