vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2024-01-10 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: AL

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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Coastal Custom Mortgage, Inc.
State: GA

Complaint narrative:
I was interested to purchase XXXX of the XXXXo in XXXX area. My real estate agent XXXX XXXX XXXX suggested a lender named Coastal Custom Mortgage Inc to get pre approved. The lender preapproved me and confirmed that I can get loan to purchase this property. Based on the confirmation, I submit a bid with {$3500.00} earnest money. In addition to that I paid for {$560.00} for appraisal and {$350.00} for house inspection. Once appraisal and inspection is completed and financial contingency under the contract is over, the lender Coastal Custom Mortgage Inc informed me that they can not provide loan for that said property. The reason they told me that all condominiums in that particular HOA are banned for a XXXX XXXX. Due to that, I lost my earnest money deposited on escrow account. The sellers agent ( RE XXXX XXXX XXXX agreed to pay me only {$1000.00} on request and remaining {$2500.00} they did not pay me back. I lost total {$3400.00} including appraisal and inspection cost due to a gross negligence of the lender Coastal Custom Mortgage Inc who should provide me the information beforehand. I attached the pre approval letter from Coastal Custom Mortgage Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates LLC has failed to validate a purported debt they've been claiming I owed them and refuses to cease and desist from inaccurate reporting and debt collection malpractice by somewhat renewing dates of the so called debt being owed allegedly by me, They have violated sections of 15USC 1681 ( e ) ( n ) ( o ). 
They claim they've investigated and verified the debt to be valid but has yet to produce one single signatory document or contract that validates their claim. They have also failed to produce any methods or processes that they used to come to such a conclusion to an alleged debt that they have failed to validate, This has been very frustrating for me and my family as my letters to Portfolio to delete such information from my credit file has gone unheeded as required by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: PA

Complaint narrative:
Submitted SAVE plan in XXXX and it is still pending- Mohela XXXX not communicate any information/a timeline to me. I would weekly check to see the status without it moving. Mohela placed my loan in administrative forbearance without any communication that this action was taken. They then removed me and stated I had late payments without any communication. I have messaged Mohela on the following dates : XX/XX/28, XXXX, XXXX and have not received any responses. I have called Mohela on XXXX separate occasions and due to waits over XXXX hour, I requested call backs that I never received. The only callback I received was 2 days after my call on a Friday evening when I was unavailable. Mohela has still not communicated with me regarding my XXXX plan being processed and I found out today that I was placed back in forbearance without any communication. 
Mohela continued to send me past due bills while continuing not to respond to my messages and calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: GA

Complaint narrative:
Hello, I just need this one inaccurate account be removed on my credit report from all credit bureaus record because they have reported it incorrectly. A lot of information doesn't connect, match and align with each other, thinking that youre only acquiring this information from one source or creditor. How can that meet the Standards of Accuracy if the reports from each bureaus differ from one another? 

This is the main reason why I have reason to believe that this account was incorrectly reported under my name. I never authorize any individual or entity to add this item on my file. So this must be automatically removed and deleted as promptly as possible. 

While I was scanning through my credit reports. This one particular account named XXXX XXXX with account # XXXX XXXX All three credit bureaus have different interpretation of each categories and descriptions : 1. Account Type - Detail > XXXX said it was a deposit related but Experian said it was UNKNOWN and XXXX has no comment 2. Account Status >  XXXX XXXX XXXX said Derogatory but Experian said PAID 3. Date Opened > XXXX said XX/XX/XXXX but Experian XXXX XXXX declares XX/XX/XXXX. 
XXXX. No. of Months ( terms ) : Experian says ONE but XXXX and XXXX says ZERO 5. Date Last Active > in XXXX was on XX/XX/, Experian says XXXX  and XXXX was XXXX 6. Date of Last payment : XXXX XXXX Experian has NO Records, while XXXX declares XX/XX/ Thus, I demand that this account must be deleted.

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 2024-01-10 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: NV

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with National Credit Adjusters. They did not provide me with the original contract as I requested therefore violating my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: United PanAm Financial Corp.
State: NC

Complaint narrative:
According to TILA section 15 usc 1605 I am requesting my finance charge and other violations that meet the criteria to rescind this contract based on consumer laws. I will be taking legal actions against United Auto Credit for such violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: MD

Complaint narrative:
My recertification date is XX/XX/XXXX on XXXX XXXX. However, under their guidance on the student loan pause, XXXX says " The earliest you could be required to recertify is XX/XX/XXXX. On your account " My Aid '' page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' Based on this guidance, my recertification date should not be until XX/XX/XXXX as it should be pushed out a year after XX/XX/XXXX. I filed my taxes married filing jointly based on this guidance. Otherwise I would have filed married filing separately to get a lower monthly payment. My payment will go up by over {$1000.00} a month based on this incorrect information, which I can not afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2024-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: TX

Complaint narrative:
I was in a car accident and per the atty request to go to the XXXX. I was not at fault of the accident. The person at fault was to cover all accounts. Due to XXXX, I was not able to continue going to the doctor for fear of catching XXXX. The insurance company dropped the case and I never signed anything and now they are seeking money for a non recourse debt. The doctor office knew that this was for a car accident and that a third party was paying the bill. They tried to get my personal medical insurance and I refused to provide that. On top of that, each month they increase the amount by XXXX dollar for over 12 months but states this is in a debt collection and charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), credit reports must accurately reflect a consumer 's credit history. Any discrepancies, such as incorrect late payments, closed accounts, or unauthorized inquiries, violate this federal law, granting you the right to dispute and rectify these inaccuracies. 

Social - 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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Attempted online purchase from the Government of XXXX. Card blocked. Foreign ( Non english speaking ) representatives placed me on hold and then disconnected me 3 times. Only my name was ever asked and account security word. Called back 3 times. Card was blocked - Company states that I have to wait for a letter to arrive by mail to verify my identity as all attempts to verify me have failed. No verification steps were performed nor was I asked any questions. Company flat outright lied. Company refuesed to identify what steps can be taken to unblock the account. I am willing and able to verify any information to unblock the card but they refuse to proceed with a verification process.

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase Bank Closed my Account due to race days after I filed a complaint about low approvals and limited benefits to XXXX XXXX  customers violating the equal credit opportunity act, while a protected class of people enjoy the fruits of their heritage those are non XXXX and XXXX customers that get outstanding approvals with little to no credit compared to other races, I will post this bad behavior on XXXX XXXX for customers to see how bad this bank is treating minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/23, I instructed my financial institution to send a check to Bank of America to the credit of my private party mortgage holder 's account. On XXXX, the mortgage holder advised that the check was returned to her account, and I paid a second time. Subsequently, she provided a copy of what Bank of America sent her, and they claim the check was altered or fictitious. 

I went to my financial institution, XXXX and asked for proof of payment, which is attached. I then sent a letter to Bank of America, copy attached, with proof that the check cleared and requested that they reverse their error as the check was paid, and credit XXXX XXXX XXXX  account. 

To this date, no funds have been returned to her account or to my account, and Bank of America has not responded.

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 2024-01-10 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: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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