vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX, XXXX and Experian has received my 30 day to comply and still has not given me the results of the investigation which is against the law. Multiple items have been verified by the companies that I do not have an account with them.

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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX at about XXXX, my debit card was used at a XXXX and XX/XX/11 in XXXX Ca XXXX there were 2 fraudulent transactions made at the XXXX for {$400.00} and XXXX fraudulent transaction made at the XX/XX/11 for {$40.00}. I contacted my bank, Wisely - XXXX, on XX/XX/XXXX ( when I realized there had been money stolen from my card ) to file a dispute. the person assisting me advised she would send a replacement card that would take about 7-10 business days. I called Wisely back 1 week later to get an update on where my card was as I still had not received it. the man assisting me that morning said he saw a dispute was filed, but no card was sent out. I then had to pay {$25.00} fee to get the card expedited. I received my card within 2 days and called to active my replacement card. the woman advised after activating my replacement card, my funds would be deposited within the next hour. I called the next day to check my balance and it was still showing {$0.00}. I called the dispute customer service line for Wisely and they told me my claim was closed and they did not see any fraudulent transactions were made. I have been contacting them on a weekly basis via phone and email ( no one has contacted me back on this matter or responded to any emails ) as I still have not received my funds back. They continue to tell me there was no fraud being made and have been no help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: NRA Group, LLC
State: AZ

Complaint narrative:
National Recovery text late at night the most recent was XXXXXXXX XXXX. from XXXX attempting to collect a debt for a company I do not even know. I have requested and Stop text request multiple times and they still text me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Deposited a check for {$150000.00} on XX/XX/XXXX to my checking account at Bank of America. The check showed as cleared the checking account that the draft was written on the same day ( XXXX XXXX  ). Bank of America has placed a hold on the funds for 9 days and says the funds will not clear until XXXX, XX/XX/XXXX. The check cleared the next day and to my limited knowledge, the clearing process is 24-48 hours. A short hold is reasonable. This is not. Now my funds are in suspense.

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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Theres a new account open from XXXX XXXX XXXX that does not belong to me it just showed that someone used my SSN to open a new account and Im not sure what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I sold my home in a short sale in XX/XX/2022 and the bank has still not filed a satisfaction/cancelled my deed of trust. It is still showing open on the register of deeds in XXXX XXXX, North Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed a bankruptcy showing on my Experian credit report several times, and Experian has not fully investigated and removed it. On letters I have received, it shows they use a third party called XXXX, which resells information to Experian. Based off of this, I have verified that this public record is no longer showing on my XXXX report, however, Experian is still reporting it. 

According to the letter provided by XXXX ( Attached to this complaint ), XXXX initiated a dispute on my behalf with Experian.

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 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I owed a debt for unpaid fines to XXXX XXXX XXXX XXXX. The amount is {$5400.00} and it is from a case in XXXX. The case that those debts occurred from has been expunged and the debt should have been erased. I notified the debt collector MSB  that this had happened. They asked for proper documentation which I sent over immediately. Their now saying the debt is still valid and my court papers are invalid. My documents are issued from the XXXX XXXX recorders office they are as valid as they come. Because of this debt there is a lien on my credit which is preventing me from getting a driver 's license. I have contacted them numerous times with no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
Fair Collections & O is showing a leasing management balance of {$5900.00}. I vacated the rental property address : XXXX XXXX XXXX, XXXX, SC, XXXX managed by XXXX in 2016. I have never received a statement with any itemization of damages or fees, etc. The South Carolina Residential Landlord and Tenant Act, ARTICLE 3, Landlord Obligations, SECTION 27-40-410. Security deposits ; prepaid rent states : ... Any deduction from the security/rental deposit must be itemized by the landlord in a written notice to the tenant together with the amount due, if any, within thirty days after termination of the tenancy and delivery of possession and demand by the tenant, whichever is later... 

Because they failed to provide the written documentation the fictitious charges need to be removed.

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 2022-08-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony bank is the creditor. I have had 3 accounts with them where they sneak onto your bill ( card security ) that charges a monthly fee. 2 of my accounts they did this to and when I confronted them on one of the accounts they always say " you signed up '' for it but I never sign up for credit insurance on any credit card what makes them so special. I did not sign up for I told them so on one of their accounts they refunded the money then a month later I seen it on my bill again. Same thing happen they said I signed up for I told them I didn't they refunded. Then on my synchrony lowes account which I forgot to look into thinking it was a random accurance on the other account. I finally after paying huge monthly payments to synchrony lowes account {$280.00} per month couldn't fathom why my bill never went down only went up when I hadn't purchased anything in nearly 6 months. So I looked at my statements and seen they were charging card security on that account to the tune of {$100.00} plus per month for years they were charging me this and when I confronted them they said their classic line " you signed up for it ''. I was livid paying for years on a card trying to pay it down but couldn't because they were scamming me all along under the guise of ( card security ). They only refunded {$1300.00} of that money but they owe me much more than that plus interests. They been charging me interest on charges that should have never existed. When I confronted them on that they said " case is closed ''. I want to sue them and expose them for what they are doing to unexpected trusting consumers. We look to businesses to hold the highest standard not be crooks. They also used this as a excuse to lower my credit limit and when they did that which they did numerous times they solely destroyed my credit. I never defaulted or was late on any payment to any of my credititors not even synchrony bank but they have been he'll bent on ruining my credit and it all started with their scam they pulled on my called XXXX XXXX. I want them fined and held accountable for harming me financially and damaging my credit by deliberately lowering my score so they can up their fees making me look like a credit risk. I am also doing XXXX reviews to warn everyone about they shady business practices. Oh this lowering my credit limit thing they are pulling this is what they did. So my lowes credit limit for example is XXXX and my balance is {$4700.00} so what they will do is lower your credit limit to {$4700.00} then you pay {$1000.00} then they lower it again and so on each time they lower it damaging your 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 monetary relief
Consumer complaint received 2022-08-26 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: Bridgecrest Acceptance Corporation
State: CT

Complaint narrative:
Reported Amount due to alledged debt collector owed : XXXX Reported to Credit reportig agency when initially no reporting was told would go to said entities ( i.e XXXX, XXXX, XXXX ) Property Siezed total Amount : XXXX Total written off XXXX. 
Liability forced upon by constant written notifications and threats of garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank repeatedly offered me deferments, while also reporting my account as further past due than it was, did not address my issues, lied to me repeatedly and while leading me to believe I had, yet again, been approved for a deferment, sold my loan to a third party, who are now attempting to foreclose. When I have, repeatedly, sought to resolve this with them, I have received completely deflecting answers, they now refuse to communicate with me further. When I asked why I was repeatedly offered deferments that I relied upon in good faith, I was ultimately told, " our system was new, so it made a mistake ''. This does not absolve them of Promissory Estoppel or Duty of Good Faith and Fair Dealing. Plus, I relied on this and took no action, until I attempted to resume payments, because I was acting in good faith. They were not, they lied to me during the collection process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XXXX XXXX a deposit amount from my employer was sent to the PNC bank using a generic routing number that is PNC owned. The funds were never deposited into the account. The funds are holding due to the routing number not being correct. I was told I would have to wait for the funds to be rejected in order to have the funds deposited into my account. I was also told that the funds could be moved by the ACH department immediately. Upon speaking with them, I was told it could not be done. If the account information is correct the routing number was PNC owned why were my funds not sent to the account. I was told per XXXX and XXXX that they were behind in there work and I would simply need to wait. That is not my problem they are short staffed or behind why tell a 10 year customer that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26 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: Harley Davidson Financial Services Inc
State: GA

Complaint narrative:
15 usc 1681 section 602 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 a account without my written instruction 15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've tried several times to get the remaining balance of my account with no success. XXXX called several names for thrown out of the branches. Truist Bank

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 2022-08-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed for XXXX XXXXXXXX in XXXX and completed the process in XX/XX/XXXX. The Trustee closed the case and it is reported in XXXX XXXX as a closed account. It could not be reported as discharge because of a prior XXXX XXXX discharge which is correctly reported on my report. 

I have tried to contact the credit bureaus more than four times because they are reporting the case as DISMISSEd and not CLOSED. I have provided a copy of the Court 's filing which indicate the case is CLOSED along with a copy of the XXXX XXXX report also showing it CLOSED Each time Experian, XXXX, and XXXX have stood firm not changing the status. 

According to the bankruptcy rules, it states : Since bankruptcy reform in XXXX, someone who files a XXXX XXXX right after their XXXX XXXX doesnt get a discharge in the XXXX XXXX case. 

After speaking with the XXXX 's office, they confirmed the above and reaffirmed that the case was NOT DISMISSED, but CLOSED and they do not understand why it is being reported as DISMISSED. 

Furthermore, A dismissal is usually a loss. It means the bankruptcy case was closed before a discharge was entered. THIS IS NOT THE CASE. 

All payments were made over the 60-month process, the Trustee accounting was finalized and the case closed - again, because of the XXXX XXXX discharge another one could not be entered because it was within the 4 years of filing the XXXX XXXX. 

I would like the credit bureaus to correct their recording which if it remains dismissed if there are other creditors I may once again fall into harassment from them trying to collect a debt that has been taken care of under the Bankruptcy law.

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 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I applied ( through a state program with the Department of Economic Opportunity ( DEO ) - " HAF '' Homeowner Assistance Fund ) for mortgage payment assistance in the amount of {$1200.00} and was approved on XX/XX/2022. I was approved for the payment assistance to pay my mortgage payments for 18 months ( see attachment ) starting XX/XX/2022. I had called the HAF department 3 times prior to XX/XX/2022 to ensure that the payment was sent to my mortgage company. 

On XX/XX/2022, I was informed by a member of management with the HAF department that in fact they mailed the check in the amount of {$1200.00} to my loan servicer with a check number of XXXX had cleared on XX/XX/2022. After multiple calls to my mortgage company, they do not have confirmation of the check received from Department of Economic Opportunity ( DEO ) and OR the " HAF '' Homeowner Assistance Fund. 

There is there is only 2 business days left in this month before I am formally late and before this goes into another month of misapplied or no payments being confirmed by my mortgage company. ( Included XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX - ( XXXX ) XXXX - See attached mortgage statement reflecting loan servicer and no history of documenting the XX/XX/2022 mortgage payment from the HAF department ).

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 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: OK

Complaint narrative:
{$700.00} I went into their office and compared signatures. Didnt match. Company sent me forms to fill out but I dont know how to fill them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I closed a mortgage refinance with Rocket Mortgage on XX/XX/2022. I was not left with a copy of the closing package. I never received a copy during the XXXX rescission period. I decided to rescind my loan on XX/XX/XXXX and since I didn't have a physical form to send them I called. I couldn't get any one on the phone. I left several messages indicating that I wanted to rescind my loan so to consider this their notice. It wasn't until this morning that I heard from anyone and they told me it was too late. I explained that I didn't have a copy of the closing package, that I had no form or fax number to send in a request so I called in to execute my right to rescind by midnight on the XXXX day. They are still refusing to cancel my loan. I'm hoping the CFPB can step in to get them to comply with my request to rescind so that I don't have waste money on lawyer fees. 

This is predatory lending. I don't want their high rate or high fee loan. They are trying to strip my equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: PA

Complaint narrative:
I have requested you to properly conduct an investigation on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX ( this account number is listed three ( 3 ) times for a different amount ) XXXX XXXX You are now claiming that these accounts are " Verified ''. 
I want to be clear, these are MEDICAL ACCOUNTs, that it is protected under the Health Insurance Portability and Accountability Act of 1996 Section 1173.

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 2022-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Credit Acceptance Corp., has violated my rights. 


15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any reason.

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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I applied with XXXX XXXX XXXX XXXX in an attempt to open an account. I received a Notice of Action Taken-Notice of Action Based on Information Contained in a Consumer Report ChexSystems ). However, I have attempted multiple times to retain report via online and phone calls with unsuccessful attempts. I have included FTC reports of identity theft and other banking institution so that I can open up an account. I have also reported this information to the CFPB due to the difficulty of obtaining reports and or customer service since XX/XX/2021.

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