vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB AUTO FINANCE has violated my rights XXXX XXXX XXXXXXXX XXXX XXXXXXXX States I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXXXXXX XXXX  XXXX - Definitions ; rules of construction - Exclusions.-Except as provided in XXXX the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under an - open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore LM is the Mortgaging processing company. On XX/XX/XXXX, they sent me a notification that my loan was sold and transferred on XX/XX/XXXX, my loan was sold and transferred and was completed on XX/XX/XXXX. This violates XXXX XXXX stating, '' Fifteen notice must be given prior to the sale and or transfer of a mortgage ''. As well as completed within XXXX XXXX of the advanced notice. They failed and violated my rights as usual. When is CFPB going to do something about Rushmore continuous violations of my rights. XXXX or XXXX attempted modifications, each time they lose documentation so they can deny me. Using automated dialing and voice messages to contact my cell phone in direct violation of FDCPA. They claim they are allowed to do so. About XXXX received over past XXXX XXXX Enough is enough

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fith third Incorrect information on a credit report XXXX XXXX  I have a XXXX XXXX XXXX with XXXX XXXX and dealing with this company has been a nightmare. Agents from XXXX XXXX have contacted my job and family members ( family members not associated with my account or loan ) all under the guise that " they are trying to get in contact with me '', which is not true. They have taken unauthorized payments from my account which were never returned. This entire experience has been traumatizing and extremely stressful. I'm convinced that their tactics are intentional and lead to emotional distress. Their corporate office is completely unprofessional. Specifically, my MOST unpleasant experience has been with their corporate account specialist XXXX. She is completely unprofessional and absolutely intolerable. She is rude and condescending and his attitude is completely disgusting. He uses intimidation and insults as a means of negotiation. I am so frustrated with how this is being handled that I am prepared to take this to litigation. I have asked on NUMEROUS occasions to be assigned to another account manager and he has made it his joy to terrorize me weekly. I have even said on NUMEROUS occasions that I would be willing to settle if I had another account manager. At this point, he's a bully and it's very clear that XXXX XXXX does not listen to their own phone call recordings. XXXX XXXX is the ABSOLUTE WORST!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I deposited {$88.00} into my credit karma checking account on XX/XX/2022 and the funds arent available, even after being posted by the bank. I called to check why Im not able to access the funds and the representative reasures me it would be availible in 1 hour because of a problem on their end. Currently theyve still not made the funds availible after its been posted and cleared on their end and theyve refused to reverse the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
The Situation : On XX/XX/XXXX, I walked into XXXX XXXX XXXX XXXX XXXX to inquiry about financing a vehicle. Upon arriving, I was greeted by XXXX XXXX. XXXX begin asking what my XXXX XXXX XXXX XXXX was and how much I was earning a month in income. I told him what I believed the score to be at the time and I told him how much I was making exactly a month in my career. Afterwards, we proceeded to look at cars based off the information I shared. Afterwards, we went back inside the dealership to see what the banks would approve me for in credit. Upon running the XXXX credit, I was approved for a XXXX XXXX XXXX that had a price for {$20000.00} based upon what the contract says. After submitting my bank statements, proof of income and credit financing application XXXX came from the financing office and told me the banks required me to put down cash in order to drive the vehicle off the lot. Not knowing the federal law at the time, I negotiated what he claimed was being requested to be put down so I put down {$3500.00} to drive off the lot via ACH method. The complaint I have is that XXXX XXXX XXXX XXXX XXXX violated federal law and dishonored their obligation to uphold Truth In Lending. The first violation of federal law is found in 15 U.S. Code 1605 - Determination of finance charge - ( a ) 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 to whom the credit is extended, and imposed directly 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 shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

(

2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga [ XXXX ] Experian XXXX XXXX XXXX XXXX, TX XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verficiation of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: NC

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 U.S.C 1681. 
Mariner Finance , LLC has XXXX different accounts reporting to the credit bureau with all different information that's hurting my credit report. 
account numbers- XXXX XXXX XXXX, XXXX XXXX XXXX The issues that I am having is that Mariner Finance is listed XXXX XXXX with different information. The amounts posted are not the same XXXX account states a balance of {$6800.00} last activity is different and payment history is wrong. The second account states a {$0.00} balance with Highest balance {$9600.00} stated that the account was closed due to Refinance. The last account states {$0.00} balance with Highest {$9800.00} which states the account was closed because of refinance. Mariner Finance only reported the XXXX accounts to XXXX and XXXX. I have requested that I the consumer be sent verification of this debt and haven't received anything. As a consumer my rights have been violated by this company buy putting fails information on my credit report. 

15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 2022-11-06 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED  XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXXE XXXX XXXX XXXX DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX, has violated my rights. 
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 2022-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Requested refund on my payments, was told 4-6 weeks I would have my payments refunded to me but nothing. I called customer service multiple times but I would get different information each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I voluntarily allowed the XXXX  to be repossessed in XXXX of XXXX and even after several attempts to get them to change the status of my account, they refuse to do so. The continuously update my account to current, so that I remain 30-45 to 180 days late on my account, preventing me from making any strides on my credit at all. The status is listed as open, even though the vehicle was repossessed by them and probably sold again. I can not even get a va home loan until this is resolved. The company is also using a pseudo name for some reason. It's actually XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX Account Number XXXXXXXX XXXX  Account XXXXXXXX XXXX Account Number XXXX, XXXX Account Partial Account Number XXXX, Has violated my rights. 15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681 Section 623 B Section 2 : The Information is, in fact, still inaccurate.15 U.S.C 1681 section 609 A : Every Consumer reporting agency shall, upon request, clearly and accurately disclose to consumer :

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 2022-11-06 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: IL

Complaint narrative:
Experian refused to provide me my report online and stated that I would have to mail in additional verification. I then went directly to their website and chose an option that required me to pay them for the service, and they immediately provided the report after I paid the fee.

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 2022-11-06 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act Midland Credit Management has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I have not been contacted by this company at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied online for a new Bank of America XXXX XXXX XXXX credit card on XX/XX/XXXX. The application was " pending '' until XX/XX/XXXX. On the morning of XX/XX/XXXX, I received a single call from Bank of America. I assumed this call was made due to the notation on my credit files requesting that any issuer contact me via cell phone before extending credit. I was not able to answer the call. Bank of America did not leave any voicemail confirming my assumption or to provide any information as to the reason for the call. I immediately called Bank of America to ask about the reason for their call and I was told the representative that attempted to reach me immediately declined the application for credit and that I would receive a letter stating the reasons for their denial. This representative stated they had neither the ability to connect me to the person or department that attempted to reach me nor did they have the ability to tell me the reason for denial over the phone. Bank of America did NOT provide me a letter stating the reasons for denial within 30 days. On XX/XX/XXXX, I called Bank of America to ask them to send the letter so that I could find out why I was denied. The letter arrived within two weeks time, further evidencing my suspicions that an original letter was never mailed to me. When I received the letter, my assumptions were confirmed that the call was to comply with the notice on my credit file and the letter directed me to call a specific number to verify my approval for the new credit within 30 days or my application would not be able to be processed. However, it was impossible for me to call within 30 days because BofA did not provide me the denial letter within 30 days as they are legally required to do. Now, if I still wish to open the credit card, BofA is requiring me to apply again, obtain another hard inquiry on my credit report, and hopefully not miss their singular call to verify my approval. This was both a horrible experience as well as a regulatory violation in my opinion.

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 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Oklahoma Student Loan Authority
State: IL

Complaint narrative:
Student loan Student loan of Oklahoma refuses to remove my queen history and failed to several times after I call them and I have XXXX balance and I can't get a home because of this and it's really driving me crazy because I have a XXXX balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a victim of identify theft where a person changed my information on Wells Fargo checking account and sent three -unauthorized wire transfers- to three different banks totaling {$60000.00} as noted below : XX/XX/22 {$24000.00} to XXXXXXXX XXXX  XX/XX/22 {$24000.00} to XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/22 {$11000.00} to XXXXXXXX XXXX XXXXXX/XX/22 Wells Fargo sent letter to me denying my claim

Company response to consumer: Closed with monetary relief