vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to Sun Toyota to see about trading my car in. I was informed that there was a vehicle shortage and all they had coming in was the XXXX XXXX. I was looking at a used XXXX XXXX also, but was informed that they would have to pull my credit more than the 4 times I agreed upon ( initial, XXXX XXXX, Southeast Toyota, and XXXX XXXXXXXX, I had a pre approval for them already ). I decided on the XXXX since I did not want my credit ran too many times as I explained I wanted to buy a house this year. Well so much for that because they ran my credit 22 times and the reason I was told is that they made a mistake in the initial paperwork and they had to fix it and reapply for credit. When I went in to sign on the XXXX, I was told that they had to remove the GAP, service warranty, etc because the bank would not finance the loan for that amount. I honestly didnt want the car anymore and told them since they had ran my credit so many times I might as well get what I really want. About a week or so ago I was on the Southeast Toyota site and came across the contract. I opened it and immediately noticed the date signed was the XXXX and the signature was not mine. I then pulled out my copy from the XXXX and noticed the amount is the same, but the numbers are changed in some spots. Now Im questioning the whole thing. I spoke to the general manager and he agrees the signature does not match, but stated the bottom line is still the same so he dont know what I want to do. He did offer to write letters to fix my credit, but that is only after I brought this grad issue to his attention. Initially I was given a card to call some credit repair agency to fix my credit myself. The initial loan on the XXXX was for the same price with warranty and when I went to sign on the XXXX they told me the only change was that I could not get the warranty. The sale rep had already told me the price of the car was going to be less. Being that they never gave me the first contract I did not have anything to reference the price to and took their word for it. 

I notified the finance company of this as well and they directed me back to the dealership. It was at they point I stopped making payments and contacted XXXX since they regulate the dealership. The last response I got was that they offered to buy the car back and theyd reach out. I never heard from the dealership after I spoke with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I need a credit card Over the past month, after I logged in to my bank account there was a link with an offer that I was pre-approved for a credit card. 
I keep getting the error Looks like this in not working now see attached Chase one video. 
I called Chase support over a month ago they told me it was a known error and that they were working on it check back in a few days well its been over a month still not working. 
Bigger issue Chase Bank is in violation of the Bait and switch Section 5 ( a ) ( 1 ) of the FTC law. 
See the attached video New Chase '' I go to XXXX up Chase credit card offers. 
Your Marketing Department is running a paid ad. 
Chase Bank is knowing are running an offer for a credit card. 
I click on the paid adtaken to a landing page that shows a {$900.00} bonus offer. 
Click on learn more then offers me {$750.00}. 
Thus, Bait and switch. 
I called to complain and was told that the {$900.00} offer expired in early XXXX. 
Here is the problem offered for {$900.00} had NO disclaimers on the landing page. 
All is says is the {$900.00} offer and then switch you to the {$750.00} I called Chase to explain that to the rep and they refused to honor the offer. 
I even offered to apply and once I met the qualified spend they just credit me the {$150.00} or point value. 
They still refused. 
Link to videos that show proof of fraud XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Solar Mosaic LLC
State: FL

Complaint narrative:
Mosiac is showing on my XXXX my account is 30 days late when the money is auto deducted from the account the bank stated the company never attempted to take the money of the account I then made a double payment for their error and the money had been auto deducted from the same account since then and have received every payment with no problem and I need this late status removed from my account I made double payment and account is current XXXX a representative at the company has written a statement in my behalf to have this corrected on my account I have bank statements for documentation and also reporting 30-60days on my experian account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has obtained and trafficked my nonpublic personal information without authority or my consent. Upon lawful request and in conjunction with my consumer rights, I have demanded that Capita One cease trafficking defaming and falsified statements to nonaffiliated third parties pursuant the FCRA and the Gramm Bliley Leach Act, but Capital One has refused to do so. Capital One never afforded the opportunity to avoid such communication and trafficking of my information. Capital One is intentionally ruining my credibility and reputation in order to coerce payment on an account that I do not own. Capital One has violated various FCRA laws including reporting items on a credit report that should not have been reported in the first place pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( d ) ( 2 ) ( C ) AND 15 USC 1666.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  is showing on my transunion my account is 30 days late when the money is auto deducted from the account the bank stated the company never attempted to take the money of the account I then made a double payment for their error and the money had been auto deducted from the same account since then and have received every payment with no problem and I need this late status removed from my account I made double payment and account is current XXXX a representative at the company has written a statement in my behalf to have this corrected on my account I have bank statements for documentation and also reporting 30-60days on my XXXX  account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: FL

Complaint narrative:
On Saturday, XX/XX/2023 I received 2 deposits to cash app totaling {$250.00} less cash app fees so about {$240.00} which gave me a balance of {$250.00}. There were no pending transactions and less than 2 hours after the deposits my balance dropped to {$3.00}. I immediately reached out to cash app and they keep telling me to dispute a transaction, but what do I dispute when all the transactions have posted and nothing is dated for the date in question? I have contacted support 4 times and now all they keep saying is an error occurred between XXXX and XXXX, but that is all the information they can provide. I can file a dispute. 

People told me cash app was taking their money since the owner died, but I thought they were mistaken. Now I know they werent. I plan on telling them to file a complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: VA

Complaint narrative:
I have been trying to cancel this account and completely remove my information since XX/XX/2022! They will not remove my information! They continue to charge me monthly for these services! This is so so horrible.

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 2023-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
We have been doing a short sale on this file since XX/XX/XXXX and we finally got an offer that meets the lender 's minimum net based on the appraised price and after submitting it, we were told that the seller needs to file an insurance claim for the damages throughout the home or Pennymac will not accept the offer in the short sale. The seller is XXXX XXXX XXXXXXXXXXXX XXXX  and his daughter is his power of attorney and although he hasn't been in the home for the past two years, he still filed a claim over two weeks ago ( when the lender notified us about it ), as per the lender 's requirements, and the claim has been denied due to borrower neglect. Just as of Friday XX/XX/XXXX, there's now a foreclosure auction date set for XXXX and Pennymac refuses to postpone it, when the only reason we filed the insurance claim is because they required it for whatever reason. This is the first time in my experience a mortgage company has asked a seller to file an insurance claim in order to accept an offer that meets the minimum required net. Otherwise, we could have closed this by now because the title to the home is clear, aside from the mortgage. Please help us get this reviewed to accept the current offer as it meets the minimum required net. It's unfair to the homeowner that he is meeting a requirement that Pennymac set, just for them to now put him back into foreclosure. They basically set him up to get foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Filed previous complaint # XXXX, wells Fargo denied complaint because of previous court litigation regarding " robo signing illegalities. ". 

Wells Fargo did not acknowledge nor address their " robo signing illegalities, '' with regards to the foreclosure documents that I received that were not signed nor notarized. 

The court didn't address robo signing illegalities either. 

Their was a national settlement foreclosure agreement that includes wells Fargo. That agreement specifically states '' settlement does not release private claims by individual.

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 2023-05-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I want these accounts to be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was approved for the car loan through the dealership and later called back to amend paperwork which gave me a higher payment.

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 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reached out to creditor to have an inquiry i was unaware of and did not authorize removed. They said the i inquiry will be removed in 60 days. It has been 90 days and its still is on my credit profile. I have tried contacting transunion myself they say there is nothing they can do. They have reached out to XXXX  XXXX with no response. I explain to them they are willfully reporting inaccurate information yet they will not remove it. This is a violation of 15 usc 1681s-2b

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 2023-05-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 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 under an open end consumer credit plan as late for any purpose.

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 2023-05-01 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Over the past few months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. It has become clear that the Experian being willfully negligent in rectifying my affairs. 

These accounts could not be verified nor validated with XXXX. Therefore XXXX deleted it from my credit report. If this account is from the same creditor how is Experian able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof Experian have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681. According to Fair Credit Reporting Act ( FCRA ) everything on my credit profile must be accurate, verifiable, and if not that information 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 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Over the past few months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. It has become clear that you are being willfully negligent in rectifying my affairs. 

These accounts could not be verified nor validated with XXXX. Therefore XXXX deleted it from my credit report. If this account is from the same creditor how are you able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof you have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681. According to Fair Credit Reporting Act ( FCRA ) everything on my credit profile must be accurate, verifiable, and if not that information 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 non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I had a loan with Suncoast FCU for my XXXX XXXX XXXX. 
I traded the XXXX XXXX in for a XXXX XXXX. 
I kept the same insurance policy and limits, and just swapped the cars out. 
The limits for the XXXX XXXX XXXX and XXXX XXXX are the same and should satisfy Suncoast FCU requirements. 
The policy number is also the same, from XXXX, so there was no change to notify XXXX XXXX about. 
However, XXXX XXXX began charging me high amounts for not having insurance. 
All they had to do was utilize the same policy I gave them and they would see its always been insured since the day I left the lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
I want these accounts to be removed from my credit report!

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 2023-05-01 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by updating and removing the late payment remarks on the items that I was never late in.

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 2023-05-01 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: IL

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by updating and removing the late payment remarks on the items that I was never late in.

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