vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They DID NOT do this.

Also, they have violated my rights even more In accordance with Fair Credit Reporting, EVERYTHING has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and/or date last reported is not accurate. This is GROUND for removal.

They also violated the law because according to 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 did not give anybody written instructions!

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 2022-10-26 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
On XX/XX/2022 I was looking to buy a car from BMW XXXX XXXX XXXX. I had already had a pre-approval through my bank XXXX XXXX. I was told all I had to do was give the dealership my reference number from my pre-approval and everything should go smoothly. For the car I was buying Sales XXXX XXXX XXXX assisting me and I told him that everything is all set and ready to go all he had to do was call XXXX XXXX and give them my reference number and I told him I was approved for up to {$47000.00}. He asked me to file out the application I said okay but please only send to XXXX XXXX Only. He asked if it was possible that they could get me a better deal was okay and I told him no I only wanted my credit ran through my bank since I am already pre-approved. My mother was in attendance on the call and heard me say that. I also have text messages and email to back this up. Later that day XXXX XXXX XXXX gave me a call stating they where still trying to work things out with XXXX XXXXXXXX and I asked for clarification and what they approved me for and all he replied was well thats what I am working on. Then hung the phone up after. The very next day I wake up to credit alerts from XXXX XXXX stating that my credit in total have been pulled more then XXXX times from different lenders I never asked for loans from. I called back up to BMW and sent a email stating I would like to know what on Earth happened as I did not authorize or approved them to reach out to these other lenders. I only want to use XXXX XXXX. Once I finally got in contact with XXXX XXXX XXXX he begin to talk to me rude and down on me stating Well Capital One said they will not approve you for {$47000.00}. I asked well what did they approve me for and he told me {$40000.00} and well if you want the car, youll have to put XXXX down. Do you have XXXX to put down?. I ignored his comment and asked why do you have my credit pulled with other lenders I never gave you permission to send to and he said well you werent approved with XXXX XXXX. So I called XXXX XXXX and spoke with them and I turns out BMW never used my reference number and just sent XXXX XXXXXXXX a new application instead. They denied the new application because I was already approved for XXXX. When I called the other lenders to get them to dispute their inquiries and file a complaint about BMW I was told I would have to call back the dealership since they are the ones that requested it. I called XXXX XXXX XXXX and told him I have proof and a paper trail that I never asked him to send my information to those other lenders he said no we can not do that its already done oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Pending an ongoing investigation, Bank of America closed my Bank of America MasterCard that I have had in good standing since 1989! I was given NO notice regarding the closure of this account, and was told that the account would merely be 'frozen ' pending the investigation. The card had a CREDIT of {$19000.00} on it due to accidental overpayment on my part. The matter of my stolen funds by Bank of America bank employees is ongoing which I REPORTED, and once I reported the theft and fraud, my accounts were closed! I suspect the closures originated at the branch level by employees who stole my funds, which I reported in my original complaint. Automatic reporting has been done against me to the credit bureaus that is ruining my good credit that I will now have to resolve. This is an outrage and I require immediate assistance.

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 2022-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Tesla, Inc.
State: NM

Complaint narrative:
We got a loan for solar panels in 2016. The company that installed them subsequently was purchased by tesla inc . They filed XXXX separate liens against our property for XXXX piece of equipment. They are refusing to terminate the earlier liens and this is preventing us from accessing refinancing on our home because the title company just sees XXXX liens on our property. We have spent days trying to sort this out with them and they want us to pay them {$150.00} per lien to correct their filing mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Unfortunately my mortgage loan was transferred to Specialized Portfolio Servicing several months ago. My online mortgage statement has been incorrect ever since my mortgage was transferred to them and it is still incorrect. I don't know if they are incompetent, or just dishonest. I have never missed a monthly payment with them, nor with the previous mortgage company, and my bank statements are evidence of this fact. My current statement claims that I did not make a payment for the month of XX/XX/22 and this is not true. 
SPS received the payment. The XXXX payment is scheduled for XX/XX/22. In addition, there is an overage in my account for several XXXX XXXX  which they claim they can not send me because my account is overdue. My account is NOT OVERDUE. ALL PAYMENTS HAVE BEEN MADE. They know this and I have the evidence to prove it. I am getting really tired of the games this company plays every single month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: Self Financial Inc.
State: DE

Complaint narrative:
On XX/XX/2022 I called SELF Inc. to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: NY

Complaint narrative:
Add to complaint id # XXXX XXXX XXXX proceeded to close both accounts, but the balance still remains on my fico report without my authorization. This is fraud and according to the FDCPA FCRA & TILA laws and regulations both accounts balances should be immediately 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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I'm filing this report against Capital One because I have been a victim of identity theft and thus far Capital One have not done anything to complete my request regarding this issue. I have never opened an account with Capital One whether credit card or checking account because I do my business with my regular bank. This identity thief opened this account and abused it with Capital One and now I'm stuck with it. I contacted Capital One and informed them that I have never associated nor conducted any form of business with them however, they refuse to cooperate. They claim that they will file for a dispute and two days later close my dispute and they claim that the account is mine when I specifically told them that I have no association with this account whatsoever. I sent a written request to them that request the record of application with the said account and they replied to me stating that the account was not filed in person and it was done either through a phone or through internet. Therefore, Capital One is claiming there is no record of application that has a paper trail. If there is no paper trail then there should be a digital record of application which should be sent to me since I'm requesting it. Capital One is claiming that I opened the account when I clearly didn't because I learned about this account from my real estate broker months ago when I was in the market to purchase a house. I asked for the record of application to hand it to the police but Capital One is refusing to get anything done and at this point I'm suspecting that Capital One conducted illegal activity to open this account by their own bankers. I am not certain of this therefore, this is a mere hunch. I informed Capital One of an identity thief that is messing my life over. I informed Capital One that I'm a victim of identity theft and what does Capital One do they tell me you are responsible for this account because the identity thief used your information to open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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: Experian Information Solutions Inc.
State: GA

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. 

FLORIDA 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
I had to contact XXXX because my account was on hold and I needed to transfer funds. The rep I spoke to instructed me to call him back so he could remove the hold. I did so once the money was in my bank account. 

He instructed me to initiate another dummy transfer to reactivate my account. After transferring the money, he cut the line. I called back but the line was no longer active. 

I immediately called my bank and they could not cancel the transaction. I lost {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Second Filing. XXXX was done and not reviewed by the CFPB. 

I have contacted Mr. Cooper on several occassions. They are holding almost double the oustanding balance of the loan and have cost me substantially because I didn't have the money to pay a deposit for repairs. XXXX XXXX Loan Number XXXX Balance approximately {$72000.00} Holding insurance amount over {$120000.00} They will not send documentation as to what provision allows them to hold this money, they will not respond with written correspondence and they will not release the amount over the XXXX What law governs this as I would like to pursue legal action pro XXXX. I also want to formally file a complaint here against Mr. Cooper. They have also charged me late fees that were not late in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My sister passed away without a will or assigned beneficiary. Her next of kin or survivor is her XXXX XXXX XXXX son. Her total assets is {$200.00}, making her estate non-probate in the state of Arizona. Chime is refusing to release the funds from the account addressed to her survivors name without probate paperwork. They are requesting a small estate affidavit and they do not have a payable on death affidavit or beneficiary procedures. XXXX is refusing to release funds outside of her estate name without the court paperwork. To file for a Small Estate Affidavit, it is {$350.00}, which is more than her total assets of {$200.00}. 
Chime has refused to speak over the phone, refused to escalate the issue to supervisors or higher ups, and will not discuss this further. 
From what I understand according to AZ state laws regarding rights of survivorship, intestate succession, and legal heirs, her son shouldnt have to follow any court procedures to receive these assets. Weve provided a signed statement of death from the funeral director, certificate of death and identification, however Chime still will not issue the funds to the legal heir under non-probate laws, Arizona XXXX XXXX laws, and whichever may apply to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A couple of weeks ago, there was fraud on my account. Bank of America locked my online access and locked the funds. I have a new account now, and they won't unlock my online account. I have been trying for weeks, with hour long hold times to just be hung up on. At this point I have no money, no access to my funds, and it doesn't seem like Bank of America will do anything to help me get access to it again.

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 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U S C 1681 section 602A. States I have the right to privacy.

15 U S C 1681 Section 604 A section XXXX : It also states a consumer reporting agency can not furnish account without my written consent

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 2022-10-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U S C 1681 section 602A. 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 account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: CA

Complaint narrative:
Upon receiving my credit report, There is currently an unauthorized inquiry from XXXX XXXX XXXX reporting on my consumer report dated XX/XX/21 and I demanding it be deleted. 

Pursuant to 15 USC 1681b ( f ), a person must have permissible purposes to access my consumer report. Considering that this company is a debt collection company there is no reason for them to have accessed my report without my written consent or without a permissible purpose. This is a XXXX invasion of privacy for anyone to be able to access my report. 

Transunion furnished this report to the debt collector and failed to verify why they needed access to my report and provided all of my personal information to them. 

XXXX XXXX XXXX used my personal identifying information in order to access my credit report which I never provided consent to and I had no knowledge of until now. 

Having this inquiry reporting on my consumer report is causing me great financial harm and having this reporting is lowering my credit score. 

I demand that this inquiry be deleted immediately and I am also demanding the reason that they accessed my report in the first place.

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 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
the bill was for {$16.00} to XXXX  XXXX and it was paid on XX/XX/2022 check number XXXX and today I receiv ed this transworld systems inc trying to collect the debt reference number is XXXX. 

I have a copy of the check that has already been cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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 — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
This company refused to removed this information from my credit even though my credit information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
Hi, I try to send {$400.00} in my account from XXXX, in that day I cancelled the transaction and they asking me for a refund, I gave them all my account details, after that they send me an email we paid you refund in XX/XX/XXXX you have the money 10 working days ... ..of course I don't have the money.. yesterday I call them and ask them what happened with my money, they told me money should be in you account, and asking me for my bank statement from XX/XX/XXXX until XX/XX/XXXX to check me if I have the money ... .and after that they told me ohhhh your money should be in that XXXX  bank account... there is know way ... because that account is not a USD account is XXXX  XXXX account ... I can't reserve in there only XXXX  money ... ..I tell them if you said that ..where is the fee which I have to pay for the refund because is considering international tranzaction ... after I told than that they don't answer anymore... Thanks XXXX XXXX

Company response to consumer: Closed with explanation