vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
Peace love and abundance. 
According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

also 15 U.S. Code 1692c - Communication in connection with debt collection : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

as well as the agencies not supposing to report on accounts older than 7 years of age. 

With this being said : All items being reported on my credit should be removed immediately! 


DEPT OF ED/ NAVIENT Date Opened : XX/XX/XXXX Amount : {$3100.00} DEPT OF ED/ NAVIENT Date Opened : XX/XX/XXXX Amount : {$5400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$510.00} +

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Luckmore Finance
State: MS

Complaint narrative:
On XX/XX/2021, Luckmore Finance authorize and UNAUTHORIZE payment to my debit card without my permission. Ive expressed my concerns with a representative of Luckmore Finance ( XXXX  ) regarding this matter numerous of times and explained to them that they do not have a right to authorize my debit card whenever they want. I was told several times by more than one employee that Luckmore has the right to authorize your card if the account is delinquent and processed to email me documents ( XXXX  ) which clearly does not state their claim. 

On XX/XX/2021, I spoke to the CEO/Owner of Luckmore Finance, XXXX XXXX and expressed these same concerns to him regarding his employees informing clients that they have the right to authorize payment without the permission of the client. He stated he will investigate this matter, but I fully aware that he knows about this because his employee XXXX stated, this is what they tell us to tell clients if were questioned. Luckmore Finance is practicing unethical and illegal acts to clients who are delinquent on their account. Since my account has been delinquent, Ive noticed several illegal acts towards my credit report/credit file. To further know that Mr. XXXX is FULLY AWARE of these illegal acts, when I got off the phone with him on XX/XX/2021 @ XXXX, I received a notification from XXXX XXXX @ XXXX stating I had a new injury on my account and low and behold it was from LUCKMORE FINANCE! 
I have no lived and the state of Louisiana for 2 years and have not applied for any new accounts with Luckmore Finance. 

Luckmore Finance has intentionally reported false and inaccurate information to the credit bureaus, I have noticed several hard inquires on my credit report and inaccurate late payments. Due to these inaccurate and illegal intentions, this has caused me major stress as I am trying my hardest to purchase a home before the new year. Luckmore has ruined my credit worthy to other potential lender due to the inaccurate and false information that being reported to the credit bureaus.

Pursuant to 15 USC 1602 ( p ) unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Luckmore Finance committed several FDCPA Violations Illegal or unethical communication tactics Taking or threatening illegal action False statements or false representation. ...

Improper contact or sharing of info. ...

Excessive phone calls

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I noticed that my XXXX XXXX XXXX XXXX account balance was incorrect by showing a balance for the car loan that dated back to XX/XX/XXXX and a balance of {$4300.00}. I disputed the entry with Report Number : XXXX through Experian but also called XXXX XXXX XXXX XXXX about the issue. 

XXXX XXXX upon their initial call to me indicated that they had reported through XX/XX/XXXX. As I explained to the XXXX XXXX Complaints Management department for XXXX XXXX XXXX XXXX, after filing the dispute Experian updated the balance through XX/XX/XXXX. XXXX XXXX has continued to investigate but finally stating the issue is not theirs but Experian 's. As I explained to XXXX XXXX today, XX/XX/XXXX, I will continue to review my credit each month and call XXXX XXXX to have them investigate the issue and file disputes with Experian. However, this is a FCRA issue and someone needs to get it straight. 

However, Experian doesn't appear to care about it being a violation because they still haven't updated my report as of XX/XX/XXXX at which time I filed another dispute. 

Your assistance is required since I not only view this as a FCRA issue but a discriminatory act by XXXX XXXX to keep my credit score lower and thereby having credit denied to me. My Experian score is approximate 50 points lower than XXXX  and XXXX scores. Your assistance is required immediately.

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 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
We bought our home in XXXX of XXXX. The loan servicer for both the primary loan and the HELOC was Flagstar Bank. On XX/XX/XXXX, I received a letter from Flagstar that our mortgage was being sold to XXXX XXXX ( XXXX XXXX ), effective XXXX XXXX XXXX The letter further stated that all ACH/auto-debit payments would be canceled after XX/XX/XXXX. Per the terms of the goodbye letter, I set up payment arrangements with XXXXXXXX XXXX  and made my XXXX mortgage payment. I later discovered that Flagstar debited my bank account on XX/XX/XXXX for this mortgage they no longer owned ( a fact not discovered until after I set up my XXXX XXXX payments and nearly caused my account to overdraw ). Several people I spoke to at the bank, including XXXX XXXX in the Office of the President admitted that they made a back office mistake. However, instead of refunding the money back to my bank account they instead, without my permission, wired the money they illegally took to XXXX XXXX, causing me to double pay my XXXX mortgage payment. When confronted with this, they told me that I had to be the one to try and get a refund from XXXX. I pointed out to them that I did not authorize this payment or sending it onward and that furthermore, it was not my responsibility to fix an error that they themselves admit to having made. I was basically told " Too bad. The money is gone '' and that they would not assist me further.

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 2021-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
I originally have a personal loan through loanatlast.com. I did a XXXX search to login to the main site and at the top of the page was loanatlast.com.co. I did not catch the. " co '' and therefore clicked on the link. To login it asks for your phone number and social security for password. After I realized that it did not log me in, I was suspicious. So as I was reading more I realized they were impersonating the original loan company and therefore just captured my phone number and social security number. 

I tried to dig through to get contact information, but nothing they have stated on the main site does not contain legitimate contact information : Contact Information : Company name : Loan At Last Email Address : XXXX XXXX XXXX XXXX XXXX INFORMATION FOR ISPs : Website : www. Loan At Last Company name : Loan At Last Email Address : XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: CA

Complaint narrative:
I lost my XXXX XXXX debit card, so in the interim while waiting for the replacement card, I bought a prepaid card to pay bills online. I activated the card XX/XX/2021 with a {$300.00} balance and attempted to use it to pay bills online. It was declined. When I called NetSpend, they had me verify who I was but listing a number of previous addresses, ppl known or not known to me, and phone numbers. Once I did this, she told me the card was now active and ready to use. I attempted to use online a second time and the same thing happened. I called customer service again and was told I would have to do the same thing. When I explained that I had already done this, he then told me I would have to mail in documents proving who I am. DL, SS #, utility bill - everything anyone would need to use my personal information for identity theft. I asked why if I have a card that I put money on, do I have to jump through all these hoops to use it? He said it was the only way and the call was disconnected. The 3rd time I called I was told that the card could only be used in stores and not online. I attempted to do that and the card was declined. The 4th time I called I told them to cancel the card and just mail me a check for my money. He told me someone would call to verify my mailing address. That never happened so I wrote them an email on XX/XX/2021 explaining my situation and provided my mailing address for the refunded amount on the card which was still {$300.00}. They replied by email and told me to call customer service. It's a joke! They should not be allowed to keep my money and I want it back and them out of business. I'm sure I'm not the first person to complain about NetSpend pre-paid debit cards.

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 2021-08-20 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: FL

Complaint narrative:
I have called and submitted a dispute with an agent at Equifax and due to a system error they weren't able to assist me with this matter that I also mailed out my personal information attached with an identity theft report. I have not received any updates or anything verifying this fraud account and I would like further assistance for this matter. Please help me investigate this matter further and getting this account removed from my credit report. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX I called Chase to set up auto payments beginning in XXXX. The csr said since the payment was due XX/XX/XXXX it wouldn't be enough time to do an auto payment for XXXX. She said I had to pay her on the phone with a check. So I canceled the one time payment for XXXX, set up auto pay to start in XXXX and paid her with a phone check. That payment was processed for XXXX. On XX/XX/XXXX Chsse took a duplicate payment of XXXX. I called Chase on the XXXX and said give the money back. The csr verified it was a duplicate payment and said the XXXX would be in my account in 3 business days on the XXXX. Chase failed to return it on the XXXX. I called on the XXXX and several supervisors said they see I should have gotten it. Had no answers as to whether they would every process the refund. Had no answers asto why they continue to wrongly hold my money. Everything is " we don't know '' anything about anything. We don't know if you'll ever get it. We just don't know anything other than you are entitled to have it back. Whenever the mood strikes us. They said they will not give me the same money they would charge me if I didn't pay them til I felt like it. They said I will never get an extra dime no matter how long they choose to not refund it while THEY make daily interest on it and I can't pay my bills cuz they simply don't perform. Plus the customer service is nightmarish. They also said they have no idea who I should file a complaint with about them. I had to do my own research and call a Federal Reserve to get this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: NV

Complaint narrative:
I have a recorded call today of them implicating their attorneys when I requested them cease communication via all mediums especially my consumer reports. XXXX was very disrespectful and certain their attorneys would handle this in court. Also said because I sent a certified affidavit and cease and desist pursuant to 15 USC 1692c ( c ) that they do not have to stop communicating the debt to me which it says in that law clearly that they do. XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: ERC
State: CA

Complaint narrative:
sharing my personal information without my consent and reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE unable to issue RECONVEYANCE DEED OF SUBORDINATE LIEN in the amount of {$74000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
This morning I woke up to a notice that I had received a payment from someone via Paypal in the amount of {$4500.00}. While this payment was due, the payor was not authorized to make the payment to me via Paypal, and as such, the moment I saw the payment, I immediately refunded the full {$4500.00} to the person that had paid me. 

However, PayPal is charging ME a fee of {$130.00} for the {$4500.00} payment, which again, has been refunded. 

I submitted a request for Paypal to refund the fee, and they replied that their policy is to deny all fee refunds as of 2019. This is dumbfounding ; how in the world can they possibly charge one customer an exorbitant fee for another customer 's error??? 

As I've said, I've returned this person 's {$4500.00} ; all I want is the {$130.00} back -- which as far as I'm concerned PayPal stole from my account. I did not authorize or request this payment, I do not sell any goods or services on XXXX  or via Paypal at all. This fee should be refunded. 

Thank you for your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A {$4000.00} checking account bonus was due to be paid to me by XX/XX/2021. 
XXXX Opened complaint through email with local banker XXXX XXXX XXXX Received acknowledgement for investigation XXXX XXXX Emailed XXXX, stated she would send in a 2nd request XXXX Emailed XXXX, asked if there was a phone number I could call, given XXXX. 
XXXX Called XXXX, spoke with XXXX XXXX Stated she would investigate and give me a call the next morning. She mentioned the promotions department is overseas and doesn't respond until overnight and she provided her direct number XXXX. 
XXXX XXXX called me, stated the {$4000.00} is pending approval but the approver is out of the office.

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 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I started with a refinance on XXXX, gave the a {$500.00} good faith deposit on XXXX, after several weeks, and lots of paperwork sent to them, I got an appraisal on my home on, XXXX. 
Then after several more weeks, I get 4 loan estimates ( non of which was for what I had been told ) I was asked for more check stubs, and other paper work. 
My interest hold was running out on XXXX, and got extended until XXXX, and still no closing date. 
On XXXX I got referred to another person at Rocket, that was a " top specialist '', to help get this closed. It was him that came up with the inspection report? He said I needed to see page 4 and do the foundation repair before the loan could close. I only had until XXXX to get that done? They drug their feet for 60 days, and were only giving me 3 days? 
He said Rocket would withdraw the lone if I didn't, I had an appraisal not inspection, I don't have a foundation, and I couldn't get it done in 3 days. 
I know they will say I withdrew the loan and I don't get my money back, they never intended to loan my money they just didn't have the balls to tell me, so they came up with something I couldn't do, to say I did it. 
when I told the " specialist '' that he referred me Client Relations, I got one call from them that I missed and have not heard anything else from Rocket.

Company response to consumer: Closed with monetary relief