vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian regarding a XXXX debt from the company affirm. I noticed this debt when checking my credit report. I informed Experian I was never associated with this company and this was identity theft. I proceeded to dispute this debt with Experian and also called XXXX to get details on the debt. I provided Experian and XXXX with a FTC identity theft and a police report. I was told by a representative from XXXX that the account was under investigation. On XX/XX/2022 I received notification from Experian that my dispute had been resolved and the XXXX debt would remain on my credit report. I was told to contact XXXX again regarding this matter. I contacted XXXX and I was told this account should have been removed from my credit report. Experian keeps reporting inaccurate information and refuses to rectify my issue. I was told that experian has not received any mail from me which I will attach to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: MO

Complaint narrative:
The credit reporting agency is in violation of consumer rights to privacy from third parties ( Reporting agencies ). In violation of 15 U.S. Code 6802. I OPT out. 
In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless 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 ; That disclosure was never received either electronically or a letter. I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ; and is explained how I can exercise that nondisclosure option.

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 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I signed up in branch for a Chase Business checking account. I was told if I made five transactions and kept a certain balance I would avoid fees and receive a {$500.00} bonus. 
I asked the banker if paying my chase credit card would qualify as a transaction and he indicated it would. 
Upon completing the transactions I did not receive the bonus, Chase says that the transactions I made do not qualify. I was misinformed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter is a formal complaint that you report inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( XXXX ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter is a formal complaint that you report inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.

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 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
Car was broken in to, and wallet was stolen. Someone stole my identity and created XXXX XXXX accounts. Called Enhanced Recovery spoke with XXXX XXXX ( Service Rep ) and XXXX XXXX  ( Supervisor ) they said they could not find me under my Social Security number. I told the company this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I have received ZERO communication from company Midland Credit Management and they have violated my rights. They showed up to my rental property and served papers regarding my debt to my Tenants violating my right to privacy. 

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

These have all been violated by the company attempting to sue me for this debt in which I have received no communication on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm has not acknowledged that the item was returned and they continue to charge me for the item .. its is hard to communicate or get in touch with anyone who can help. I have returned the item and no longer have the item that was purchased originally from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: MOHELA
State: CA

Complaint narrative:
I need help with this student loan MOHELA ACCOUNT The MOHELA/DOFED student loan account XXXX is the same as XXXX XXXX. That XXXX account is already paid for in full. 

This is the same student loan that I have had with XXXX before. 
I NEED Mohela to remove that account because I do not owe anything to them Mohela needs to report to the credit bureaus that the account is close paid in full. 


MY EMAIL ADREES IS XXXX Let me know your answer via email. 
Thanks XX/XX/2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was told the will update the records but nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: GA

Complaint narrative:
XXXX with Carvana LLCXXXX Was told by Carvana Rep I must file paperwork for a refund of sales tax collected with my local tag office. I went to the Tag office and was told the refund must be processed by the dealership i'm 100 % permanent & totally XXXX veteran. Per GA state law I am entitled to sales tax refund on 1 vehicle that has the XXXX veteran tag. 
Carvana now says it is too late for them to process the refund and my local tag office says CARVANA must submit the request for the refund.

Carvana should correct their mistake/bad instructions and request my sales take payment of approximately {$3700.00} be refunded the XXXX XXXX GA XXXX XXXX XXXX XXXX Ad Valorem Tax on Vehicles XXXX XXXX XXXX This exemption applies to either the annual property tax or the title tax, whichever is applicable. 

This exemption is for veterans who are verified by VA to be 100 percent totally and permanently service-connected XXXX and veterans rated unemployable who are receiving or who are entitled to receive statutory awards from VA for : ( 1 ) loss or permanent loss of use of one or both feet ; ( 2 ) loss or permanent loss of use of one or both hands ; ( 3 ) loss of sight in one or both eyes; or ( 4 ) permanent impairment of vision of both eyes to a prescribed degree.

The exemption is granted on ONLY one vehicle the veteran owns and upon which the free XXXX Veteran ( DV ) license plate is attached. Veterans who qualify for the XXXX XXXX or XXXX XXXX XXXX specialty license plates are also exempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I sold the vehicle to XXXX of XXXX on XXXX first, the payoff check to Upstart ( the lender ) cleared XX/XX/2022. I received an email from Upstart stating the loan was paid off. It is now XX/XX/2022 and they STILL are not sending the title or a release of lien to myself or XXXX of XXXX so they can pay me what they owe me and sell the truck they paid for in XXXX. 

XX/XX/XXXX - check cleared Both myself and XXXX XXXX started calling end of XXXX to see where the title was. Upstart lending has not once called us back or followed up. They kept saying we needed to be patient and stop bothering them. Then they said they had 8 weeks and the hard deadline for getting it to us was XX/XX/XXXX. Still nothing. I called XX/XX/XXXX and spoke AGAIN to XXXX at Upstart and he said he was sorry for my frustration but i needed to be patient. I FINALLY got the number for XXXX XXXX, XXXX said they process the titles for them. I called XXXX XXXX XXXX. XXXX has been instructed by Upstart to not talk to their clients. 

XX/XX/2022 - STILL no title or release of lien OR indication of when it will be coming

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have spent countless hours on the phone and online attempting to make payments on my multiple Comenity Bank credit cards. Problem never gets resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My mortgage was switched from XXXX XXXX to Freedom Mortgage XX/XX/2021. Freedom said my insurance went up & is charging me around {$200.00} more for escrow. However, when I check the paperwork, neither my homeowners insurance, property taxes nor their FHA payment has gone up enough to charge an extra {$200.00} a month. 

I questioned Freedom, and they sent me a loan history, but I still can't see where the extra {$200.00} is needed. I'm a college graduate majoring in XXXX, but I'm still having trouble trying to see where the extra {$200.00} is warranted. 

I have contacted an attorney who is experienced with Freedom Mortgage & they don't seem to have a great reputation ( even according to your archives ). However, they want {$1000.00} up front. I don't mind paying an attorney if I can see that Freedom is in error, but I just can't see from the loan history they sent me where the extra {$200.00} charge is from.

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 2022-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Surprise medical bill. Tried multiple times to resolve through XXXX XXXX but to no avail. XXXX 's billing service has now sent me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Dept was charger off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Multiple fees that they call overdrawn checking fee and overdraft service fee They are charging multiple fees for the same items. They are charging fees even if the account is brought to a positive balance the same business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NY

Complaint narrative:
I contact the credit bureaus to do a review of credit report they did, but i did research and found improper even after they did review, the account numbers, in accordance with the fair credit reporting act XXXX XXXXt # XXXX XXXX, XXXX, XXXX are found to be improper, and violate my rights 15.u.s61681 section 602A section 2 : it also states that a consumer reporting agency can not furnish a acct without my 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 non-monetary relief
Consumer complaint received 2022-10-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I contact the credit bureaus to do a review of credit report they did, but i did research and found improper even after they did review, the account numbers, in accordance with the fair credit reporting act XXXX XXXX  # XXXX XXXX, XXXX, XXXX are found to be improper, and violate my rights 15.u.s61681 section 602A section 2 : it also states that a consumer reporting agency can not furnish a acct without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My mortgage was transferred to a new servicing company, PNC. I had been paying an additional principle payment each month in addition to my mortgage. I called PNC as soon as the mortgage was transferred and requested that no additional principle payment be debited from my account. I was asked to complete forms to indicate the change and I did. I called back and confirmed that only the mortgage payment would be debited from my account but the bank withdrew additional funds. I called again and requested that the bank cease withdrawing additional funds from my account, only my monthly mortgage payment ( the amount due, nothing else ). The bank told me to complete more forms. I have done that. I was told that there would be no additional withdrawal amount and yet the amount schedule is larger than my mortgage payment. I have contacted PNC multiple times to remedy the situation and they have not made any changes to the automatic withdrawal. Again, I have completed multiple forms and made multiple requests but there has been no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
About 3 years ago, I opened up 4 CDS with Marcus by Goldman Sachs. When it came to maturation of the first threee that expired, I was notified in advance as per their policy. I chose to NOT roll them over. 

However, when ir cames to the last one that had the longest duration ( 3years ). I was never notified 30 days prior as per policy. I forgot! Instead, I received email confirmation that it was rolled over on the XXXX of XXXX. 

The first representative I reached out to alluded that I was not notified and stated that I received monthly statements to that effect. I was told that someone would get back to me in 2 business days. No one did. 

I reached out again. This time the representative claimed I was notified as per notes on her screen. When I requested transcripts of the email be sent to me she deflected -- I promised to drop my complaint if there was evidence of notification via email. 

I was informed in all cases that I would have to be assessed an early penalty. This is not right. It was their fault. 

I believe it was all done deliberately. They had observed I was not renewing. ( I wanted to take advantage of subsequent Fed Rate Hikes. ) It represents a breach of contract and is shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XX/XX/2019 has violated my rights. 15 U.S.C. 1681 section 604 A States I have rights to privacy 15 U.S. C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation