vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2022-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
I am attempting to get a loan paid off in full in XX/XX/XXXX reopened and payments made refunded. I asked for a refund from FedLoan on XX/XX/XXXX and was told it was in process. This was the case when I called back a week later to confirm. On XX/XX/XXXX when I called to confirm again they said I would need to go to XXXX and that they had no idea why a refund request was submitted. I have spent 2 hours on the phone with Fed Loan Servicing trying to find out what's going on. They repeatedly sent me to my new servicer XXXX XXXX who would then send me right back to FedLoan. 

Today XX/XX/XXXX, I spoke to XXXX at Fedloan ( Id : XXXX ) who told me I should just " wait and see there's nothing anyone can do ''. I asked to be escalated and she escalated me to XXXX ( XXXX ) who told me that my paid of of loan was being transfered to XXXX because FedLoan didn't have time to process my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: TN

Complaint narrative:
This company has been contacted previously stating its to late to refile insurance, my claim is that the changes are not legitimate. The service provided is not reflected in the invoice. I have over billed and XXXX has paid out all debt owed and deductibles have been met. I did not authorize these charges and written proof with my signature has not been provided as requested. Pleased remove 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 explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in the process of buying a home. I had a complete name change legally. I updated that with all three credit bureaus. For some reason XXXX  different mortgage lenders have been unable to get a credit score or report from Experian. From mid XX/XX/2022 up until today XX/XX/2022 I have spoken with XXXX different agents at experian who have assured me that my name is updated and XXXX should be no reason why the lender shouldnt be able to obtain and score/report for me under my new name. This is unacceptable, frustrating, and has help up my family being able to get a home. Its despicable that this agency has continuously given me false information and still no resolve!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed account on my credit file which is currently closed and doesnt belong to me. The account was opened fraudulently. XXXX XXXX XXXX XXXXXXXX  I submitted a ftc report along with proof of my identification. The account was blocked from my credit report for the duration of the dispute investigation. However, I received an update for the account which stated it was verified and it would remain on my credit file. I was not provided with any proof of verification, which means this account XXXX XXXX XXXX XXXX  should not be on my credit report. IT SHOULD HAVE BEEN 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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I opened XXXX trust accounts at Truist bank, depositing close to {$5000.00} in each account. 
Shortly after I was told I had to open a personal account to have access to my online banking. I then opened a personal account. I started transferring funds from my other bank accounts to use Truist for all my banking needs. 
On XX/XX/XXXX, I deposited XXXX cashiers checks into my personal account : XXXX from my business account at XXXXXXXX XXXX for {$120000.00} and XXXX from my business account at XXXX XXXX for {$53000.00}. 
I was told that a hold would be placed until XX/XX/XXXX. On XX/XX/XXXX, I went into the bank in XXXX and was told my account was on hold by I believe his name was XXXX, not sure. We called Truist customer service stayed on hold, then the banker had to call another number and we stayed on hold, then I was instructed to call another number. Spoke with the lady and she mentioned something about a hold in the fraud department. I stayed on hold another XXXX minutes and then the phone hung up. 
I went into the branch in XXXX, spoke with XXXX, the only thing I was told was that my account was closed on the XXXX of XXXX and a letter would be mailed. I received the letter a few days later and it stated I would receive the funds within XXXX business days if funds where not collected at the branch. They would not let me withdraw the funds at all and it has been more than XXXX business days. 
I have called to no avail and have been on hold for almost an hour. I need my money now!

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 2022-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I believe that Monterey Financial ( XXXX ) engaged in deceptive and predatory lending practices which potentially violate the Servicemembers Civil Relief Act ( SCRA ), the Military Lending Act ( MLA ), the Consumer Leasing Act, and the Truth In Lending Act. The closed-end product lease I was given greatly exceeds the MLA 36 % limit on loans charged to military personnel. I was also not given a copy of the lease to review until requested directly on XXXX XX/XX/2022 ( attached as XXXX Contract ), several months after the lease had gone into effect, and initially I was given someone else 's lease documents ) attached as XXXX ). I was only given a verbal disclosure and a form to sign online but it did not include the lease information. Additionally, the provided lease document has my name and information but not my signature. Further, the XXXX tolling period for the Satisfaction Guarantee Buyout Guarantee did not account for time I was XXXXXXXX XXXX XXXX XXXX XXXX and I consequently missed this timeline by XXXX day. The lease also contains a binding arbitration clause which I believe directly violates the MLA and SCRA. I provided a letter to the company on XXXX XXXX ( attached as XXXX  Dispute ), outlining all this but was told my claim does not have merit. I have attached documentation to provide additional details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please do not close this complaint. This dispute is unrelated to complaint XXXX. Experian and XXXX were not listed in the previous complaint. 

I am filing this complaint against Experian and XXXX for failing to delete and discharge an inaccurate public record account from my report. They're stating I have a bankruptcy listed from XX/XX/2017. I sent them a letter demanding copies from the court showing this public record is valid. They did not send me the documents I requested and refuse to remove the account. I am frustrated and dismayed about this erroneous item on my credit report. I also found out from Representative XXXX XXXX of the House Select Subcommittee that Experian and XXXX have been discarding disputes they know violates the fair credit laws.This public record account is inaccurate, invalidated, unverifiable and questionable. Please ensure this account is deleted and XXXX 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 2022-11-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. 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
Consumer complaint received 2022-11-01 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: TX

Complaint narrative:
I have sent letters on XX/XX/2022 disputing these unknown information in my report, but I did not get any response from the bureaus. If they have investigated or even took action they should have sent me results but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a payroll check from my employer on XX/XX/XXXX of {$1700.00}. A hold was put on the check immediately and it stated the funds would not be available until XXXX. I contacted Chase Bank on XX/XX/XXXX and XXXX. They said they need to verify that the check has cleared. I contacted my employer whom contacted their bank on XXXX. The bank where the check was from said the check cleared on XX/XX/XXXX. Chase Bank has not lifted the hold on my check and customer service has not been helpful. There is no reason to keep the hold on my account when the funds are cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TN

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

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account 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 explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Filing complaint because Rushmore refuses to answer questions, I asked with clarity in way that is understandable. 
Questions Mortgage Insurance and mortgage issue In response to letter received XX/XX/2022 from Rushmore also there are errors and mistakes on Rushmore representative respond. Questions mainly not explained and answered concerning insurance issue, for example the statement : 1. Loan to value ratio of the loan is above 80 %. I have asked for the statement to be answered and explain several times.

Again, explain why there is a negative balance concerning escrow and why Rushmore is trying to take control of the insurance?

Above all, Rushmore is not our mortgage company. We are quite concern, is it true Rushmore is not the new owner of the mortgage? If not, remove Rushmores name from the Insurance policy. 
Next, no reason why Rushmore should have sent payment for our Insurance Policy to Travels XX/XX/2022 insurance was not due until, XX/XX/2022. We already had made arrangement and informed Travels with plan to pay the insurance, never gave anyone permission to pay the insurance, none our payments should go toward XXXX. Travels or any insurance Company Rushmores Insurance companies need be informed we are paying the policy. A deduction of {$100.00} is taking from the loan note each month for insurance fees. 

On XXXX XXXX. Your agent wrote and noted the loan to value is calculated by dividing the original loan balance by the value of the property value = 91 %. ( Please explain this statement ). 

Mistakenly on Rushmore employee or employees be halves I never state the Loan was paid I quoted FHA Loan was paid off, not XXXX XXXX XXXX XXXX, Rushmore, or XXXX XXXX. We havent been convinced who own the loan Debt Collector, or two mortgage companies. However, we are in the process of revealing true owner of the loan.

Rushmore Debt Collector and server, therefore what interest do a Debt collector have in our insurance?

FDCPA have laws Debt Collector must follow. I am sure laws also apply to servers. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Commencing on or about XX/XX/XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via bank wire, and through an intermediary named XXXX in the total amount of XXXX USD utilizing your services. 

On XXXX XXXX I spoke with the banks representative and got the information that my case is closed and that the bank is unable to return my funds as the account in the beneficiary bank is closed. 

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether BOA did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of BOAs custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether BOA promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether BOA was in compliance with its own policies and procedures ; ( v ) whether BOA owed duties to myself, what the scope of those duties was, and whether BOA did not uphold those duties ; ( vi ) whether BOAs conduct was unfair ; and ( vii ) whether BOA has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please do not close this complaint. This dispute is unrelated to complaint XXXX. XXXX and Equifax were not listed in the previous complaint. 

I am filing this complaint against XXXX and Equifax for failing to delete and discharge an inaccurate public record account from my report. They're stating I have a bankruptcy listed from XX/XX/2017. I sent them a letter demanding copies from the court showing this public record is valid. They did not send me the documents I requested and refuse to remove the account. I am frustrated and dismayed about this erroneous item on my credit report. I also found out from Representative XXXX XXXX of the House Select Subcommittee that XXXX and Equifax have been discarding disputes they know violates the fair credit laws.This public record account is inaccurate, invalidated, unverifiable and questionable. Please ensure this account is deleted and discharged immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX ran my credit and gave me a home loan inquiry on my credit. I am not searching for a home at this time. I am unsure how you can process a home loan application without checking identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: 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. 

XXXX  Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Child Support XXXX XXXX, CHild support XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX inquiry, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX data XXXX XXXX XXXX XXXX. Has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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