vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX of this year XXXX unaware that it was prone to car thefts my car keep getting stolen or the keep being attempts where someone try to steal it all in all Im stuck with the repairs cost thousands of dollars in repairs I cant keep up with paying the insurance because paying to get to and from work when the vehicle was stolen the 1st time I couldnt stay afloat XXXX  are expensive 5 days a week to and from work for nearly a month until they found the car and 3 weeks for it to be repaired after due to the overwhelming demand for parts due to high thefts for this model I am stuck in this loan with a car Ive have had for nearly 9 months and only have been able to drive it 2 of the 9 months Ive owned it total it was just attempted to be stolen again today window busted steering column destroyed again yes the immobilizer prevented them from getting it but the repairs are becoming extremely expensive XXXX shouldnt leave customers stuck with this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: CA

Complaint narrative:
My payments were to be XXXX XXXX  monthly when I signed the agreement. Upon first payment they took out {$780.00}. And now my agreement says {$780.00} a month for 12 months. I was never emailed the original agreement and I can not get it on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting 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: FL

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.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I had a mortgage with XXXX XXXX since XXXX. I fell behind and got a XXXX  XXXX in XXXX I didn't want to discharge my mortgage but my lawyer did. I was on time with my mortgage when I had the bankruptcy and after so they really didn't get anything from the discharge because I was on time. So I didn't want to leave my house and I made payments every month on time until forbearance happened with the code we got locked in. I was on forbearance twice because I'm sick and I'm still sick. The first time I came off they deferred it deferred the balance I owed. Second time I got a payment from HAF Grant and they paid 3 months worth I guess XXXX XXXX didn't Express to them that I still have the deferral amount which was the second mortgage and HAF Grant XXXX, would have paid that. XXXX XXXX XXXX said they were transferring me to their service department well I didn't know they were selling me to it debt collector that was XX/XX/XXXX while still in forbearance. They also reported me delinquent while on forbearance to TransUnion. I asked them after they sold me if they could update the credit report and let them know that I've been paying my mortgage all along and they refused which I think is illegal. I printed out 6 years of statements and payment information and since it's a transunion and they said they deleted their account from my site but it's still there it's closed and it still says delinquent I had them do an investigation twice to get rid of the delinquent and still on there. That's illegal according to the bankruptcy laws and the forbearance laws complaint about the new mortgage company. At my house for 22 years I always paid on it until the covid and I don't need to link one on my credit report and now it doesn't show that I paid my mortgage since XXXX. I really did a number on my credit and I couldn't get them to defer it and I couldn't get a equity loan either they refused equity loans before people went on forbearance and after.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I had a mortgage with XXXX XXXX since XXXX. I fell behind and got a XXXX  XXXX in XXXX I didn't want to discharge my mortgage but my lawyer did. I was on time with my mortgage when I had the bankruptcy and after so they really didn't get anything from the discharge because I was on time. So I didn't want to leave my house and I made payments every month on time until forbearance happened with the code we got locked in. I was on forbearance twice because I'm sick and I'm still sick. The first time I came off they deferred it deferred the balance I owed. Second time I got a payment from HAF Grant and they paid 3 months worth I guess XXXX XXXX didn't Express to them that I still have the deferral amount which was the second mortgage and HAF XXXX XXXX, would have paid that. XXXX XXXX XXXX said they were transferring me to their service department well I didn't know they were selling me to it debt collector that was XX/XX/XXXX while still in forbearance. They also reported me delinquent while on forbearance to XXXX. I asked them after they sold me if they could update the credit report and let them know that I've been paying my mortgage all along and they refused which I think is illegal. I printed out 6 years of statements and payment information and since it's a XXXX  and they said they deleted their account from my site but it's still there it's closed and it still says delinquent I had them do an investigation twice to get rid of the delinquent and still on there. That's illegal according to the bankruptcy laws and the forbearance laws complaint about the new mortgage company. At my house for 22 years I always paid on it until the covid and I don't need to link one on my credit report and now it doesn't show that I paid my mortgage since XXXX. I really did a number on my credit and I couldn't get them to defer it and I couldn't get a equity loan either they refused equity loans before people went on forbearance and after.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On or about XXXX XXXX XXXX denied my wire transfer when I talked to approximately 7-8 different people on the phone to restore my funds that was frauded. This business was very very rude, however the conversation ended with one of the employees hanging up on me. I don't have any money to waste I definitely learned from this but to have a bank I trusted with my money to deny and talk to me crazy like that hurts for real.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Unauthorized hard inquiry on my credit report from the companies below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent XXXX letter requesting documentations such as, XXXX. The original account number, XXXX. The original creditor, XXXX. The date the account was opened, XXXX. The date of my last payment, if any, XXXX. The amount of the original debt XXXX. An itemize statement documenting the debt amount you are attempting to collect, XXXX the purchase agreement. I requested those because another company is attempting to collect the same debt. They have failed to provide me with the purchase agreement each time I request, instead they are sending me statements. This is not ethical business practices, and they should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Grain Technology, Inc.
State: AZ

Complaint narrative:
Basically a few years ago I opened an account with Grain using their app which is only on XXXX they have been promising for years that it would be on XXXX  too but never happened. Once I no longer had an XXXX it became next to impossible to make a payment on time. They would notify me of a payment but I have reach out to them on their website because theres no phone number listed to call to make a payment and then they would always send a link for me to make a XXXX time payment after my due date so I was always late once I couldnt use their app to make a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I opened an account with XXXX XXXX in ~ XXXX XXXX, I was moving over funds from various online accounts and funneling it through XXXX XXXX account into XXXX so as to have my money in one location as well as at a bank with a local branch. My online banks saw the activity as possible fraud and declined payment on the checks already deposited to XXXX. I even spoke with their loan officer about ho I was going to do this and how to best rebuild my credit prior to moving the money. I received an email threatening me with police involvement for " check kiting '' if I did not contact them same business day. I did not see the email until the next day. When I reached out to the bank, the teller was rude, accusatory and threatened me again with the police. I owed a grand total of {$610.00}. I started to scramble to get the cash from my online accounts to make this right, meanwhile, they had the police dig into my bank account, harass me when I told him I was trying to fix the problem. I made a {$200.00} payment on XX/XX/2023, I told them I would get them the rest either as soon as I could resolve my online accounts or my student loan disbursement came in. I had no desire to take advantage of anyone. Again, the police called harassing me about the balance less than a week later. Finally I was able to pay off the remaining {$400.00} on XX/XX/2023. As a matter of fact I made a payment in the amount of {$410.00}. I asked them to CLOSE the account and send me a check for the over-payment. Instead, they reported my account as a charge off of {$400.00} on XX/XX/2023. They list the account as open, but charged off. I have asked them to fix this, to which they said on the phone they would, I have disputed with Transunion, but they never do anything about anything. This was NEVER a charge off, it HAS BEEN paid,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Someone used my information to purchase an item through affirm. I called affirm personally and told them the account was fraudulent and did not authorize any purchases. The representative told me that she was removing my information from the fraudulent account and was going to take care of the charges. They did neither. I did not make these purchases and i should not be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2023 i have disputes on bank of america by my debit card charge many times from XXXX aabout XXXX after that they closed my account and not sent notice or something else after 10 days send letter to mail box and tell my acounnt bank closed and cant reopen in the futher also give me another letter and tell should to give back {$620.00} from that dispute was to asked them about overdraft fee but didnt heard back from BOA Thanks

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 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Education Principle Foundation
State: IN

Complaint narrative:
My taxes were taken to pay a student loan that I never received schooling properly for. 
Brown Mackie College somehow had my taxes taken. 
I am eligible for debt forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had been employed through a company known as XXXX XXXX and XXXX XXXX. They were supposed to put funds into my bank account via direct deposit on XXXX but I was told by the bank I was part of the 1 % impacted by that " error. '' The funds hit my account a number of days later. About a week later, on the XXXX, the company put a redacted amount for the total payment made. They were able to take the money I had earned out of my bank account. I called the BOA about this and they told me I had to speak with the company about this money being taken out of my account. They could not give an explanation as to why they were able to take this money out of my account. When I asked if this can happen often they said this is a " one off '', however I have yet to recieve that payment for the company which is due to me for services rendered and BOA has been no help or resolution in the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
Someone Txted me about sending them money and they will send me double back. I thought about it then changed my mind. After I Said nvm he got mad, blew up my phone n somehow found a way to hack my account n send him money. He took everything out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I made a deposit on XX/XX/2023 I received a letter that the decision to close my account.And to make sure I understood. I was confused. So I called XX/XX/XXXX. And was asked if I deposited my XXXX  check I said no. I usually deposit in my other account premium bank. I always sign my check when I do it on line than out void. I was told by the first letter my funds will be returned it was in my XXXX they took money out of that check for maintenance I was told they closed my account made deposit on the 6 letter on the 8 so my only source of income separating from my husband I have no money no food. I couldn't even go on line. I went in talked face to face with banker week before XXXX  Tuesday but he said they sent out my check and expect by latest the XXXX XXXX Be we came for another letter they aren't returning it. They aren't supposed to keep my money XXXX. And was to! d twice by letter and person. Account XXXX. XXXX is XXXX. It was XXXX you take money that you freeze. But I can't even get food gas pay my bills this is extremely rude uncalled for two letters they sent that they were sending I don't have it they blocked my card froze my account but closed it first the other stuff bank of America did came after Thank you Sincerely XXXX XXXX. 
I hope this can resolve and I can buy food my animals are hungry.

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