vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: CA

Complaint narrative:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.

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 2023-04-13 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo XXXX  # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-13 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: FL

Complaint narrative:
I have attached an FTC report with 2 fraudulent accounts and fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
My wife and I have a saving and checking account at San Diego County Credit Union at XXXX, California. On XXXX XXXX  we made a {$50.00} deposit and got a receipt, it showed a balance of {$56.00} in the checking and {$11.00} in the savings before the deposit. 
I told the teller that was impossible because we haven't made any withdrawals in month. The teller went to the computer and told us have been paying for a Accidental Death And Dismemberment Insurance Policy. I said we did not have a policy and how can they just take money out out of our accounts with out our permission. My records show that that XXXX sent us a mailing stating that because we had an account with them that we were eligible to get a free {$3000.00} policy all I had to do was to sign the form and send it in so I did. The insurance company 's is XXXX XXXX. I called them and they refunded me one payment of {$90.00} after several weeks. I called them back to tell them they still owe us {$90.00}. After some weeks I received a letter dated XX/XX/2023 they want me to fill out a form and have it notarized. I'm not going to do this because it seems suspicious to me. I feel that we have been set up and if so how many people have been taken advantage of. I think that XXXX is responsible letting this happen to us and should make our accounts hole again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I obtained secured Capitol One credit card XXXX 2022 with a security deposit. Then obtained regular Capitol One " Quicksilver '' credit card in XXXX 2022. Unfortunately, i had to file bankruptcy in XXXX of 2022. It is almost a year later and Capitol One still shames me by reporting the wrong high balance on my credit report. After dispute they corrected one of they of the line items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had 4 late payments 15 student loans on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime emailed me & locked my account due to a deposit made into my account from XXXX. When asked to email verification they still havent opened my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I disputed charges on a Chase business credit card directly to Chase back around XXXX. Chase removed as fraudulent a number of those charges, that were in fact unauthorized. I repaid the remaining balance understanding that the payment was in full and complete resolution of any balance owing on the card and that there would be no adverse affects to my credit. The card was closed out and no negative report showed up on my credit. Fast forward to XXXX, I applied for a credit card at a business - whose financial institution happened to be Chase- and I was denied. Not only was I denied, suddenly a credit report showed up that the earlier card had a charge-off amount the roughly equaled the amount that had been previously deemed fraudulent and waived. How convenient of Chase to wait years, and then suddenly break their agreement to me and slap my credit with a negative report.

I was lied to by Chase- they committed fraud to induce my agreement to pay off the credit card by representing that my credit would not be affected - and then hit my report 3 years later with a bogus report that they had charged off some amount, in violation of their explicit representation to me that they wouldnt if I paid the remaining balance. 

I disputed this with XXXX, but they havent done due diligence or conducted a thorough investigation and forced Chase to recant - even though they have clear record that the card reported didnt have any negative consequence on my credit UNTIL XXXX 

I tried to open a few disputes before, as I did just now, and less than a day later they close it. XXXX is damaging my ability to qualify for credit or loans elsewhere, by reporting the fraudulent reports that were sent by Chase YEARS AFTER A RESOLUTION HAD BEEN REACHED- but XXXX wont thoroughly investigate or even ask the simple question why is this being reported now, so many years later? This is reckless on the part of XXXX and fraud on the part of Chase. Please help! 

PS, they have all the phone calls recorded and I discarded my materials related to this card, including notes of my calls, after the resolution because I relied on Chases representations to me, and I was able to confirm those representations by seeing at least two years of no negative consequence on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
I am sending this letter to request your assistance with a collection agency that appears to have a long history of consumer abuse. Example : there is a class action lawsuit against them in South Carolina XXXX # XXXX dated XX/XX/XXXX and a staggering amount of complaints online. 

I have reached out to the creditor but have not received a response. I have been declined a request for housing because of a recent collection account placed on my credit that did not have the opportunity to validate. Hillcrest Davidson and Associates is reporting a collection for an account that has never been validated, I have never heard of either the collection agency or the original creditor being reported. They made no attempt to validate this. Instead, they instantly showed on the report that they opened a collection in XXXX of XXXX. I sent an email but no response. This single account violates several laws including but not limited to the CFPB Regulation F, FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan XXXX FDCPA Section 807 ( 8 ), FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan XXXX FCRA Section 623, FCRA Section 605 ( c ), and FDCPA Section 806. The account was for XXXX XXXX and I have no idea how that can be. I looked them up and they appear to be an XXXX XXXX. I have had XXXX for quite long time, and have no issues with them. That is the only alarm system I am aware of. 

I requested they provide me with the following : What is the money you say I owe is for. 

Explain and show me how you calculated what you say I owe. 

Provide me with copies of any papers that show I agreed to pay what you say I owe. 

Identify the original creditor. 

Prove the Statute of Limitations has not expired on this account. 

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I informed them that if they had reported invalidated information to any of the XXXX major Credit Bureau XXXX XXXX, XXXX, or XXXX ), said action might constitute fraud under both Federal and State Laws. 


I asked them to please remove the account in question until such time as this is resolved. By refusing to do this they are defaming my character and causing me financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC
State: CO

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX Village Capital XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX Re : Request to Review Basis for XXXX  of Loan Modification Account Number : XXXX Subject Property : XXXX XXXX XXXX XXXX, CO XXXX. 
Owner : XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Village Capital ), is refusing to follow the guidelines pursuant to HAMP. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although Village Capital is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.

Therefore, because Village Capital has been the designated loan servicer, I am asking that you look into the following issues : Did the servicer give me a fair opportunity to be evaluated under HAMP ( and all relevant laws ), because my application was denied for lack of documents despite SPS previously acknowledging that my loan modification/RMA packet ( packet ) was complete?

Although there is no pending sale date, is Village Capital intentionally declining to review my subsequent packet?

For what reason ( s ) am I ineligible for co-signer release? And, if I am not truly eligible, can you help me understand the reasons why I would be deemed ineligible?

In order to determine if I am eligibleand because I would like to receive the documents requested per a qualified written request ( QWR ) I had sent to Village Capital. The timeline to provide me documentation per the QWR has passed. Can you assist me in requesting the loan servicer to provide me ALL of the requested documents I am legally entitle to?

At present, there is no sale date on my subject property. From my review of the laws under HAMP, I understand that your office has the authority to investigate these types of matters and I am requesting the CFPB to assist me.

Thank you, and if you have any questions other concerns, please do not hesitate to contact me at the address set forth above. 

Sincerely, 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 2023-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
on XX/XX/2023 I sent out letters regarding inaccurate and unknown things on my credit reports to XXXX, XXXX, and XXXX. On XX/XX/2023 I sent a certified letter to Portfolio Recovery Associates and XXXX with no response from XXXX, I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ), plainly states 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 which means it needs to be deleted promptly. I demand these accounts to be removed immediately or I will file for litigation due to the stress this has caused me. My information has also been impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: MoneyLion Inc.
State: GA

Complaint narrative:
MoneyLion Acct # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIRSTBANK PUERTO RICO
State: ME

Complaint narrative:
FirstBank, XXXX XXXX, PR This has been going on for 4 months, 7 phone calls, and 3 e-mails. 
They just flat out refuse to get it right. 
At this juncture, I find myself wondering if an employee has stolen the disputed $ XXXX. 

In XXXX, I wrote a check on my LOC for {$8800.00} and deposited it in my local XXXX XXXX It was returned, unpaid, for " signature irregular, '' but charged to my account. 

Upon its return, needing the cash, I wrote a 2nd check for {$3800.00}. It was paid, but NOT charged to my account. 

The result is an erroneous {$5000.00} debt, higher finance charges, and an almost 100 point hit to my previously XXXX credit score. Proof of their error has been submitted multiple times, even including a notarized letter from my XXXX XXXX  proving their error, but the saga continues unabated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter out on XX/XX/2023 to XXXX, TransUnion, and XXXX. Here is my tracking number : XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

I sent another letter out on XX/XX/2023 to XXXX, TransUnion, and XXXX. Here is my tracking number : XXXX. However, again the credit bureaus said they completed the investigation and everything was 100 % accurate. 

Which is incorrect. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 

How did they complete this investigation? 

I sent another letter out on XX/XX/2023 to XXXX, TransUnion, and XXXX. Here is my tracking XXXX. 
I have requested the method of verification but I still haven't received a response. 

I even resent that letter out on XX/XX/2023 to XXXX, TransUnion, and XXXX. Here is my tracking XXXX. 
I once again requested the bureaus provide me with the methods of verification but once again I received no response.

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 2023-04-13 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I bought out the lease for my Kia XXXX XXXX in XX/XX/XXXX. I am yet to receive a title from Hyundai Capital America and have called them several times to ask for a status. They keep saying it is pending with NJ DMV and can not do anything to expedite it. The registration for my car has expired and I am unable to renew the registration without the title. The customer service agents ( especially XXXX at XXXX leasing ) are extremely rude and provide no helpful information. This has been pending for almost 9 months 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 explanation