vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Amerifund Home Mortgage LLC
State: NY

Complaint narrative:
I applied for a mortgage asking specifically asking for a no ratio loan. the banker XXXX XXXX at amerifund home loans confirmed he could get me such a loan and sent me a term sheet. the term sheet required that i wire him a deposit which i did. After much follow up he came back saying he could only get me a loan if i provided a XXXX XXXX XXXX  statement. I told him that i was unable to. he replied he has another option for me then at much much higher rates and fees which i was not interested in. he then told me my deposit was forfeit and he was keeping my money since i didn't send him the documents he asked for. please help!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE and XXXX DEPARTMENT OF EDUCATION have both violated Consumer Law. ( Title15 USC 1681a subsection 603 ( 2 ) ( a ) ( 1 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. I didn't authorize them to report late payments or utilization. Please promptly have them remove these items off my credit report across all XXXX  reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Southwest airlines credit card associated with Chase Bank to take advantage of {$200.00} credit toward my trip to Hawaii and my application got rejected. I have over 750 credit score as per the XXXX credit bureau this morning and over {$350000.00} annual income and I have been banking with Chase Bank for over 10 plus years and my credit utilization is 28 % as per XXXX  snapshot attached. 
I felt like Chase Bank doesnt take care of their customers at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: GA

Complaint narrative:
Transunion is reporting unverifiable information to the public which is damaging my character and well being and quality of life, I have been going back and forth fo years now for them to do their job correctly. I have an unauthorized inquiry XXXX XXXXXXXX XX/XX/2021 & Account XXXX XXXXXXXX XXXX that needs to be removed. I have attached all supporting documents. 
Please be advised, our records indicate XXXX XXXX contacted the XXXX XXXX XXXX directly via phone on XX/XX/2021 alleging the inaccurate reporting of bankruptcy records listed in his file. XXXX located the bankruptcy records he is questioning and initiated a dispute of the said records on his behalf. This reinvestigation was resolved on XX/XX/2021. During our reinvestigation, XXXX removed dismissed bankruptcy records case numbers XXXX, XXXX, XXXX, and XXXX from consumer reports prepared by XXXX XXXX XXXX XXXX XXXX. A resolution letter outlining these results along with an updated consumer report was mailed to XXXX XXXX 
XXXX directly for his review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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:
In accordance with the fair credit Reporting act Collection account : Creditor : XXXX XXXX Amount : {$1200.00} Account number:XXXX Date opened : XX/XX/XXXX Account type : Collection Creditor : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Account numberXXXXXXXX Date openedXXXX XXXXXXXX, XXXX Creditor : XXXX XXXX Account type : Collection Account numberXXXX Date openedApr XXXX, XXXX Account type : Collection Creditor : XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX  purpose.

XXXX

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Date of XXXX XXXX XXXX My Barclays XXXX was charged by a hotel in error in the amount {$1000.00} who have refunded the money back on to my card and Barclays have yet to credit back to my account. I have reached out on numerous occasions to the customer service and have gotten nowhere. From the look of these reviews, it seems to be an ongoing issue. XXXX XXXX XXXX

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ 2022 2022

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 2023-02-08 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
happy day Could you please assist me with my PayPal account? 

I frequently provide hosting services and digital goods through my PayPal account. 
Using the PayPal checkout button on my website, which is linked to my PayPal, I collect payments from customers. 
I also make a daily withdrawal from my account after the transaction. 
I recently received a message from PayPal saying, " You can no longer do business with PayPal ( Ref ID - XXXX ). '' I initially thought this was a system issue. 

I've completed every selling deal I've started, so I have a good track record and no problems. 
In relation to my verified PayPal account, there are no open cases. 
I utilize it professionally so that customers can pay me through the PayPal checkout on my website. 

Please help us to solve this problem. 
Please examine and restore my account as well so that I can continue to use it for business. 
I am prepared to present any relevant proof, including copies of the websites where the money came from and images of my financial activities. 
Help would be appreciated as My Paypal account was essential. 

Hopefully, I can rely on you for this. 

I'm incredibly grateful for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed up for tutoring with XXXX XXXX  I signed up for a few tutoring sessions. They fraudulently overcharged my account by {$1500.00}. I reported this to my bank. Capital one froze my account, informed me that they are getting rid of me as a customer and keeping my money in both my savings account and checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Three credit cards were opened in my name. 
XXXX XXXX XXXX XXXX for {$500.00} XXXX XXXX for {$3200.00} XXXX XXXX for {$330.00} I have reported these cards to the perspective companies. The accounts have been closed and are under investifation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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:
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. Account : XXXX XXXX  account # XXXX 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 15 U.S.C 1681c. ( a ) ( XXXX  ) 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 ) ( XXXX  ) 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 non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: AE

Complaint narrative:
we have a bad experience with Hyundai Motor Finance for the past XXXX  months since weve been trying sell both of our vehicles. Every time we call. They havent update our address for the past XXXX  years, even tho my husband calls them every month to make a car payment ( since thats the only way to do because we are overseas ) and he gives them a new address. We call them every XXXX days for the past XXXX weeks and every time we get information to request a copy of the title was put in the system and we will receive it in XXXX to 5 days, but never receive it The same is about when we ask to get a permission to sell letter. Now we called and suddenly they dont even know that our car is overseas and tell us that we havent payed since XXXX, which is not true. 
Every time they push us away, give us wrong information etc.. 
We are overseas because my husband is in military. We are trying to sell both of our cars ( XXXX to dealerships and XXXX to a person who has money ready to transfer to pay off car ), but in XXXX to do so, we need a copy of the title. The Hyundai finance company doesnt want give it to us since we havent payed the car off, but we dont want original, we just need a copy of it, but the thing is we just got the title of the car that we are selling to the dealership without them paying it off yet, but we are not able to get XXXX for the XXXX  car. 
This is very stressful situation and they are useless and we are about to loose potential buyer and we wont be able to keep paying car off.

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 2023-02-08 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX

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 2023-02-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Name Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2023 I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

Account name XXXX XXXX XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove ti from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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:
Account XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2023-02-08 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 The Bankruptcy that is showihng on my credit has violated my consumer rights. 

16 USC 1691 States I have a right to privacy.

16 USc Section 604A 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 2023-02-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation