vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Subject Chase Bank Right to Cure Letter I recently contacted customer service on XX/XX/XXXX regarding my auto loan account. I was informed that a right-to-cure letter has been sent, indicating a requirement to pay both the XX/XX/XXXX and XXXX XXXX  payments, totaling {$1500.00}, by XX/XX/XXXX. As of my call date, XX/XX/XXXX, I was informed that my account was 24 days late. 

I am seeking clarification on the discrepancy in the time frame provided for payment after the XXXX  of XX/XX/XXXX. Why I was given four days to settle the outstanding amount, and I would appreciate more insight into this matter on if this is legal. 

To provide context, I made a payment of {$710.00} on XXXX and arranged to make the remaining XXXX  payment of {$710.00} on XXXX 

During the conversation, I was also asked about the reasons for the late payments. I openly admitted that we pay late and are aware of the associated higher interest rates. 

I seek clarification on the calculation of the days past due and an explanation for the seemingly disproportionate impact on my account. Additionally, I am interested in understanding the basis for the right to cure an account 35 days late. 

I appreciate your prompt attention to this matter and look forward to receiving clarification and resolution regarding my concerns. Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This account is not mine and are fraudulent. I have submitted a complaint to the FTC, CFPB & my State Attorney General to have this account removed from my credit report ( identity theft report attached here ). The address they have on file is not my address and I never lived there. This account needs to be removed IMMEDIATELY. Transunion and XXXX funding are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items 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 non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with 15USC 1681 ( a ) ( 4 ) my rights have been violated. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with 15USC 1681 ( a ) ( 4 ) my rights have been violated. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to 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 2024-01-10 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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB Collection is XXXX XXXX XXXX REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
{$580.00} balance transfer, sent digitally to my account. It cleared & was charged to me. But never made it to the payee. Was sent to wrong bank, they also never received anything & was willing to refund if located. Citi bank would not refund my account and is holding me accountable for this transaction. It was done incorrectly & the other account was never paid either. A representative performed this balance transfer via phone & was done incorrectly. No accountability has been taken & XXXX stuck with the {$580.00} in addition to the account never paid via balance transfer. Citi claims since it cleared it was resolved. The funds never paid off my account & never showed up. No one can locate the money. Ive called & called. Citi offered only solutions of me calling again & again to the payee, they refused to give them additional information they needed to do their own investigations as well when i did call them. Non complaint to their requests. Another investigation after there was already XXXX for 30 days. No refunds or credit was offered to me & they said i was responsible for figuring it out & paying it back.

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 2024-01-10 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: NJ

Complaint narrative:
Hello, On XXXX I sent Experian the attached disputes. On XXXX Experian sent me a stall letter via email that I have attached not preforming the requested investigation I have requested. On XXXX I responded to Experian with the attached letter and was sent another stall letter via email XXXX still not performing the investigation. The 30 days from my initial request XXXX has pasted. 

Can you investigate this? Many codes from the FCRA regulations and federal laws are being broken. Imagine how many people they are doing this yet and this should not be allowed to continue. 

I have also attached the tracking numbers for my documents.

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 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
Mohela owes me a refund for the overpayment of student loans for my PSLF. I was forgiven last summer, Mohela representatives have told me over the phone that I am deserving of a refund and I shouldve gotten it in 60 days or something and recognize that I havent. 

Thats where the good will ends. You call and are told you will be talking to a professional but the professional has been told to pretend they are in training whenever someone asks about getting a refund owed to them. If you ask for a supervisor or someone who knows what they are doing they put you on hold for upwards of XXXX minutes. They XXXX do this a handful of times then give you a varying number or reasons they cant give you a refund. ( I have talked to at least XXXX people personally who have heard these excuses and been given the run around ). 

XXXX. You have to resubmit paperwork- no I dont. Its all on the website, the situation is visible to everyone involved but they want to keep the money instead of refund it. 

XXXX. This aint our job you have to call the department of education XXXX this is also an untrue. Mohela handled every part of the XXXX process. They are paid by the government to do that. 

XXXX. We dont know why you didnt get it but we cant make it happen- this is probably true but they refuse to put you on the phone with someone who can. 

I think I made XXXX payments too many. The last payment I made was I think between $ XXXX {$570.00} a month. XXXX XXXX and that is a lot of money for my family who is both public servants raising XXXX children on public servants salary. 

Please help, its hard being XXXX person against a corporation who has built a structure to subvert the duties for which our tax dollars are paying them to execute so they can keep peoples overpayments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: Early Warning Services, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I requested a copy of my Early Warning Services consumer report. After reviewing the report is has come to my attention that Early Warning Services , LLC, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX are unlawfully selling and disclosing. 
no public personal information without my awareness or consent. My social security number, account numbers, banking history, and transaction history are being sold and disclosed with non affiliated third parties. This is a violation of the Privacy Act of 1974 which is punishable up to {$5000.00} per offense. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of that individual. According to 15 US Code 6801 each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXXnformation.15 US Code 6802 ( b ) states a financial institution may not disclose nonpublic personal information to a non affiliated third party, unless the institution clearly and conspicuously discloses to the consumer, in writing or in electronic form, or other form permitted by 15 US Code 6804, the consumer is given an opportunity before the time the information is initially disclosed to direct that such information not be disclosed, and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 US Code 6803 makes it mandatory that each financial institution provide a clear and conspicuous disclosure to such consumer in writing or electronic form. 15 US Code 6805 names the Consumer Financial Protection Bureau as the enforcer of the above referenced codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/, I received a letter from BMO 's Enterprise Fraud Management, requesting that I visit the nearest branch with my ID, SSN, and Utility Bill to verify my identity. The letter stated that my deposit account would be closed on XX/XX/, if I failed to comply. 

However, I want to clarify that I have never had any association with a bank named BMO, nor have I opened any account with them. Therefore, I immediately contacted BMO to report the account as fraudulent. Since then, I have had multiple conversations with four different representatives from BMO on XX/XX/XXXX and XX/XX/XXXX. 

While speaking with these representatives, I have been given conflicting information regarding the status of the account. Some have assured me that the account is closed, some have indicated it is in the process of being closed, and others have given varying explanations. They have also advised me to report this incident to the local police department and the Federal Trade Commission ( FTC ). 

In accordance with the guidance provided by the FTC, I have requested that BMO : 1 ) Confirm in writing that the fraudulent account is not mine. 
2 ) Verify that I am not liable for the account.

3 ) Confirm that it has been removed from my credit report. 

Despite these requests, BMO has refused to provide the requested documentation. Depending on whom I speak with, I have been informed that they either do not provide such letters or that they will only do so if there is recent activity on the account. This leaves me in a position where I must trust BMO 's verbal assurances that the necessary actions have been taken, with no tangible protection in case issues arise due to their failure to verify the account properly.

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 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I tried to buy a XXXX XXXX on XXXX marketplace..I send the seller {$1000.00} on XXXX XXXX and they never send the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NY

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.

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 non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I see multiple accounts on my report that are inaccurate and the credit bureau are violating my rights by not properly verifying and providing documentation of method of verification for my dispute. I make this request pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) and 15 USC 1681 a2ai of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

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 XXXX XXXX XXXX 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 2024-01-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
When my mortgage company Mr. Cooper, changed my mortgage servicer to XXXX XXXX, I set up auto pay with the new servicer. The auto pay deducted my mortgage payment every month for well over a year. Without notice, in XXXX, the mortgage servicer didn't deduct my payment affecting my balance and assessing a XXXX late fee. I never canceled auto pay. All the servicer will say is that my auto debit was disabled. No explanation. And they will not allow me to re-enable it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have hard inquiries reported on my TransUnion credit report ( I opened an auto loan on XXXX and I specifically told the dealership ( XXXX XXXX XXXX XXXX XXXX only to pull my credit twice and stated to which companies : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

The companies below are reporting hard inquiries I strictly was unaware of and under no circumstances did not approve of. I have mailed each company letter requesting deletion as I did not approve of and is negatively impacting my credit report. I also mailed a letter to TransUnion requesting deletion as I did not approve of it. No action has been taken. 

XXXX ) XXXX XXXX - XXXX XXXX XXXX- XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
On XX/XX/XXXX XXXX, attempted to use an American express reward card ( amexreward.com ) and is continuously declined across a variety of online merchants ( XXXX, XXXX, XXXX  etc. ). I contacted the company and they indicated they don't see the reason why it is declined and to " try another merchant ''. 

I live in a rural area and do not have access to a physical store to purchase these items, and seemingly can not use the card for any oneline purchases.

Company response to consumer: Closed with monetary relief