vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
I logged complaint # XXXX on XX/XX/XXXX and on XX/XX/XXXX Experian responded saying they would reinvestigate the complaint and respond in " up to '' 30-days. Well it has now been 32 days and they are in direct violation of my F.C.R.A rights. Now that they have failed to provide a resolution in the 30 day time period I demand the inaccurate reporting placed on my credit report by XXXX XXXX XXXX XXXX. I logged complaint # XXXX on XXXX XXXX XXXXXX/XX/XXXX and they sent a simple reply " we need more time to investigate '' on XX/XX/XXXX and no further response sense then. I do not care that CFPB gives up to 60-days to resolve a matter F.C.R.A says 30 days is sufficient. I have disputed this multiple times over several years to only get ignored by both the bank and credit bureau. I will proceed with legal matter if this is not deleted and a response is provided in a timely manner.

I do see where Experian sent the same request they always send to XXXX which is asking them to verify the debt, and yet again XXXX sent back a letter saying it was verified. 
I AM NOT DISPUTING THE DEBT IS MINE, I NEVER HAVE DISPUTED THAT FACT!!!! 
IT IS THE SIMPLE MATTER THAT XXXX LOGGED THIS ON MY REPORT AS CHARGE OFF, THE SAME MONTH THEY AGREED TO ACCEPT A DEBT REPAYMENT PLAN, AND THE SAME MONTH THEY RECEIVED THEIR FIRST PAYMENT VIA THE REPAYMENT PLAN. THIS SHOULD HAVE NEVER BEEN REPORTED AS A CHARGE OFF. 

I initially logged my CFPB complaint on XXXX XX/XX/XXXX XXXX even though they provided a brief response on XX/XX/XXXX the clock legally starts from the day I logged my complaint. So they are way over their time limit to provide a resolution. XXXX also mailed a copy of about XXXX or XXXX statements from XXXX, with no cover letter or explanation as to why I am receiving those ; So I am hoping their incompetent staff do not think that was a valid response, it clearly doesn't address my complaint. 

Also CFPB has failed to hold both the credit bureau and creditor responsible, I am perusing information on how to file against CFPB for their lack of assistance as well.

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 2023-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank acquired my home equity loan with the purchase of Compass Bank in 2022. The amount of delinquent mortgage payments are excessive. The bank is asking me to make payment on a lump sum amount with no explanation on origin of the amount. I asked the bank to validate the delinquent amount in relation to number of delinquent monthly payments showing dates of individual delinquent monthly payments with interest, late fees, and other fees. The bank refused to validate the delinquent balance and simply stated in its response to my request " that the loan is valid. '' The amount of the delinquent amount requested by PNC Bank is {$150000.00}, with no explanation on how it derived the delinquent amount. This amount equates to over XXXX XXXX  of delinquent mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX XXXX, I went into the XXXX XXXX BANK OF AMERICA location to cash a check provided to me by an account holder of this financial institution. In my attempt to cash this check, I was then refused service and discriminated against by XXXX, an employee, and XXXX XXXX XXXX, the XXXX of this location because I exercised my federally protected right to privacy as a consumer. 

Please reference the attached documents for additional details.

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 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: DriveTime
State: GA

Complaint narrative:
XX/XX/XXXX I reached out to DriveTime and requested the original car contract. The DriveTime car company told me that they sold the contract to XXXX a day after the car was purchased. XXXX had time to contact me and not 1 time did they make any attempt to do so. They mixed consumer credit with a cash transaction, which is illegal. A {$3600.00} down payment was given to DriveTime after they ran my credit. ( 15 u.s.c 1662 b ) down payment illegal ) They never offered or provided car insurance which is also something they are supposed to provide. Instead, they loaned me {$11000.00}. Then charged me {$7600.00} for finance charges and {$590.00} for XXXX XXXX insurance. Taking my total of {$10000.00} to {$22000.00}. They are operating with a false contract with forged digital signatures, which is also illegal. They have repossessed the car without a valid contract, which is also illegal. Since they sold the car contract to DriveTime, that now means I am paying for this car twice, which is also illegal. They never sent out paperwork for the right to rescind within 3 business days. ( 12 CFR 226.15 Right of rescission ) They sent a text message stating that they would repossess the car by XX/XX/XXXX but they got on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I requested help with my mortgage in XXXX of this year and I never received a b5 letter. I also submitted an information request for the following information : Please provide a comprehensive and detailed breakdown of various charges and fees being charged to my loan account, including but not limited to : 1. Escrow advance charges 2. Foreclosure fees and costs 3. Property preservation activities and associated costs. Please define and clarify what was done.

4. Valuation details and frequency 5. Attorney fees Force-Placed Insurance : Please confirm whether any force-placed insurance was placed on my property since you began servicing my loan. If so, please provide evidence that you complied with the requirements of Section 1024.37 of Regulation X, including the provision of at least two written notices before charging me for such insurance.

Early Intervention with Delinquent Borrowers : Please provide proof of your compliance with the early intervention requirements under Section 1024.39 of Regulation X. This should include evidence of your efforts to establish live contact with me by the 36th day of my delinquency and the written notice provided to me by the 45th day of my delinquency. Records of Communications : Please provide all records of communications between your company and myself since you began servicing my loan. This should include, but is not limited to, written correspondence, email exchanges, and notes or records related to phone conversations or other forms of communication. 6. Servicing File : In accordance with Section 1024.38 ( c ) ( 2 ) of Regulation X, please provide a copy of my servicing file, which should include the following : A schedule of all transactions credited or debited to my mortgage loan account, including any escrow account as defined in 1024.17 ( b ) and any suspense account ; A copy of the security instrument that establishes the lien securing the mortgage loan ; Any notes created by servicer personnel reflecting communications with me about my mortgage loan account ; To the extent applicable, a report of the data fields relating to my mortgage loan account created by your electronic systems in connection with servicing practices. 

My loan is a VA loan so I don't know why there is still a sale date scheduled. I also submitted a complete loss mitigation application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
This is XXXX complaint on this same topic since the company will not respond and its been 7 weeks since original CFPB filing and 4 months since my lengthy conversation with the company direct and promise to transfer incorrectly applies payments was never fulfilled. 
I have XXXX accts on my daughters student loan, XXXX in my daughters name : XXXX XXXX acct XXXX XXXX and one parent plus Loan in my name : XXXX XXXX XXXX acct XXXX XXXX, which I paid in full in XXXX. 
The agent at Aidvantage gave me the wrong acct number and therefore all the {$140.00} per month payments I have sent since that time have been misapplied to the acct ending in XXXX intended to pay my daughters acct. I co tuned these payments the entire time during COVID forebearance. When the forebearance was lifted, we received a notice she was last due which was first sign that the payments had been misapplied. 

Again, this is second CFPB filing since I have been completely ignored for 7 weeks. 

Kindly look in to this and ensure my daughters credit is not being negatively impacted and transfer the credits to her account XXXX XXXX with a reversal of later and interest accumulated since. 

Kindly handle my complaint? 
Its a little scary that the CFPB is not moving to resolve this. Really. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX check, written out to me for an unfortunate occur XX/XX/2019 auto accident, compel about {$5000.00} worth the vehicle repairs, was issue to me, and mine primary prospect attend Auto Body Mechanic ; Both names were printed on the check, although soon before, I did in fact, cancel the mechanic work performs regards the " primary shop mechanic '', and since there invoice for attention correct costs apply were malfunction. 
In order later, after the check was issue to me arrived me physical juris., I thought to save time and further inconvenience, apply make new check, at aftermath, shop malfunction event, regards " new chosen vehicle mechanic '', " have the check that was already issue, now, mine possession, " deposited '', into mine bank account, ... withdraw the funds when check clears, and then of just withdraw cash money, physically pay the new auto mechanic '' ; Sirs, after the approx. almost XXXX, check was in fact " cashed '', I did go and withdraw smaller amount of the exclaimed available funds, cash, and then soon later, attempt to gain the remainder, in order to complete pay the new mechanic at facility locate close by, off XXXX XXXX, XXXX, XXXX, as for then, unfortunately the bank informed me that relevant already cashed check had not been honored, and an " hold '' was placed on my account. 
I was caused XXXX, and upset at professional business to loss, by this unfortunate Well 's Fargo Bank 's malpractice event ... '' I call robbery '', by them, since Wells Fargo exclaim `` already clear '' that " insurance check '', provide me cash money, and allow relevant remain money register mine checking or savings account, then claim contrary matter, you ... '' mistakenly '' " cleared '' my check, ... Now then, 2019 you at Wells Fargo steal my money back. This cruel, and unusual, act by Wells Fargo, was outrageous and is unlawful, and now after XXXX XXXX military service detour, allows me be fit ready to further accommodate this acts of robbery by Wells Fargo, I must do so, ... and further request for here assistance by complaint administer to yours Sirs, CFPB, allow enforce justice to here obvious banking, crime.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I asked XXXX to look into a XXXX dollar debt I seen pop up on my credit score. They never notified me that an investigation was going to happen or did happen. In fact I had to check the website less that 72 hours later to find that they said the information was correct when in fact I know it is not and I can not seem to get the removed from my credit or get a proper investigation into what this is. This debt says it was bought from another company. It was bought illegally without any signature from me and I was not given any proof of how this could be mine.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I asked XXXX to look into a XXXX dollar debt I seen pop up on my credit score. They never notified me that an investigation was going to happen or did happen. In fact I had to check the website less that 72 hours later to find that they said the information was correct when in fact I know it is not and I can not seem to get the removed from my credit or get a proper investigation into what this is. This debt says it was bought from another company. It was bought illegally without any signature from me and I was not given any proof of how this could be mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: EQUIFAX, INC.
State: UT

Complaint narrative:
My information was sold and brought illegally because I was a victim of 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. Equifax confrimation that my information has been breached # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX my husband went to XXXX. While there we took a taxi on XX/XX/XXXX from the XXXX XXXX to the XXXX XXXX  which should have cost somewhere around XXXX XXXX {$10.00}. The driver told us his company would only take a credit card so we agreed. He did not give us a receipt. When we got home, we discovered that we had been charged {$560.00}. We dont know if it was a decimal point error or was done deliberately. We initially reported it as fraud but we were told that since we received benefit, it wasnt fraud. We then reported it as an incorrect amount but without a receipt we were again turned down. Although the representatives agreed that it was an unreasonable amount, they couldnt help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I asked Experian to look into a XXXX dollar debt I seen pop up on my credit score. They never notified me that an investigation was going to happen or did happen. In fact I had to check the website less that XXXX hours later to find that they said the information was correct when in fact I know it is not and I can not seem to get the removed from my credit or get a proper investigation into what this is. This debt says it was bought from another company. It was bought illegally without any signature from me and I was not given any proof of how this could be mine.

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 2023-12-29 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I Loss a lot money from my account ; and Now I find : Chase Bank Pay for my Telephone bill : " {$50.00}, {$30.00} and {$20.00} '' I have the Record in my telephone for This payed by Chase Bank ; and I Payed {$20.00} in Cash also ; for all XXXX or XXXX month I have XXXX  XXXX Account. in total {$120.00} per Month. I buyer Perfume : They put in Chase Email : " The same Perfume with better Price ; but I already pay my perfume to XXXX ; and I loss the money ; in paper they return money ; but I Loss this money. I don't take offer from XXXX I use XXXX XXXX XXXX. They close My Account : " But My Social Worker XXXX at Social Security ; tell me : " The money came to The Chase Bank in 4 day ; if they help you came give your money ; because is XXXX Pay ; now : " I way for XXXX XXXX By Social Security XXXX  : " Because I never received my Pay Completed by Social Security ; always by shore '' Now I came be Shure I received all my Money ; because I way to be received {$1700.00} for XXXX ; for made {$160.00} Shore may payed by Social Security ; maybe : " This is The Truss reason to Chase be Close my Account ; because came to me in XXXX This Pay '' Are You Help me to find this money? ... Because I have empty my new apartment ; I need Urgent This Money Now ; and also my brother borrow a lot money ; and I need Pay Him. I want be help for you ; because : " This is Abuse by Chase Bank ; because manager in XXXX XXXXXXXX Chase Bank try forced to me : " Accept XXXX XXXX Account when don't subtraction my Pay for XXXX ; and Plus to the total this money '' For this reason I loss a lot money. Also I loss a lot money of my XXXX Card ; and I need stop : " XXXX XXXX XXXX '' Because I Loss {$20.00} in every transaction ; when I used Debit Chase Card and XXXX Card '' I loss all {$1700.00} only received one time ; but I want be sure If I received this Pay in my Debit Card. I hope you Investigation was good ; because I represent To USA for The Best Student XXXX XXXX in XXXX went I finish My XXXX XXXX in XXXX XXXX XXXX in XXXX, New Jersey. Please see also in XXXX My Name : XXXX XXXX XXXX XXXX And You came see My Job to Saved Our World ; also I have : " Change Order for Use Divine Solution for Climate Change '' I Need My Justice and recovered all My Money, XXXX Help Me! ... Amen!!! I want to invite all disability and Older Person for make Demand Together!... Because be pour the older people is be Pour all USA!... They are The Base of Our Economy!... Help Please!... XXXX XXXX  XXXX!... XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I went to chase bank XXXX Ohio and deposited XXXX $ on my way to buy a car. After it took the money it didnt deposit printed a receipt and now I cant buy the car I want before the year is over which means I probably wont get it at all cause I have to wait on my money to be added to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XX/XX/2023 I reached out to XXXX and requested the original car contract. The XXXX car company told me that they sold the contract to Bridgecrest a day after the car was purchased. Bridgecrest had time to contact me and not 1 time did they make any attempt to do so. They mixed consumer credit with a cash transaction, which is illegal. A {$3600.00} down payment was given to XXXX after they ran my credit. ( 15 u.s.c 1662 b ) down payment illegal ) They never offered or provided car insurance which is also something they are supposed to provide. Instead, they loaned me {$11000.00}. Then charged me {$7600.00} for finance charges and {$590.00} for XXXX XXXX insurance. Taking my total of {$10000.00} to {$22000.00}. They are operating with a false contract with forged digital signatures, which is also illegal. They have repossessed the car without a valid contract, which is also illegal. Since they sold the car contract to XXXX, that now means I am paying for this car twice, which is also illegal. They never sent out paperwork for the right to rescind within 3 business days. ( 12 CFR 226.15 Right of rescission ) They sent a text message stating that they would repossess the car by XX/XX/XXXX but they got on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: NY

Complaint narrative:
BECU froze my checking account on XXXX XXXX, and advised that it would be reviewed for XXXX days. The balance in this account is over {$40000.00}. 

I waited, XXXX  days passed, and BECU are still refusing to unlock the account or explain why it continues to be frozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation