vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 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 XXXX account number 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

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: MS

Complaint narrative:
I am a Credit Karma member and I would be sent pre-approval cards, personal loans and car reduction loans and after I applied I would be denied everytime. This was done through XXXX - XXXX, and this only lowered my credit score each time I followed Credit Karma suggestions and pre-approval offers. I continue to apply for the pre-approval credit cards, personal loans, and car reduction loans and my credit score just continue to drop and I just say for get it because at one point I had not missed or had a late payment on anything and my credit went from XXXX to XXXX. I worked hard to get my credit score to XXXX, without using any advise from Credit Karma and when I started trying to to do all the pre-approval offers that's when everything went down hill and I have been mad every since. I didn't know that I could do anything about this until I read online about FTC filing lawsuit against Credit Karma and that consumer 's could file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

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 a account without my written instruction. 

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have been reviewing my rights and my consumer reports lately, and have come into quite a bit of knowledge I did not know prior. My issue is with account reported, as during the time the account was opened, I did not know the law or my rights as a consumer. This will be sent to the attorney general 's office as well. My complaint is with the following reported account : -XXXX # XXXX Under Federal Law, violations occurred via 15 US Code 1601 due to the following reasons : -In XXXX of XXXX  I made an uninformed credit decision with XXXX XXXX XXXX bank XXXX regarding this particular credit decision. 
- I now know, that at the time the notice of debt by agreement is now null and void due to the fact that I made a uniformed credit decision. 
- the law states that " adequate notice '' should be a printed notice stating facts " clearly and conspicuously '' where a person could notice and understand its meaning. That was never provided to me either.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have been reviewing my rights and my consumer reports lately, and have come into quite a bit of knowledge I did not know prior. My issue is with account reported, as during the time the account was opened, I did not know the law or my rights as a consumer. This will be sent to the attorney general 's office as well. My complaint is with the following reported account : -JPMCB # XXXX Under Federal Law, violations occurred via 15 US Code 1601 due to the following reasons : -In XXXX of XXXX I made an uninformed credit decision with XXXX XXXX XXXX bank XXXX regarding this particular credit decision. 
- I now know, that at the time the notice of debt by agreement is now null and void due to the fact that I made a uniformed credit decision. 
- the law states that " adequate notice '' should be a printed notice stating facts " clearly and conspicuously '' where a person could notice and understand its meaning. That was never provided to me either.

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 2022-09-11 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX has violated my rights. 

Contact info : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX 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

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Misinformation about loss credit card, and offering after paying fees and can't get a loan to support my family and I.

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 2022-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I contacted XXXX a week ago, asking why was I declined for a XXXX  and the reason states that I dont pay enough of my balance. 

Yet I have paid in full. XXXX support completely has ignored me for a week, this type of support is ok for a tech company. But is not ok for a credit company. 

This is both scary, and insane. 

XXXX is building a monopoly on financial services, conquering the digital world. Yet they refuse to hold themselves to any type of standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX has violated my rights. 

Contact info : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX 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

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 2022-09-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX has violated my rights. 

Contact info : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
In 2018 I was working with XXXX XXXX. I was given written approval of my financial aid for the semester. Then a year later I receive a collections notice. I explained to them I'd been working with a representative at their college on my account to resolve. I have emails to prove this interaction. They said ok and I forwarded this information. A year later I start to receive collections notices. I again reached out to no avail. I've made attempts to dispute and to show these emails again and still nothing. Now this is plaguing my credit report and impacting my ability to gain employment opportunities, build my business and beyond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On the date XX/XX/22 I received an award letter from the Homeowner Assistance Fund ( HAF ) administered by the florida dept.of economic opportunity ( DEO ). 
I will be attaching that letter to this complaint. It awards me 18 months of mortgage and utility payments. 
The HAF call center has repeatedly informed me that they had sent my mortgage co. ( Mr.Cooper ) and my electric co. assistance checks on XXXX but to this date no one has received a XXXX, or so they claim. So somebody is lying as it's impossible for two separate checks to get lost in the mail and the electric co. ( XXXX ) is based in florida as well as the DEO offices so it's highly unlikely this would take this long.

COMPANIES INVOLVED : Homeowner Assistance Fund ( HAF ) DEO in florida. 
Mr.Cooper ( mortgage ) XXXX ( electric ) XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
During the month of XX/XX/2022 Navy Federal Credit Union began to exercise a right of offset on my bank account. However in the state of Mississippi, by law, Navy Federal is required to give me 30 days notice before seizing funds from my bank account. They seized approximately {$2500.00} which was a payday loan check from another creditor. This practice of seizing funds without 30 days notice is illegal in the state of Mississippi. It may also be illegal for Navy Federal to exercise the right of offset for credit card debts if they are a federally chartered bank, which I'm not sure if they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Acount # 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 602 A. States a consumer reporting aenc can not fumish an account with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I spoke to PNC after emailing applying for mortgage online. I called because I ended up having someone who sounded like they were calling from a foreign country call me about the loan. Eventually I spoke with XXXX XXXX, Mortgage Loan Officer, XXXX, XXXX. I explained everything that had happened with the current home Im in ( Flooding, FEMA instructions, eta ). Explained that the last time I applied I was approved for a conventional loan ( current house is fha ). He stated that I needed all this personal info to get a solid qualifying letter. I complete everything only to receive a FHA letter with requirements I cant meet. I emailed an asked why the letter wasnt conventional, no response. I called and he said that it was developed with the intention to have the the house Im in sold. I told him the issue with the home and why I needed to move first, reminded him and he said this is the process. So I said I wasted my time and risked my credit score dropping for nothing. He didnt seem to care at all. Now Im back to looking for overly expensive rentals and a lower credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: TN

Complaint narrative:
XXXX 2nd case TransUnion, Also stated there company will respond back to me within 60 days. Each and every complaint, that's recorded on file with TransUnion, the company have Always replied, that it would take up to 60 days ignoring Any FCRA Rule on time limits or providing a response back in 5 days per FCRA. THIS MATTER US NOT NEW, AND SHOULD NOT TAKE 2 MONTHS. THEREFORE, TRANSUNION, CONTINUE TO VIOLATE MY FCRA RIGHTS. I WILL BEGIN FILING A LAWSUIT THIS WEEK AGAINST TRANSUNION VIOLATION OF MY RIGHTS.. I'M AWARE OF MY RIGHTS AND TRANSUNION, NEGLECTFULLY VIOLATES MY FCRA RIGHTS AND RULES. THIS IS A DELIBERATE ACKNOWLEDGEMENT OF TRANSUNION MAKING THERE OWN RULES FOR THE CONSUMER. I HAVE EXHAUSTED ALL TOLERANCE, IN FOLLOWING THE FCRA RULES IN DISPUTING THE SAME EXISTING INACCURACY WITH TRANSUNION. This dispute matter is unacceptable for a 60 day turnaround time frame. The FCRA, time frame is 30 days, with some exception to extend to 45 days. Written Communication must be submitted to the consumer 5 days from the date dispute is received.

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 2022-09-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My Experian credit report contains a total of 7 time barred accounts from XXXX and they refuse to remove them no matter what evidence I have submitted. I am literally in awe wondering how in the world are they getting away with this. There are a few repurchasers of debt that have reinserted my previously removed accounts and changed the date to XXXX when they were originally from XXXX. I have sent them all kinds of prood and Experian just says sorry our information shows that this debt is valid. Then if I try to perform an additional dispute a month later online they won't allow it saying that it is too soon to perform another dispute. That does not even sound legal to me. Can you please help me?

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 2022-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX, the balance on my Lowes/Synchrony Bank credit was paid twice. I contacted Lowes/Synchrony Bank the next day and I requested that the amount be restored to my bank account. I was told that was not possible even though thats how it was paid, digitally. I was told a check would need to be issued. It has been more than 3 weeks. My account still shows a negative balance which means the check hasnt begun to be processed. I am requesting your assistance for this reason.

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 2022-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Clay Chapman Iwamura Pulice & Nervell
State: CA

Complaint narrative:
I was told I was getting XXXX for my business loan I applied for everything went through on my end but I never received it and now I have no access to my email I applied for it with. Also the website is no longer available it's a whole new company so there is no XXXX XXXX XXXX. I applied for several of these around XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-09-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I got charged {$140.00} from a collection agency called XXXX XXXX XXXX  that Ive never heard of on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
My card was use for XXXX XXXX all night I didnt approve of XX/XX/22

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 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I opened the account at Wells Fargo in XXXX XXXX about 3 weeks ago and did not want the online banking set up because of fraud on my previous account with XXXX XXXX  Bank. Well someone got in and got my online banking set up and put money through on my debit card that I did not spend. So I went into the bank on XX/XX/22 and was cashing my check from XXXX XXXXXXXX XXXX XXXX for {$170.00}. I put the I have the check and the receipt and it said that they put the money in and there is XXXX money in my account they didn't even deposit it in the account. I'm not sure what is going on with this company but someone needs to look into why they think they can do this and get away with it and also look into XXXX and XXXX XXXX because they're my parents and they have been claiming me dead for I don't know how long and doing this to me thank you

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