vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Our mortgage companys name is BSI financial services. Since they took over our account, we havent got our payments updated on time. We like to send our check with the payment two weeks before but they would supposedly only get it after the due date had passed. Thats a lie and as far as Im aware mail does not take more than 4 days to be delivered. In XXXX of XXXX  they said they got our payment after the due date so instead we had to pay an overdue amount in XXXX. Then BSI said in XXXX they didnt get a check at all from us after we mailed it to them so we had to call our bank to stop the payment on that check. We then made a payment over the phone for XXXX and XXXX together since they did not receive the XXXX one prior. It was not applied to our payment and we had no idea until we got a phone call 2 weeks later that they had never received our payment. Aside from our payment issues, my wifes name is completely wrong on the paper work ; Totally WRONG. We keep calling to ask them to fix the problem but they seem to be a very unorganized company because they never know what is going on. Now, we got our XXXX statement and the name of my wife is still wrong. I called again after calling 3 times this month and left messages to get a call back and it seems like nobody cares to call me back and assist me. I just want to be able to pay my mortgage and avoid late fees or damages on my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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  Account # XXXX XXXX XXXX XXXX  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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.

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 2023-03-15 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  Account # XXXX XXXX XXXX XXXX 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that undeXXXX 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.

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 2023-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CarMax, Inc.
State: TX

Complaint narrative:
XX/XX/2023 i applied for a consumer credit transaction, an offer was made of XXXX i accepted the offer. they then told me that i have to put a XXXX down payment its required, the vehicle total cost is XXXX.but if we are going off a consumer credit application that means the fees and payments are taken care of due to the fact i was applying as a consumer and using the vehicle for personal and family use.15usc 1602 ( i ) in addition to the acceptance i was allowed to test drive the vehicle. as we are now back at the desk the sales woman was in attempt to complete my contract. i stated that i was not a customer but applying as a consumer to extend my credit to the business. they then begin to ask for information like check stubs, i provided them and everything was done electronically. i asked do they participate in TRUTH IN LENDING ACT and they replied yes well when i stated code 15 USC 1602 ( f ) - ( The term CREDIT ) - means the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payments. and aslo stating 15 USC 1611 Criminal liablility for willful and knowing violation because of discussing a contract between two entities not including the actual entitiy applying for the consumer credit.Carmax deliberately left me out of the finance agreement while having a verbal conversation over the phone then coming back to me acting as the middleman. i feel Carmax employees are incompetent in knowing federal laws and acts. A Consumer Credit Transaction - ( CONSUMER-a person who purchases goods and services for personal use. CREDIT-means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payments.TRANSACTION-to exchange. im simply stating, my rights as a consumer has been violated along with being disrespected by the dealership and finance company. while reiterating the laws to them and exercising my right in hopes that the people im extending my credit to would be competent but they are not! i made aware of my EXACT INTENT for the use of the services/goods. for personal use which falls under the the 15 usc 1602 ( i ). i also understand by law iam the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not give my written consent to furnish any inaccurate/incomplete/unverifiable information at any time.I believe my privacy was violated and this caused me the natural person substantial Financial Injury.There are several violations purposely committed according to 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC ( b ) ( 3 ) 15 USC 1692 ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
I just opened a Square accounts for payment processing for my business and my first customer paid me via ACH. After two weeks of requests for verification, which I supplied, Square has now deactivated my account, and is holding the funds in which they have received from my customer, per their email for 90 days. I attempted to contact Square directly. However, their customer service associates have little authority and can only repeat company policy to me. They refused to transfer me to a management team and stated that there was nothing else they could do to help me. I find it illegal at least and unethical at best to withhold these funds from me, or give me the ability to refund my customer so that we may use a different payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am writing in today in regards to my account with Lincoln Auto Finance Account # XXXX an inaccurate late pay is reporting in XX/XX/2021. I have tried to get a copy of my original contract with no avail. I am therefore requesting a copy of the original contract along with full payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duncan Solutions, lnc.
State: PA

Complaint narrative:
I was sent a debt collection notice but while they let you pay the amount online, they don't allow you to dispute it online.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed numerous complaints with TransUnion, both directly and through CFPB, and have not received one response. 

That said, I just received this on their site : " INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Original Creditor ; Payment Received. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX '' I HAVE NO IDEA WHAT THIS MEANS and their comment ( above ) " Original Creditor ; Payment Received, '' is nonsense. I don't even know who the original creditor was!!! 

I'm filing this, again on the advice of my attorney, through CFPB rather than with Transunion. 

It would be great if someone at CFPB would read my complaints and intervene.

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 2023-03-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My complaint is against MONEY NETWORK in XXXX, MD : On or about XX/XX/2022, I received a prepaid card in the amount of {$1000.00} for my " California Middle Class Tax Refund ''. I followed all the instructions to activate the card and went to XXXX XXXX XXXX to get the cash from the card. XXXX has the special machine to verify my funds and give me the cash. The bank teller told me the machine said my card is " void ''. 
The same day I called MONEY NETWORK and asked for a check to be mailed and they agreed to mail me a check. After about 30 days, the check didn't come so I called and we agreed they would send me another check. As of this writing, the second check has never arrived. 
I made multiple phone calls and MONEY NETWORK 's system notes are the best source for a record of all my calls. It also represents how much time I've spent. 

I received IRS tax from 1099 for the money I never received. I believe MONEY NETWORK is engaged in fraudulent and illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
Credit Concepts XXXX XXXX XXXX XXXX XXXX, Oregon XXXX Debt amount {$4600.00} XXXX They contacted a friend and gave him the letter at his property, and I did not live there and gave him the letter that was served that was supposed to go to me. Which he gave to me and it was threatening to sue me. Also, the information is incorrect on XXXX and XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I requested a forbearance for my all my loans. They advised the request was granted. After speaking with servicer they advised that rep only applied for forbearance on 1 loan and advised they would apply for a forbearance for other loans. After, i was notified that it was denied and account was now past due. Payments were made on XX/XX/XXXX and then on XXXX totaling XXXX. I was again contacted and advised the account was past due 54 days. I spoke with representative and she went over account and advised the payments were not allocated to the correct loans. After speaking with her we figured out the account was showing 54 days past due for a total amount of XXXX XXXX I made that payment, only to receive a call XXXX hours later saying again account was past due. I explained and thought it was squared away. I continued to receive phone calls stating same. Today I spoke to servicer and the my stated account was past due and request were made to correctly allocate payments but it takes up to 5 business days and my account would be researched by specialists. They have continued to harass my mother and I without even completing the investigation. They then gave me 3 different amounts XXXX {$530.00} $ and XXXX XXXX They arent even clear on how much is due. They contact my mother and I atleast 2 times a day each with incorrect information only for me to go through account and receive the same response of we will send request for payments to be reallocated correctly and have specialist review account. This is stressful and taking a toll on my mental health. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 explanation
Consumer complaint received 2023-03-15 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: FL

Complaint narrative:
I have some inconsistencies with my report. There are multiple tradelines/credit lines open and in good standing for me but they are not reflected on my credit report for XXXX. The account i'd like to self-report is with Florida XXXX and XXXX company, account number XXXX which i have shown positive payments. This account is reflecting on my experian report but not currently reporting on my XXXX  or equifax reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have a late payment reported that was fraud not done by me I disputed this with the credit bureau and they came back from the company saying it was valid. I was never given the option to opt out according to 15 US Code 6802 B- Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Mosaic refuses to cancel my project and loan despite the contractor lying about having completed the project. There has been XXXX progress on the project and they have already disbursed {$100000.00} to the contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { dispute_item_and_explanation listed underneath Personal Information : XXXX XXXX XXXX : XXXX XXXX Ct XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX 
XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX. 
XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 non-monetary relief