vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I was approved for assistance through the North Carolina Homeowners Assistance Fund. HAF made the first payment to SPS on XX/XX/XXXX. It was in the amount of {$2.00}, XXXX and was to reinstate my loan, going back to payments missed since XX/XX/XXXX. HAF also made payments for me going forward through XX/XX/XXXX, for a total of {$3.00}, XXXX. 
The second payment made by HAF was on XX/XX/XXXX, in the amount of {$350.00}. My mortgage company, SPS, never applied thise payments to my loan, neither the reinstatement lump sum or the XXXX payment. My caseworker with NC HAF was able to verify that SPS confirmed receiving the payments. My attempts to resolve the matter by contacting the ombudsman department at SPS have been unsuccessful. I realized what they had done when I called to make my XXXX mortgage payment, and the amount I was told I needed to pay did not show me as being credited for the HAF payments. I was first told it would take them a few business days to research and resolve the matter. As if today, it has been two weeks and they still refuse to acknowledge or correct their error. Today they said " call back after XXXX XXXX ''. I feel like that is unfair and unacceptable. They have been paid for many months, and I shouldn't have to get behind on my payments again while I wait for this mistake to be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My car loan is due on the XXXX of every month. I have had Complications with my health since XX/XX/XXXX due to XXXX XXXX. 

I understand as of today XX/XX/XXXX that I am 32 days past due on my payment. 

Ive spoke to a Supervisor identified with User Code XXXX  ( Last name XXXX ) to ask if they can please forgive the late payment and not report the 30 days late to the credit bureaus. I advised I wasnt able to make the payment due not being to work and make money due to complications to XXXX They said NO! 

Can you please help me with this situation? I cant afford to have a late payments on my credit report. 

Thank you so much for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have had a loan with this company for just over a year. somehow I get charged fees each month but am unable to see what they're for bc I can not view all my statements online. I can only view the ones when I was enrolled in online statements. I have lost previous statements bc I assumed I could view them. I paid the fees that were up to {$120.00}, bc I assumed I had been late or had a payment returned. the month after I paid those fees, I was showing an additional {$150.00} in unknown fees. I can't talk to a human, they only have an automatic phone. I requested my statements be sent to me and that was XXXX months ago.

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have a rental write off with XXXX XXXXXXXX XXXX - XXXX XXXX in XXXX FL. I have tried numerous times over the last 30 days to make contact to PAY THIS DEBT OFF. No one wants to help. No one can find this debt. No one calls back. I spoke to XXXX XXXX who first said the debt is with XXXX XXXX XXXX, they then said its with TransWorld who also said they can not find any information on my situation. The debt shows on my report when I apply for apartments or rental homes, but no one lets me pay for it no one knows where or what it is. I need this to be fixed ASAP either information to PAY IT OFF or a letter of Release.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
AFN I Corporation has some kind of a write off for me for some equipment with the cable company that was demolished in the hurricane in the XXXX XXXXXXXX in 2017 the house was demolished all the equipment was demolished I went to the XXXX building which was demolished they made me sign some paperwork and ever since then Ive still been getting billed I dont know in the house anymore it was lost in a natural disaster

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC
State: CO

Complaint narrative:
I recently attempted to purchase my leased vehicle at lease end for my contracted residual value. The leasing company, BMW Financial Services was unable to conduct the lease end transaction, and instead referred me to my local dealership XXXXXXXX XXXX  in XXXXXXXX, CO ( who I originally purchased the car from ). Upon approaching the dealer, I was informed that the residual value in my lease agreement could not be honored and they would need to charge me an additional {$600.00} in dealer-imposed handling fees. 

These fees are not disclosed in my lease agreement. My lease agreement specifies that my vehicle may be purchased at my residual value plus any government imposed fees such as taxes. 

The additional undisclosed fees being added to my lease-end buyout are in violation of the Consumer Leasing Act. 

On Monday XX/XX/XXXX, I was informed by two BMW Financial Services phone reps ( XXXX and XXXXXXXX XXXX ) that XXXX  is under no obligation to honor my lease contract. 

I have included a copy of my lease agreement, as well as the dealer quote sheet showing the additional fees they intend to charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NM

Complaint narrative:
Loancare LLC is refusing to accept payment from me for my mortgage. The loan recently transferred servicing to Loancare on XX/XX/26 but loancare is refusing to accept payment, violating the terms of the original mortgage, as there is no way for me to make a payment before the payment due date. I called their customer service line today XX/XX/26 and the person stated that they will not accept payment from me for another XXXX days, even though I have made every effort and in fact spent hours and hours today and previous days as well trying to make the payment. This violates the terms of the original mortgage, and will cause my payment to be late, despite me doing everything that a human can possibly do to make my payment. Loancare LLC will not accept my payment by any payment method until after the payment is due, they are trying to force me into foreclosure despite me being willing and able to make a payment and trying every possible method to pay.

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


The following accounts are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. And also they reporting inaccurate information on my credit report i add file from my job supporting my payment story with XXXX XXXXXXXX OFFICE OF THE ATTY GENERAL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: AR

Complaint narrative:
Ive sent two letters prior to ALL 3 credit bureaus in regards to fraudulent accounts on my credit that I've been working to get removed and have yet to get any result sufficient for this situation. 

I would like for the reporting agencies to please investigate and remove also Update my credit report. 

The issue is that fraud should not be allowed but even more once the fraud is noticed and I've requested that these matters be investigated the bureaus are not taking the diligent approach as they did when they reported and allowed the fraud to be there. 

these are the current reporting accounts that are fraudulent and I would like removed : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX ACCOUNT # XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-08-29 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: AR

Complaint narrative:
Ive sent two letters prior to ALL 3 credit bureaus in regards to fraudulent accounts on my credit that I've been working to get removed and have yet to get any result sufficient for this situation. 

I would like for the reporting agencies to please investigate and remove also Update my credit report. 

The issue is that fraud should not be allowed but even more once the fraud is noticed and I've requested that these matters be investigated the bureaus are not taking the diligent approach as they did when they reported and allowed the fraud to be there. 

these are the current reporting accounts that are fraudulent and I would like removed : XXXX XX/XX/XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: GA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX Ive done 2 disputes with the credit bureau and waited 30 days each time for results. No results were given and even after disputing with the cfpd I was told I will get a response in 60 days. By law under XXXX  Federal Fair Credit Act .I am to get a response with in 30 days of the date I sent the letter to the bureau for investigation. They company only had 30 days to prove any accuracy or remove entirely from my report. If these laws are violated i due monetary compensation of {$1000.00} per item They are also in violation of Fair and Accurate Credit Transaction Act of 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 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Since opening account with Navy Federal Credit Union in XXXX, I suspected that my funds being deposited were stolen in small quantities throughout account opening and closing of account approximately XXXX. Since then, I have obtained access to mortgage account history that appear to confirm my suspicions. I ask that you please review all payments received by Navy Federal Credit Union that occur prior to and after monthly loan payment made. It appears that multiple payments are made to mortgage accounts. Also, please pay special attention to transactions occurring on due date XXXX date processed : XXXX, XXXX, XXXX for {$1000.00} per transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


The following accounts are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. And also they reporting inaccurate information on my credit report i add file from my job supporting my payment story with child support OFFICE OF THE ATTY GENERAL

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 2022-08-29 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: Santander Consumer USA Holdings Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have called each bureau about fraudulent inquiries on my report Experian removed some XXXX said they would be removed after 24hrs but they still remain on my report. XXXX was not helpful or cooperative with me about removing the fraudulent inquiries. Experian : 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 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I opened an SYNCB/TJX XXXX XXXX Card in XXXX of XXXX approximately, I used the card for about 9 months, after that, I had my wallet stolen with my picture ID and copy of my social security card, my bank card, and my SYNCB/TJX card. I suddenly received a bill from SYNCB/TJX, and I contacted them to explain what had happened, in a few words, they said that I owed them money and I needed to pay them all the charges, plus fees and interest on purchases that I never made and I reported fraudulently. 
I explained that I would not pay for something I did not purchase, and they threaten to continue to collect the funds and damage my credit. 
They have damaged my credit and my ability to live a normal life. Until a friend told me I needed and could report this issue to you. 
I am asking for your help to have SYNCB/TJX, drop all the charges since they are not my charges and this situation was reported. Please have them mail me a letter confirming that I am not responsible to them for any amounts owed and that they have been aware of this situation for years. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX SSN : XXXX DOB : XX/XX/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 2022-08-29 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: OK

Complaint narrative:
I have been violated as a consumer and human being causing defamation to XXXX and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681. 

EQUIFAX is governed by 15 U.S.C 1681 and they have violated my rights numerous times and I demand the accounts below be removed and NOT UPDATED due to the law. 

According to 15 U.S.C 1681 : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Accounts : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/2022, mailed signed letter requesting to close account ending in XXXX. 
XX/XX/2022, received letter from bank indicating a maintenance fee was charged ( {$7.00} ) Bank failed to close my account and now is charging me a maintenance fee.

Company response to consumer: Closed with explanation