vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 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: PA

Complaint narrative:
I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, Transunion and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Transunion and 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 2023-01-30 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial is reporting an auto loan on my credit reports with inaccurate late payments. I have contacted both Ally Financial and each credit bureau regarding these late payments and they refuse to update the errors on my reports to on time payments. Each bureau is reporting the late payments inconsistently and if they are all getting their information from the same place this should not be happening. I am demanding that all late payments be corrected and report 100 % on time as they should be.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Hello, LexisNexis ( ref : XXXX ) has recorded that I had an accident on XX/XX/XXXX. 
For the FOURTH time, I have requested an investigation because this accident is not related to me : * My driver license number is not ending by XXXX ( see attached XXXX ) * My car is a XXXX XXXX, not a XXXX  XXXX ( see attached " title property '' ) * My car VIN is not XXXX ( see attached " renewal '' ) * My name is not XXXX XXXX XXXX ( see attached XXXX ) * My address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( see attached XXXX ) * My car insurance is insured with XXXX ( see " letter of experience '' ). I am not insured with XXXX insurance. I contacted XXXX insurance on XX/XX/XXXX, and they reminded me TWICE that my name was ( not is ) not on their record. 

The car insurances " XXXX  '', and " XXXX insurance '' and myself are not aware of any vehicle accident under my name. 
LexisNexis has refused to correct the records. They contacted " XXXX insurance '' and were told the information is accurate, which is probably true. However, this accident is still not related to me, but affects my car history. 

Please advice. 


XXXX XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This complaint is about Wells Fargo and a previous mortgage I had with them and how they took advantage of me and the situation. I was lied to. Told to default on my mortgage so they could blast me with fees to keep my house or otherwise they would take it from 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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union ( NFCU ) NFCU could not track deposits because the bank lump all desposits on same day into one full amount and NFCU tellers had problems locating deposite amounts had taken 3 days and management to get involved. Also, moved money out of pending then place it back in account to clear another item. I never heard of any financial institution moving money in and out of pending just to place it back as not clear. If I could rate no star I would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: PA

Complaint narrative:
I XXXX XXXX, Consumer and natural person am a victim of Identity theft. Equifax, XXXX and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! Equifax, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: PA

Complaint narrative:
I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, XXXX and Experian have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX and Experian have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX and 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 2023-01-30 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: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX and account # 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 non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc.
State: AZ

Complaint narrative:
I have the XXXX XXXX card. Last week, there was a transaction for {$78.00}. I was notified right away about the transaction. I called XXXX support and they told me to call the gas station in Florida where this was made ( I live in Arizona ). I called the gas station, they said they can not cancel it because it was online, blah blah blah and told me to call XXXXXXXX XXXX. I called XXXX back. Got transferred a couple times, and then was told the transaction was cancelled and I would be getting my money back within 24 hours. Of course, I called back today, and now they are saying it was made with XXXX XXXX, and it is my fault and they will not give me my money back. But here is the biggest issue. I JUST got that card like a week before this. I NEVER EVER used this card, I never put the number ANYWHERE. I was saving the money on that card for my trip coming up, I was leaving it there and not touching it. The ONLY way someone could have gotten this card number was from XXXX employees. I can not be the only one that has had this issue. I need my money back this is an AWFUL business practice and something needs to be done!! I called them right away, so they had plenty of time to cancel this order before the thief even had time to get the items they ordered. XXXX XXXX and XXXX XXXX XXXX  should be fined for doing this to people!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Below is the email I sent explaining my issue with Truist : In addition to the issue explained below, I received a tax form from them, which listed over $ XXXX in principal due, which is incorrect. 

I believe this institution is predatory - looking to deceive old and minority customers with practices described below. Not to mention the previous issue we had around them trying to convince us to select 'interest only ' repayment when we opted for 'fixed ' repayment. 'Interest only ' repayment would have made this loan unaffordable and likely lead to us losing our property. I believe they made this recommendation to do exactly this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since I began my banking relationship with Truist, Ive experienced nothing but issues. 

The latest issue is around how payments on my HELOC have been/ are being applied. 

If you look below, you will see that we should be on a fixed repayment schedule - 30 year term with monthly payment of {$970.00} to be applied to both principal and interest. 

Whats actually happening is not this and I need answers ASAP. I tried engaging XXXX  and XXXX copied on this email but still feel as if Im getting the run around as no solution has been reached. 

For XXXX - XXXX, I owed a balance of {$72.00} for interest accrued. I made this payment. 

For XXXX there was no payment due on the account, but I remitted {$970.00} in XXXX, which was applied to principal and interest ( ~ {$700.00} to principal and ~ {$200.00} to interest ). Unclear for what month this payment shouldve been applied to but if no payment was due in XXXX, this shouldve been applied to XXXX. 

My XXXX through XXXX payments were applied to interest only- all {$970.00} applied to interest. 

My XXXX payment was applied to principal and interest but this time ~ {$800.00} to interest and ~ {$150.00} to principal. ( Reverse of how my payment made in XXXX was applied ) This is very inconsistent and not what Id expect for a fixed repayment schedule. 

XXXX XXXX XXXX XXXX XXXX XXXX Email referencing in note above ) On XX/XX/XXXX, at XXXX XXXX wrote : XXXX, good morning. I am happy to share that your HELOC has officially been locked with the following terms : Loan amount {$180000.00} Rate 4.75 % Term 360 months ( 30 years ) Monthly payment {$970.00} XXXX, as of today your HELOC has accrued interest of {$72.00} which needs to be paid today, as well as a 1 time rate lock fee of {$15.00}. With your authorization, I will debit your checking account in the amount of $ XXXXand that will conclude this process. 



Thanks again XXXX and have a wonderful day. 

XXXX XXXX XXXX / Vice President

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 2023-01-30 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: Omnipoint Capital
State: PA

Complaint narrative:
Omnipoint Solutions contacted my mom and attempted to get information about my mortgage and if my mom was a co-signer. She is XXXX XXXX XXXX so she believed that the person calling was trying to seize my property. This may be over a {$1500.00} debt not related to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting an inaccurate late payment for the XXXX XXXX XXXX XXXX  account ending in XXXX. A 30 day late payment posted on XX/XX/2022. This is incorrect and supposed to be reported as PAID AS AGREED. Pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file. The inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-01-30 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: NC

Complaint narrative:
Contacted Experian by USPS dated XX/XX/2023, disputing several inaccuracies of this creditor on my consumer file, which you will see attached, as well as XX/XX/2023, I sent a letter to both creditor along with the credit bureaus stating that if I paid debt in full that they will remove information of debt within credit bureaus since and they agreed to do so. This was paid in full XX/XX/2023 and Experian is still reporting full balance and past due balance and their payment history is not accurate as well and should be removed from the consumer file immediately. According to Experian on dispute that was made that they are not making any changes to the debt on my consumer file. Which is violation of my rights according to FCRA. Attached you will see all documentation that was mailed to Experian. Also there was no results sent to me proving their explanation of their investigation. I have also included results from XXXX removal of XXXX XXXX from their file due to the inaccuracies reported.

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 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
They call our office multiple times a week- they hang up on us when we answer- even on weekends. We have called them back and asked them to stop calling- they claim that we are not on their call list, but yet they continue to call. This is our second complaint to cfpb about these people. ( XXXX ) It needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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: CRESCO CAPITAL INC.
State: TX

Complaint narrative:
THIS COMPLAINT IS DUE TO XXXX NOT RESPONDING AFTER 8 MONTHS OF RECEIVING MY DISPUTE LETTER REGARDING AN INACCURATE ACCOUNT THAT THEY HAVE BEEN REPORTING ON MY ACCOUNT. I HAVE BEEN PATIENT FOR THE LAST FEW MONTHS, BUT IT HAS BEEN ENTIRELY TOO LONG AND I HAVE NOT RECEIVED AN UPDATE OR ANY DOCUMENTATION VALIDTATING HOW XXXX IS REPORTING THIS ACCOUNT AS SUCH. THEY ARE REPORTING CRESCO CAPITAL XXXX AS A REPOSSESION AS WELL AS A VOLUNTARY REPOSSESION. HOW DOES THIS MEET FCRA REGULATIONS? ALSO, THIS WAS NOT A REPOSESSION THE ACCOUNT WAS PAID SO I AM CONFUSED WHY XXXX HAS INCORRECT INFORMATION WHEN XXXX AND XXXX ARE REPORTING THE ACCOUNT AS CLOSED AND PAID. BEING THAT THIS HAS BEEN ONGOING FOR 8 MONTHS I AM DEMANDING THE DELETION OF THIS ACCOUNT OR FOR IT TO BE UPDATED TO PAID AND CLOSED. I WILL BE SEEKING LEGAK ACTION FOR THE MANY VIOLATIONS OF THE FCRA IF THIS IS NOT UPDATED ACCORDINGLY. I WILL ATTACH THE LETTER THAT WAS SENT 8 MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
Sent out a letter advising of dispute and requesting the validation of this debt, with certified mail tracking # XXXX XXXX XXXX XXXX XXXX, request letter forward expired and request was ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a Chase Amazon credit card. On XX/XX/XXXX a merchant placed a charge on my account for an off-road vehicle rental reservation for {$420.00}. A few days later, I requested a cancellation and the merchant refunded the same amount to the credit card on XX/XX/XXXX. On XX/XX/XXXX a charge was placed for the rental of a XXXX in the amount of {$500.00}. On XX/XX/XXXX the merchant refunded {$150.00} which was a contingency deposit that had been included in the {$500.00} charge. Chase seems to have applied the refunds to equal pay promotions in my account that were not due until several moths lates. The payments on the equal pay promotions were up-to-date. The refunds should have been applied to the statement balance, since my balance now shows the full amount of the transactions as due for payment. 
In addition, Chase created an equal pay promotion for an item that is being included in the statement for full payment. It includes a item that was returned. 
I first contacted Chase on XX/XX/XXXX and opened a case with a supervisor. Since then, I contacted Amazon and Chase on several occasions. A letter arrived in the mail on XX/XX/XXXX stating that Case did not make an error and cites guidelines they follow when additional payments are made to the account. Since these were refunds and not additional payments, they were incorrectly applied to promotional offers, in violation of a finance agreement I had with Amazon and Chase. The equal pay promotion that was incorrectly created has not been addressed. 
Amazon was contacted yesterday. They claim it was Chase who is responsible for both issues. A complaint ( negative feedback ) was created with Amazon. I have all documentation in my possession and available if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I was selling an arcade on XXXX marketplace for {$100.00}. A guy was willing to pay me through XXXX and needed my name and email address, which I felt uncomfortable doing but apparently thats how you add people on XXXX so I gave it to him. He claimed he sent me the money but then I got an email stating that my XXXX account is not a business account so he needed to give me an extra {$400.00}, then I send it back. Since it was my first time using XXXX I thought it was weird having to do that but I figured that at least I wouldnt have to do it again. So I sent him {$400.00} but it was obvious in my bank account that my money left the account and no money came in. And then I got another email saying that I needed to give him another {$500.00}. I did not do it of course, but I called my bank to file a dispute. I got a letter in the mail stating that my dispute was denied because I had authorized it. Yes technically I did, but seriously, who intentionally pays scammers? Theyre tricky that way! I was also told to try to contact the guy to ask for my money back but his email is no longer active. And come to think of it I think he could see how much money I had in my account because I dont know how they would know how much money would be in or out of my account after all the transfers.

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