vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
- On XX/XX/2021 we made a home load inquiry with First Republic Bank. 
- On XX/XX/2021 we received a response from Relationship Manager XXXX  XXXX  ( NMLS # XXXX ). Their NMLS profile is here : https : XXXX - XXXX XX/XX/2021 we discussed the loan application with XXXX over the phone. 
- On XX/XX/2021 we submitted out loan application online. 
- On XX/XX/2021 XXXX first informed us of a new requirement for the loan : " moving over [ our ] current brokerage account [ s as ] part of the purchase transaction relationship. '' This was the first time we were informed of the requirement, and we could not find it mentioned in any document provided by First Republic. 
- On XX/XX/2021 we asked for clarification : " could [ First Republic ] share a document that outlines all the requirements we need to meet to be eligible to get a mortgage through First Republic? '' - On XX/XX/2021, we received a response from XXXX, but no formal documentation was shared. There was simply the statement " Since we are giving you the loan and the savings, we in turn want to be the beneficiary of your funds/deposits instead of the funds going to an outside institution who is not able to provide you with the same great loan program. '' - Given the above, we believe that First Republic behaved in an unethical & discriminatory manner. Only after First Republic gathered all of our sensitive financial data did they mention we would have to move over all of our investments to work with them ; furthermore, they never provided any proof of these terms/requirements with official First Republic documentation . This is deceptive ( they should have been clear about requirements before gathering our sensitive data ) and discriminatory ( if our financial data looked different then First Republic might have made different demands- in fact, the demand to move over our assets only came up after a particular brokerage account was mentioned ).

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 2022-05-01 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, 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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was an authorized user on this account and was removed. I have no other business with this account and demand for it's removal from my credit reports. Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: MI

Complaint narrative:
So I have a account with chase and I had a dispute for fraudulent transactions that I didnt authorize but chase denied and refuse to help me at all honestly I would highly not recommend chase got with XXXX or XXXX is a way better option than chase they are terrible with customer support and dont expect them to help if you money ever get stolen they will only tell you sorry we cant help it seem like this was authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Upstart Holdings, Inc.
State: NY

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 an 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
In accordance with the fair reporting act XXXX  account # 's XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$98.00}, XXXX/XXXX XXXX  XXXX {$1300.00}, XXXX XXXX XXXXXXXX {$4800.00}, XXXX XXXX XXXXXXXX , {$5000.00}, XXXX XXXX XXXXXXXX {$160.00}, XXXX XXXX {$2200.00}, XXXX XXXX  {$0.00}, XXXX {$0.00} , 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/2018. NFCU placed a late charge on my account because they claimed I didn't pay the final payment in full, which is utterly ridiculous. Why would pay on time for 35 months and not pay on time the last month due in the amount I had on my schedule to pay? But no one bothered to contact me to let me know the last payment had increased for some odd reason. I have tried to correct this for the past 3.5 years. Their was an error in their system that caused my account to increase verses decrease in the amount of the due amount I reportedly submitted. To no avail they refuse to reverse the error and again recently when I filed through XXXX and XXXX. 

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Equifax via United States XXXX XXXX XXXX Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
1. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX  for XXXX XXXX XXXX  Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX Please see attached files titled " Equifax '' and " XXXX Equifax.pdf ''. I have also attached images of the USPS Certified Mail receipt. 

It has been over 60 days since I contacted Equifax. I have not received any response from Equifax by email or mail. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. 

Another credit reporting agency ( not Equifax ) asked me to contact the vendor, obtain a deletion letter, and send authorization to the credit reporting agency. Please do not ask me to do this. Please forgive me for being utterly exhausted and burnt out. I am so sorry. 

Thank you for your time and attention to this matter. Please investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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 XXXX 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 explanation
Consumer complaint received 2022-05-01 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: ERC
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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 XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX an unlawful inquiry showed up on my XXXX credit report. This inquiry is unlawful because i never authorized it. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, bmo harris is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. Ind. XXXX ) I have attempted to solve this issue myself. Here is what i did. 
XX/XX/XXXX i sent a request for removal to bmo harris through certified return receipt mail. The id is : XXXX. This gave the company 10 days from receipt of the letter to respond. 
XX/XX/XXXX i did not get a response XX/XX/XXXX i have finally had enough time to submit this complaint. 

I know that the company did receive this request for removal, in which i was very specific about the laws they are breaking, so i ask that you reach out to them and push them to complete the removal of this inquiry. 

I have provided all documents needed below. 

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
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just spent {$29.00} to obtain an updated credit score from Transunion. They processed my credit card and didnt provide me a Transunion Updated Score . Transunion also provided inaccurate score from XXXX. This is not the first time that I pay for Transunion worthless services. 

This company have harmed so many hardworking people they should be punished for all the incorrect information they provide to consumer and lenders. 

Transunion is a dishonest company that sells products that doesnt work, a staff that is unhelpful, and provides incorrect financial data. They have been damaging my credit and reputation posting incorrect financial on my profile since 2019. 

Transunion FAILS to provide accurate data. Transunion FAILS to follow the dispute guidelines. Ttansunion website dispute system also doesnt work, and they fail to timely respond customers. 

CFPB PLEASE PROTECT CUSTOMERS FROM TRANSUNION.

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 2022-05-01 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: IL

Complaint narrative:
- [ ] XXXX  XXXX Account number : XXXX - [ ] XXXX  Account number : XXXX - [ ] XXXX XXXX XXXX Account number : XXXX I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit report under Fair Credit Reporting Act ( FCRA ), an item can not be reinstated. Answer my credit report with a written notice by a credit bureau to me within five days of the rain session. I have received no such notice and would like for this item to be deleted this is a violation of my rights. 

Upon deleting this account please send me an updated copy of my credit report with updated leases to the address above. If action is not taken regarding this matter I will forward this copy to the CFPB as well as the FTC and file a formal complaint. 

Sincerely,

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 2022-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: FL

Complaint narrative:
CARMAX AUTO FINANCE Last reported XXXX XXXX, XXXX {$8600.00} Reported balance Highest balance {$16000.00} You've paid off 47 % of this loan OVERVIEW Highest balance {$16000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 2 mos ) Term 74 months ( 6 years )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act INQUIRES XXXX XXXX  ON XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/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

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 2022-05-01 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 INQUIRES XXXX XXXX  ON XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/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

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 2022-05-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act US DEPT OF ED 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hi, I am XXXX. I hope you read my report this time. My mortgage company is trying to charge me for being three months behind on my mortgage. I am only two months behind, I paid in XXXX, didn't pay in XXXX and am unable to pay for this month ...... 

That being said. I am also tring to get CA Mortgage Relief. I applied. Then I check and without out notice I find out that my loan servicer decided to tell CA Mortgage Relief that I was not deliquent in my payments and therefore they canceled my application. I mean make up your mind SPS. Right? 

So, please help this XXXX indvidual who is waiting on the XXXX termination appeals process to get payments in order to pay back their loan servicers. Since I don't have income they refuse to offer me forbearance, but you should re-read the other XXXX complaints I have already made. 

Also, if you have tried to call or anything like that my X cloned/hacked my phone, so I am not guranteed any calls. His name is XXXX XXXX and his wife XXXX XXXX is equally guilty. They probably did something to my bank account as well. 

Thank you for you help so far in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WA

Complaint narrative:
ELAN card services, the servicer of my fidelity rewards visa, continues to decline legitimate transactions. This is apparently due to false positives on their fraud model. I've contacted them multiple times on the past few days, put a travel note on my account and asked to receive fraud notifications. Despite this, they continue to decline transactions without sending me notifications.

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 2022-05-01 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, 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 2022-05-01 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. XXXXXXXX XXXX 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 response to consumer: Closed with explanation