vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America prepaid refuses to return all my money clearly violating there own policy it's my XXXX  and there treating me like a criminal... ..I have filed several claims with these people.. I have been XXXX, homeless, starving and stranded because they don't want to pay.I filed a claim months ago now some of the claims are lapsed and they won't I'm in XXXX Missouri, not Iowa not California ... .The amounts and dates they refuse to pay for are XXXX XX/XX/XXXX Iowa,XXXX  {$600.00} CA,XXXX {$200.00}, {$200.00}, {$77.00} Iowa XX/XX/XXXX {$300.00}, {$300.00} , {$23.00}, XX/XX/XXXX XXXXiowa, XX/XX/XXXX {$200.00}, {$200.00} Iowa, XX/XX/XXXX {$200.00} XXXX XXXXiowa This was just the half they won't pay they gave me {$650.00} like that was gon na make me happy or something.They refused payment twice and I got ta keep filling for it

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 monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX Santander Consumer Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX. 

To whom it may concern this letter is regarding the account listed above, which you claim is a collection that i have with your company. 
I am requesting validation made pursuant to the fair credit act non compliance please remove from my credit. 
I demand proof that the repossession of the subject vehiclewas legal in accordance with the following UCC : 9-506 effect of errors or omissions- not received 9-611 notification before disposition of collateral- not received 9-612 timeliness of notification before disposition of collateral-not received 9-613 contents and form of notification before disposiion -not received 9-616 explanation of calculation of surplus of deficiency - not received you are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle ( ucc9-627 ) If no such is provided withn 16 days of the receipts defiency will be considered null and void. 
According to the fair credit act section 611 ( 5 ) ( A ) you are required to promptly deleteall information that is inaccurate, incomplete, which can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To whom it may concern : Be advised this is not a refusal to pay, but a notice that this claim is disputed, and validation is requested. Under the Fair Debt collection Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe LVNV FUNDING LLC. I am requesting proof that I am indeed the party you are asking to pay this debt, {$130.00} and there is some contractual obligation that is binding on me to pay this debt to LVNV FUNDING LLC. 
This is NOT a request for verification or proof of my mailing address. This is a request for VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) of the FDCPA, Validation of Debts. I respectfully request that LVNV Funding LLC provide me with competent evidence that I have any legal obligation to pay. Second, FDCPA15 U.S. Code 1692c ( a ), Communication in connection with debt collection, states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given LVNV Funding LLC the above written consent to contact me in connection with the collection of any debt. I do not have signed contract with LVNV Funding LLC and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize LVNV Funding LLC to have access to my personal information. This information collected by LVNV Funding LLC is a gross and tortious effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this alleged debt. Specifically, there does not exist a written contract signed by both parties and me as specified in the XXXX of XXXX creating a contract that obliges me to LVNV Funding LLC. I request LVNV Funding LLC provide a signed contract between me and LVNV Funding LLC regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove all items totaling {$130.00} from credit reporting agencies, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
XXXX reported incorrect information to Citibank when I applied for a personal credit I sent a letter to XXXX about the issues but nothing has been resolved

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Date : XX/XX/2022 Amount : XXXX Creditor is XXXX Citi Bank N A This Company Has Not Written Consent From Me. 

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 consent.

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 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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I might be moving and will need my credit above a certain limit to apply for certain apartments. My credit score with Experian was above, but close, to XXXX of the common minimums rental agents want to see. Several weeks ago, I applied for an apartment and my presumption is that the agent ran my credit. 

A few weeks ago, Experian reduced my credit score by 14 points, dropping me 6 points below that common minimum threshold. Experian is no longer recognizing XXXX of my XXXX credit cards, which comprises 25 % of my available credit but which I don't often use, and this failure on their part may factor into their new score calculation. Notably, XXXX and XXXX both acknowledge that credit card and my scores with those bureaus are higher. Another factor in the calculation is probably my credit usage, which had increased but then paid off a couple weeks later. Of note : a day after that balance was paid, Experian sent me a notification that my credit score had increased, but when I checked, my score was still the same. 

After Experian decreased my credit score, they began sending me marketing emails to sell me a new credit card. Their inducement is that I can raise my credit score by opening a new credit card. Before they decreased my credit score t

hey were not sending me these types of emails with any such frequency. I believe Experian has made an inference about my current need to make use of my credit score, and has manipulated my credit score in order to sell me financial services. I believe Experian is prioritizing my credit score remaining slightly below threshold, as a lever by which to manipulate me, over accurately and timely calculating my true score which would restore my credit to above that threshold commonly used by rental agents.

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX XXXX XXXX with account # XXXX 2. XXXX XXXX XXXX with account # XXXX 3. XXXX XXXX with account # XXXX 4. XXXX XXXX XXXX XXXX XXXX  with account # XXXX 5. XXXX XXXX XXXX XXXX with account # XXXX 6. XXXX with account # XXXX XXXX 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 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 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 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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX XXXX XXXX with account # XXXX 2. XXXX XXXX XXXX with account # XXXX 3. XXXX XXXX with account # XXXX 4. XXXX XXXX XXXX XXXX XXXX with account # XXXX 5. XXXX XXXX XXXX XXXX with account # XXXX 6. XXXX with account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 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 2023-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
We started a construction loan/mortgage with XXXX XXXX ( now First Merchants ) in XX/XX/2022. The loan officer ( XXXX XXXX ) strung us along with false information and promised closing dates that did not happen.

We escalated this issue at the bank and eventually the loan was closed but : * It closed several months after promised closing * We were forced by the bank to pay off some current loans which took away cash we had saved for the house build, made us lose cash discounts and increased the amount of money we had to finance with the bank * We were forced to pay off our son 's student loan ( we were co-signers ) and he may now lose out on {$10000.00} of forgiveness.

Once the loan was closed, it was nearly impossible for me to pay. I requested online access several times and was told they could not authorize our online account. I went into a physical XXXX XXXX ( now First Merchant 's ) branch and three different bank employees told me they could not figure out how to take my payment because they were not sure if it was a construction loan or mortgage. I did have loan statement with me including the account number. 

It took the bank multiple requests to pay out the final draw our builder which out us in a bad situation. Our builder is a client of mine and this incompetence put my business at risk. 

XXXX XX/XX/XXXX, we received an email from the bank ( XXXX XXXX ) stating our loan was rolling over from a construction loan to a mortgage and we needed to submit {$11000.00} immediately to roll over the loan. We were told no payment was due for XXXX or XXXX and our first payment of {$3300.00} would be due XX/XX/XXXX. 

We jumped through hoops to come up with {$11000.00} with about 48 hours ' notice and sent it to the bank. 

Last week, my husband and I did a conference call with XXXX XXXX XXXX ) who stated we did not make our XXXX payment. We explained the situation to her and sent her XXXX XXXXXXXX XXXX  contact information. XXXX stated she would get this figured out, put it in a holding pattern so it was not reported to the credit bureaus, and she stated she would " do what she promised '' and call us back with an update. We have never heard back from her. We also just received notice that this was turned into the credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I received an email from Ally Finances/ Ally Auto that I had entered a 4 month catch up plan. On the plan it stated that I would pay my monthly bill of XXXX plus extra to catch up on miss payments for XXXX and XXXX. The email states that I have payment would be made the XXXX of each month and I would return to regular payments once the plan was complete. I paid XXXX each month through ach payments. Completing my plan on XX/XX/XXXX. Last week I noticed I was receiving calls from ally. Today on XX/XX/XXXX I received a call that I was XXXX  days behind on my payment for XXXX. They stated that my catch up plan caught me up until XX/XX/2023 even though the catch up plan ran til XX/XX/XXXX. they said they received my confirmation for my catch up plan on XX/XX/XXXX but I also owed a bill for XXXX thats XXXX dollars. I feel my agreement was broken as they explained that I was not paying the principle of XXXX each month and that the plan covered the months before. So my XXXX payment went toward XXXX and so on. This does not align with what I was told over the phone and what I viewed on my account when the payment was confirmed. I was told my regular payments would start back in XXXX after my catch up plan was complete but they started in XXXX. Meaning I would have to pay my catch up plan bill of XXXX and another bill for XXXX thats XXXX on top of lates fees. The catch up plan essentially did not catch me up. I called, chatted and sent a secured message via chat. I requested to see documentation of the original agreement and they said they cant give me that information. I am very upset and feel mislead. When I entered the agreement I was not told that my principle of XXXX would be applied to the month before that and I would have to make XXXX payments in XXXX. I have had an extension before and payed on time resuming regular payments with no problem. At the least I would like to see the original plan details and know why it was explained to me differently over the phone when I requested.

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 2023-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I did not consent to authorize nor benefit from these account ( 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 2023-06-11 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: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet has been reported to the credit bureau late payments when I was on a forbearance plan with them. They have reported 6 late payments which it shows I was on Income based plan with them as well as the COVID-19 forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: Contemporary Information Corp
State: FL

Complaint narrative:
I FIND THAT CONTEMOPORARY INFORMATION CORPORATION IS STILL BEING WILLFULLY NEGLECTFUL IN PROPERLY INVESTIGATING MY CONSUMER FILE. 

I requested that it be forwarded to me any supporting or justifying documents Contemporary Information Corporation as on my file that ALLOWS THEM TO report this alleged eviction, as requested in my initial communication. This has been an infringement to my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
this company is not following the laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In accordance with fair credit Reporting act XXXX  Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. XXXX 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 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 2023-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In my pursuit of accurate and fair credit reporting, I have encountered a series of unresolved inaccuracies in my credit report furnished by TransUnion. Despite my repeated attempts to dispute these errors, my efforts have been dismissed, resulting in the sustained presence of these inaccuracies. 

I first discovered these erroneous entries on my credit report, which comprised of several accounts and XXXX public record that I do not recognize or claim ownership of. The accounts in question are listed under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX separate instances ), XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Furthermore, there is a public record associated with XXXX XXXX XXXX XXXX that I dispute. 

I immediately raised a dispute with TransUnion, requesting them to investigate these inaccuracies. However, despite my initiative to correct these issues, TransUnion responded stating that these items have already been investigated and were verified as correct. 

This prompted me to send several dispute letters XXXX XXXX XXXX emphasizing the urgent need to rectify these errors. I clearly stated my intent to file a small claims suit should the inaccuracies persist. 

TransUnion 's failure to properly reinvestigate these disputed items and to maintain accurate credit information is in violation of the Fair Credit Reporting Act. The continued presence of these inaccuracies on my report has caused undue financial and emotional distress and has detrimentally impacted my credit opportunities. 

I hope this complaint can lead to a thorough investigation and prompt resolution of these inaccuracies. I am also seeking damages for the financial harm and emotional distress caused by TransUnion 's failure to comply with federal laws.

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 2023-06-11 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple sacs credit card reported never receiving payments my account was on autopay. After my XXXX was sold I had no way to access this card company account because it was XXXX only platform. I was not aware the card was being used and to my knowledge I had erased my information. From the XXXX however Goldman sacs calls me every day with new balances owed. The auto payments were taken out of my account but I somehow have a new balance of {$800.00} after disputing charges I wasnt able to access or see and talking to them the balance was at {$0.00} and closed. Now theyre reporting past due balance!

Company response to consumer: Closed with explanation