vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items need to be deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-03-22 00:00:00
Product: Credit reporting 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:
I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional 30 days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ID

Complaint narrative:
I am writing to address an issue I have encountered while attempting to create a new account on MOHELA 's recently migrated loan servicing platform. As a borrower of federal student aid loans, I have found that the platform 's forms do not recognize my email address 's XXXX, which is " .XXXX ''. The error message states, " Your Email Address format must be XXXX ''. It is important to note that I have used the same email address with the " XXXX XXXX XXXX  on the previous MOHELA platform without any issues for several years. 

It is my understanding that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is responsible for managing and coordinating the Domain Name System ( DNS ) to ensure that all valid XXXX are recognized and supported globally. My custom TXXXX XXXX XXXX XXXX  is indeed a valid XXXX recognized by XXXX XXXX Therefore, it should be accepted by the new MOHELA platform. 

I am unable to proceed with creating my account as required, which directly impacts my ability to manage and pay my student loans. I have contacted MOHELA customer service on multiple occasions and spent considerable time on the phone seeking a resolution. However, the proposed solution of creating a new email address is not feasible for me. 

I urge MOHELA to recognize and support all valid XXXX recognized by XXXX to ensure a seamless transition for borrowers. I believe that ensuring compatibility with all legitimate XXXX  is crucial to upholding the accessibility and functionality of the new loan servicing platform for all users. 

I kindly request your assistance in forwarding this matter to the appropriate department within MOHELA for resolution. I truly appreciate your attention to this important issue as it directly affects my ability to fulfil my financial obligations. 

Thank you for your prompt attention to 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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I was a victim of identity theft due to someone having a scanner at the gas station pump. I was at the XXXX gas station in XXXX XXXX Georgia and paid at the pump for my gas. After I left there was charges being made to my Card the other side of town at XXXX XXXX XXXX in Georgia with out my authorization. I notified the police and the bank Money Lion and they are still refusing to refund my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX is reporting XXXX mortgage account on my Credit Reports with all Credit Bureaus. This is impacting my debt to income ratio. I only have one account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I went to the Bank of America ATM XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX to withdraw {$700.00}, the ATM machine dispensed {$500.00} and printed {$700.00} receipt to me. 
I immediately went inside the bank to lodge my complain, the manager said I should contact the ATM servicer, I did, they said they would pay the {$200.00} back. 
Few days later they deducted from my account saying that they checked their system, no error ; but {$500.00} was dispensed to me. 
I just need my {$200.00} back into my account. 
Thanks for helping.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
My debit card information has been stolen. Two companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have removed {$4800.00} from my checking account. I bank with Key Bank. I notified them within hours of these charges appearing on my account. This drained my account to below zero and I received a notification of insufficient funds when making a local food order. Key Bank has not returned these funds to my account. My account sits at negative {$620.00} and they are charging overdraft fees at this point. PLEASE HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunnova Energy Corporation
State: PA

Complaint narrative:
I purchased a solar system from XXXXXXXX XXXX  in Pennsylvania. I believe their company was based out of New Jersey. I signed on with a payment plan and a sign on promotion of {$2400.00} and and {$1000.00} referral bonus. Immediately upon signing the finance contract with Sunnova ( finance and warranty company ) and XXXX XXXX the installer XXXX closed. I never received my sign on promotion and referral bonus. Ive reached out to XXXX but they are closed. Ive reached out to Sunnova and they tell me they arent responsible for the promotions. So Im at a financial hardship after only signing this contract to receive the enhanced sign on promotions and now Im stuck in a XXXX contract XXXX cant get out of. I just want Sunnova to make this right and reimburse me for the agreed upon promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Honda through their Acura dealerships and using their website www.acuracertified.com sold me a used car and a loan on that car that was based on a bait and switch advertisement for the car. That is, the foundation of the loan was a bait of a used car at an incredible price. 

Bait and switch scheme is as follows : Honda advertised cars on their website as being available for sale as used certified cars that someone already had a property interest. These advertisements were run with specific VINs for specific cars at the lease purchase price. However, the cars were engaged in a pre-existing lease contract and were being bought at the advertised price by the current lessee. Any inquiry for the car was met with a switch offer from the dealership. The switch would be to car that was in some cases up to {$12000.00} more than the advertised car. 

Basically, Honda and their network of dealers would advertise for sale specific cars with specific VINs as being for sale. However, they were sold exclusively to one party who had a lease end purchase option. These advertisements were nothing but a bait and switch. The whole transaction was made possible using loan from Honda Financial Services. Thus, the foundation of the loan I took was a bait and switch. 

This impacted me in 2023 when i purchased a car from the website on XXXX. I made the purchase using a loan from Honda Financial Services. That is, the basis of the loan was a bait and switch advertising campaign run by American Honda Motor , Corporation, their network of Acura Dealers and also Honda Financial Services which facilitated the deals by making loans once the bait and switch was completed. 

I would like to provide evidence of the bait and switch. I have print outs of the advertisements on Hondas website as well as correspondences with about 20 Acura dealers admitting to the bait and switch. Which is attached. 

The foundation of the loan I took issues by Honda Financial Services was a bait and switch advertising scheme. 


Attached is a list of VIN numbers which were bait and switch. also attached are the advertisements from those cars. Also attached are correspondence from various dealers admitting that the cars were bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check into my relative chase account and they close her account and there hold my funds not trying to void or release the funds when the funds have been cleared. Ive done everything possible to verify myself for chase so Im have this complaint that needs to be seriously looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
Read attached. 
Landlord @ XXXX Apartments XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX XXXX XXXX stole my identity, AZ Drivers license number, social security card, bank information and gave me a FAKE lease in the name of XXXX XXXX XXXX XXXX who is not on the Deed or who owns the leases as owner is XXXX XXXX XXXX XXXX. Landlord, XXXX XXXX does fraudulent schemes and identity theft and stole both our identities to swindle rent money and fake IRS tax write offs are crimes. XXXX XXXXXXXX XXXX said move in special {$500.00} off and I never got that is fraud. XXXX, Landlord received from me {$500.00} security deposit and stole it since XX/XX/XXXX. XXXX stole my electronic signature & charged me a scam, Rent Plus {$8.00} and owes me XXXX {$8.00}. Plus double charge XXXX  XXXX utilities is fraud {$9.00}, Landlord received certified mail from me, a Retaliatory Action Notice. Illegal rent provisions is fraud. XXXX is master metered, XXXX XXXXXXXX lease says individually metered. Landlord does NOT pay City of XXXX rental taxes and charged me & I paid, is tax fraud. Landlord breached Warranty of Habitability, no air-conditioning. On XX/XX/XXXX landlord turned off my HVAC=no heat on XX/XX/XXXX XXXX, 2 fake notices on my front door from landlord=harassment, AZ law says I can move out from the harassment and abuse. All my legal notices to landlord served XX/XX/XXXX moveout. Landlord stole my {$500.00} security deposit. No Debt collector responses, XXXX XXXX XXXX XXXX., XXXX XXXX, attorney, no debt collect response, fake collector and no AZ collector license = XXXX XXXX XXXXXXXX & is a 3rd party. No debt collector response from Sequium Asset Solutions LLC is a phone collector and 3rd party FDCPA violations. I turned them all in to the FTC XX/XX/XXXX for FRAUD.

Company response to consumer: Closed with non-monetary relief