vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
To whom it may concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file an urgent and distressing complaint against InstaLoan XXXX XXXX XXXX FL, concerning their predatory lending practices and the devastating loss of personal property, including cherished keepsakes of my late wife. 

In a period of financial hardship, I was coerced into taking out a title loan with InstaLoan to pay off an amount of {$2500.00} within 30 days. The terms were designed to exploit vulnerable borrowers, imposing an exorbitant {$300.00} reactivation fee every month if it can not be paid in full, rendering it virtually impossible to repay the loan on time. 

As fate would have it, I was unable to meet the stringent repayment schedule, leading to the repossession of my vehicle. But the anguish did not end there ; upon the repossession, InstaLoans tow service, who had possession of my vehicle for less than XXXX XXXX, took it upon themselves to clear it of my belongings. I recently became homeless so there were many things of value inside of it. It included work tools that have disappeared, {$300.00} sunglasses that I never received and keepsakes from my wife who passed away exactly a year prior. They gave me no time to come there and remove my belongings. 

Of utmost heartbreak is the loss of irreplaceable keepsakes that once belonged to my beloved wife, who XXXX XXXX XXXX. These cherished items held immense sentimental value and were an irreplaceable connection to her memory. It is nothing short of devastating to know that they have been carelessly destroyed, tossed into big black garbage bags without any regard for their significance. 

Furthermore, InstaLoan violated my rights by disposing of my personal property without proper notification or a reasonable opportunity to retrieve my belongings. I reached out within XXXX hours of the repossession, only to be met with the agonizing revelation that my keepsakes were already in black garbage bags. 

I implore the CFPB to investigate the predatory lending practices employed by InstaLoan, which led to my financial distress and the loss of my treasured belongings. This distressing experience has left an indelible impact on my emotional well-being, amplifying the grief of losing my wife and causing further hardship. 

I earnestly seek justice and restitution for the wrongful actions of InstaLoan, urging the CFPB to take decisive action to prevent such predatory practices from harming other vulnerable individuals in the future. 

Please, help bring attention to this disheartening situation and hold InstaLoan accountable for their egregious actions, ensuring that no one else has to endure such emotional suffering and property loss in the pursuit of fair treatment and justice. I am considering legal action as well. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: NC

Complaint narrative:
I am writing to EQUIFAX with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BHA Services
State: TX

Complaint narrative:
I don't owe XXXX XXXX any money and I don't have an account with them

Company response to consumer: Untimely response
Consumer complaint received 2023-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: HI

Complaint narrative:
I changed the type of repayment plan on studentloan.org to the one President Biden made recently. 

The system said something like " because your loan servicer doesn't participate in electronic exchange of information you have to manually print all the documentation out and mail it. '' This causes an undue financial and temporal strain on me. 

What law allows them to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Someone has been applying for credit in my and its not me. My score has went down from this and I need it fixed ASAP

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 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-08-01 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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XX/XX/2023, I contacted PNC to close my mortgage escrow account. I received a letter from PNC, dated XX/XX/2023, approving my request to close the escrow account. They mailed me a consent form that I was required to sign and mail back, and they asked for a fee ( {$69.00} ) to close the account. I signed and mailed the consent form back to PNC, and wrote to them that I would not pay a fee to close my escrow account, as the account itself currently has a positive balance, and there is no reason that they should charge me a fee to close it. I suspect that in requiring a fee to close my escrow account, PNC may be engaging in illegal business practices. 

This is the first time that a mortgage company has ever asked me for a fee to close an escrow account, and I find it highly suspect. In addition, I find the process required for closing the account, which involves paperwork being mailed back and forth, unnecessarily cumbersome, and in sharp contrast to industry best practice, which is for an escrow account closure to occur 100 % electronically. I suspect that in keeping the process paper-based, PNC hopes to discourage its customers from closing their escrow accounts. This may be legal, but it is certainly very unsavory. 

To date, I have not heard back from PNC. My escrow account has not been closed, nor has the balance refunded to me, despite PNC having received my signed consent form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXXXXXX XXXX, I went to finance a auto at a dealership. I was already pre-approved from a certain lender, however, the dealership ran my application to other lenders. Bank of America Auto finance was one of them. Bank of America immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.

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 2023-08-01 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 — Their investigation did not fix an error on your report
Company: American Management Services, Inc.
State: TN

Complaint narrative:
XXXX is reporting inaccurated and false collections on my consumer report from American Management Service the original creditor is XXXX XXXX ( acct # XXXX ). I do not nor have I ever had a contract with this collection agency or the original creditor. I requested a copy of the original contract from both parties and neither was able to do so. I also did my research on American Management Service which is not only not authorized to collect a debt in the state of Tennessee but in any state. Proof is attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CL Holdings LLC
State: LA

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS SOLD A DEBT TO XXXX XXXXXXXX ATTORNEY IN XXXX LOUSIANA FOR A CREDIT CARD TAKEN OUT IN MY NAME WITHOUT MY CONSENT. I WAS NOT AWARE OF THE CREDIT CARD UNTIL I WAS SUBPOENAED TO COURT FOR A SUMMARY JUDGEMENT OF THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase erroneously rejected a wire transfer into my bank account, then charged the sender ( a family member ) {$50.00} for the rejected wire transfer. This was verified by the VP of the sender 's bank, but Chase refuses to do anything about it, and will not even discuss giving it back. Multiple calls with Chase reps and supervisors refused to discuss any process for refunding the erroneous fee, even if we get the sending bank involved in the discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Friedman & Associates, LLC
State: MD

Complaint narrative:
I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have an account that shoiuld not be on my credit report. I have a letter of removal from the company stating that the account has been closed and no longer reporting on my credit report. I am needing Transunion to update their records as requested by the company.

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 2023-08-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX ( Original Creditor : XXXX ) XXXX {$280.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information with transunion. this has been a issue that needs to be resolved asap. ive listed all invalid data to all 3 credit bureaus to get updated an cleared. this is my 2nd attempt to delete the following. please review an remove all requested items to clear my credit report asap.

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 2023-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
After XXXX years of homeownership with this company, you can have your home appraised again and apply to have PMI removed. I went through this process and they sent out a guy and he appraised my home 5 % over the two year period ( {$310000.00} to {$330000.00} ). Yet, if I go on their website and evaluate my home using their tool it comes in at {$430000.00}. While, I think that is a bit high, it's certainly not uncommon either in this market that exists. 

Upon rejection of my first request they told me to find evaluations and submit them. Iwent to the XXXX XXXX Auditor site and did my best to try and find comparables. They of course came back and rejected all my evaluations and they would not remove PMI. 

Last, I asked if I could hire my own independent licensed appraiser and pay for an independent appraisal of my house and they said No once again. I strongly believe the person they sent to my house was obviously working in their favor, I get it. Here is one of many example that occur in this marketplace. A home XXXX doors down from me recently sold. It had no updates, except a fence in the back yard, which by the way I added as well and twice the size in that 5 % evaluation above. The house sold XX/XX/XXXX for {$230000.00} which was {$17000.00} above asking price. On XX/XX/XXXX the same house with no additional updates sold for {$290000.00}. A 24 % increase in XXXX  years on a XXXX XXXX XXXX XXXX My house is a XXXX XXXX Bath updated house with a full finished basement in a culdesac and bigger lot. Yet, somehow my house is the only one in America that has not appreciated with the rest of them. I would guarantee a listing of my house at {$390000.00} would have multiple offers and no problem with a real appraiser evaluating it. In addition, I would bet if I wanted to refinance my house with a cash out offer, PennyMac would use that {$430000.00} evaluation on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
On XX/XX/2023, I went to finance an auto at a dealership. I was already pre-approved from a certain lender ; however, the dealership ran my application to other lenders. Stellantis Financial Services , Inc. was one of them. Bank XXXX XXXX immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.

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 2023-08-01 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: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
On XX/XX/XXXX spoke with XXXX, XXXX XXXX, and XXXX  about disputing charges. 
XXXX said I couldn't dispute more than one charge at a time. 

I have several to dispute, which are listed below : 1. XX/XX/XXXX XXXX {$100.00} 2. XX/XX/XXXX XXXX  {$150.00} 3. XX/XX/XXXX XXXX {$31.00} 4. XXXX Return Payment {$35.00} 5. XX/XX/XXXX Return Check {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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