vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2023 I payed XXXX XXXX credit card in the amount of {$2500.00} with the understanding that the account would be closed and all information would be corrected on my credit report. XXXX  MONTHS later its still saying active and past due.

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 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Various dates and amounts around and after 2018 where mortgage escrow shortages were claimed repeatedly. I did not ask for forbearance but it negatively affected my credit. 
I inquired about and unable to get lower interest mortgage rate.

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 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX was repossessed on XXXX of XXXX and seized in the parking lot of my gated community. There was no just cause for the notice or early repossession policy. The car was towed from the property without the keys to the vehicle. There was full coverage insurance on the vehicle as well as new tires and rims that i purchased. The settlement was paid in full and no arrangement was made to give the vehicle back after the auction. The vehicle was arranged to be delivered back after settlement arrangements.

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MO

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In 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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to chase Bank on XX/XX/2023 spoke with XXXX  about a electronic funds withdraw to another person to whom was scamming me she confirmed they could refund the this happened at around XXXX. By the time I was done the bank was closing so I wasn't able to do it that day to reverse the funds. The woman confirmed with me along with a second teller that I was able to refund the amount tomorrow ( XX/XX/2023 ) I went back that day to reverse the funds because I knew this was a scam and fraud. The teller then told me I'm no longer able to do it after that XXXX hour time period was done even after they told me that they would be able to do this. They knew I was being scammed out of this money and I felt as tho I was as well and had confirmed that I would be able to get my money back that day after I knew for sure it was a scam. The branch assistant manager then proceeds with me to assist informing me that there was no way they can help and that these tellers have given me false information. These scammers stole {$2500.00} from my account and put it into there account. The branch assistant manager told me the claims department would be able to help because they deal with all fraud and scams and would send me provisional funds. They did not. I have filed XXXX claims on my account snd they have told me even with police reports there will be nothing they can do as they don't cover scams and will not be refunding my money. I can not stress the importance of this matter enough this money was for me to move and these people that got the money scammed me and pretended to be home owners when they were not. I have already filed with the FTC. I was told by another claims member that if I have the police report they would be able to help. They continue to give me false hope and false information until I reach a claims supervisor. Once spoken with him he told me no matter what happens even with police report and ftc report there is no way they will be giving me my mo ey back. I can not afford to loose this money and will be having to file a law suit against my bank if I can not receive my money back. I will be taking chase to court for lying and giving false information. I am filing a police report for this as well. I have the names date and times of all the tellers and location of the bank. I will be getting there survalnce sent to me to prove that they Gave me this false Information with false hope. Please help me I can not loose any money I need it to move. I am supposed to be moving in XXXX month and that was my moving money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to XXXX multi layered scam operations run by XXXX, which involved me making deposits for a total amount of {$75000.00} from my Coinbase account to fraudulent investment firms..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I paid my settlement and was told that it would be off my credit 30 days after. Its been past 30 days and status on my credit report is paid/settled. I settled this account on XXXX of the amount of XXXX. Its been past and I keep disputing and its not off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist is in willful violation of U.S. Code, Title 12, Chapter 49, 4902 ( Homeowners Protection Act of XXXX ). The company had bought loans from SunTrust Bank and are refusing to remove Private Mortgage Insurance ( PMI ) from a mortgage loan originating XX/XX/XXXX. 

According to law, the PMI can lawfully be removed after the principal amount of the loan is less than 80 % of the value of the home. 

A letter was sent XXXX XXXX, XXXX, to remove PMI from the loan but Truist then sent a reply letter dated XXXX XXXX, XXXX, denying the removal of PMI, stating that they bought the loan with the understanding that it was federally backed. 

Whether the loan was bought out by another company or not has no bearing, as the law pertains to the origin of loan, or initial amortization schedule ( see U.S. Code 4901 for definition of cancellation date ). 

A response was made XXXX XXXX, XXXX, notifying Truist that they are in violation of the law and they had 30 days to comply, per law, which they still have not done.

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 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AZ

Complaint narrative:
For MOHELA- I was proactive and applied for IDR before the start of repayment in XXXX ( XXXX XXXX? ), and also resubmitted when I was told that they couldn't accept the new IDR because I was not due, when I was, and the old plan expired in XXXX of XXXX. I reapplied for IDR in XXXX and told that it would be processed by the late-middle of XXXX, XXXX, but then received notification ( on XXXX ) that it would be up to 90 days for the IDR to be processed. I am also in the PSLF repayment, and was told twice ( once in XXXX and once in XXXX ) that they were going to count the days in the future, but then when I called to find out why I was put on a LEVEL plan, they said that the PSLF certification form was put in denied status. At that point, the service rep put in back as active, and helped me to resubmit an IDR request at that time. I got a bunch of notifications that I was still in the LEVEL plan and when I called back, they said yes, I was in the LEVEL plan, and that I needed to make a payment in XXXX, to a new date that I didn't request. I had requested back in XXXX for a payment date change to the XXXX of the month, but that was never looked at by the company. When I called XX/XX/XXXX, they reprocessed the date to the XXXX of each month, but didn't notify me at all that it had already been done ( why wasn't it processed automatically in XXXX? ). They also had told me that while they were processing my IDR, they would put me an administrative forbearance, but that didn't happen. Nothing is processing, NONE OF ANYTHING is being counted to my PSLF, which I need XXXX more payments to complete, and today ( XXXX ) they said that they'd put me in a processing forbearance, but that hasn't happened, either. I asked multiple times for a detailed summary of what we discussed during my calls but they refuse to do so. So now I don't even know where anything is, what I am supposed to do, other than watch for the next email to say what ever it is that they are doing with my account. Each time I call, it gets worse, not only the information, but the customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital 1 is discriminating against a XXXX person in California. I am a protected class of citizen under California Law, thus have discrimination charged to file against D, as Capital one is refusing me to access my online accounts to my primary checking account and 4 credit card accounts leading to damages, as can not access as capital one is primarily a online bank.

I provided documentation of my XXXX XXXX XXXX XXXX, XXXX XXXX is one and the same as XXXX XXXX XXXX in a court order XXXX XXXX filed in 2018 in California, yet capital one is defrauding me insofar as I do not have access to my accounts online, leading to harm, thus I have damages for a tort case.

As I was a XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I know credit card fraud. They allege I am committing credit card fraud or the like and preventing access when I gave them suitable information, thus liable for defamation, discrimination and other torts thus I have civil remedies by filing a civil unlimited court action in XXXX XXXX, Municipal court. 

As I was an expert XXXX XXXX in the courts, will be able to act as my own attorney and articulate my damages to a jury. 

Also, I need to official service of process in California as Capital One is doing business in Ca and they have to have a proper custodian of records on file with the California Secretary of state for proper service of process. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my personal consumer report which I acquired from your organization and I noticed that there are unauthorized inquiries, inaccurate accounts and Personal information that's inaccurate and not placed not by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I checked my personal consumer report which I acquired from your organization and I noticed that there are unauthorized inquiries, inaccurate accounts and Personal information that's inaccurate and not placed not by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I have been paying on all of my accounts monthly and my credit score has not moved. XXXX XXXX XXXX has taken my score down because I have reported the unlawful things they have been doing to DIFs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been paying on all of my accounts monthly and my credit score has not moved. XXXX XXXX XXXX has taken my score down because I have reported the unlawful things they have been doing to DIFs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit 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: DISCOVER BANK
State: GA

Complaint narrative:
I contacted them the day the charge was put on my statement, which was on XX/XX/2023. I asked them to freeze my card, they did, but they money was pulled out anyway. I asked them again XX/XX/2023, to dispute the charge, they put a temporary credit on the account and then reversed it in favor of the 24-7 towing. I told them they never came or preformed the service. They told me because of the cancellation policy 24-7 towing had they validated the charge in favor of them. I never received a confirmation number from the 24-7 towing, only a text asking me if I cancel the service, and I relied " Yes ''. I asked them for a confirmation number and I never heard anything else. I told this all to Discover, but they voted in favor of this company. I asked for the invoice from 24-7 towing sent them and Discover never sent it. They told me to file a complaint with GA State Attorney 's office. So I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Built Homes LLC
State: LA

Complaint narrative:
A Insurance claim filed/paid to United built Homes for repairs to my home in 2001 and till this day they are still holding the funds and my home has yet to be repaired.Every contractor has been ran off because they refused to pay them.

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 2023-10-11 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
My old navy Barclays card. 

I made the payment online and their system was having technical issues and the payment did not come out of my account causing me to improperly get a 30 day late on my credit card. This was not my fault. I am humbly requesting for this 30 day to be removed or not reported to the credit bureau.

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