vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CADENCE BANK
State: MS

Complaint narrative:
I am filing this complaint against Cadence Bank regarding the mishandling of my VA Home Loan application, which has led to significant financial loss and undue stress.

Here are the details of my experience : Timeline of Events : XX/XX/2023 : I applied for a VA Home Loan with Cadence Bank. 
XXXX XX/XX/2023 : I closed on the VA Home Loan with Cadence Bank.

Throughout the Process : I repeatedly informed Cadence Bank about my pending VA XXXX status, emphasizing the importance of this information for the loan process. 
XXXX XX/XX/2023 : I completed and signed a VA Form XXXX ( XXXX XXXX XXXX ), as requested by Cadence Bank . However, this form was never submitted to the VA.

Issues Encountered : Failure to Submit Form XXXX : Despite my completion and submission of VA Form XXXX, Cadence Bank failed to forward this crucial document to the VA. As a result , I lost the opportunity to be refunded my {$7000.00} lending fee. 
Poor Communication and Service : The interaction with the VA underwriter from Cadence Bank was consistently frustrating and unhelpful. The VA underwriter repeatedly attempted to delay the closing process citing my pending XXXX status. This behavior, in hindsight, should have raised red flags regarding their competence and adherence to proper procedures. 
Lack of Compliance with Circulars : Cadence Bank neglected to adhere to Circular XXXX, which outlines the appropriate procedures for VA Home Loan applications. Had they followed these guidelines and submitted the necessary paperwork, I would not have been charged a lending fee in the first place.

Denied VA Funding Fee Reimbursement : Despite my efforts to rectify the situation, the request for reimbursement of the VA Funding fee was denied. This denial was a direct result of Cadence Bank 's failure to follow proper procedures, rendering the process retroactive and leaving me unable to correct the error and receive the refund from the VA.

Conclusion : Cadence Bank 's mishandling of my VA Home Loan application has caused significant financial hardship and emotional distress. Their failure to submit essential paperwork, communicate effectively, and comply with established circulars has resulted in the loss of a substantial amount of money that I am entitled to as a XXXX veteran. I urge the CFPB to investigate this matter thoroughly and ensure that appropriate actions are taken to rectify the situation and prevent similar incidents in the future.

Attached Documents : VA Form XXXX ( XXXX XXXX XXXX ) Circular XXXX Document showing the denial of VA Funding fee reimbursement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I keep getting emails, almost on a weekly basis, from cashnetusa to an email address I no longer provide to anyone claiming I applied for a loan and was declined.

I have not applied for any loan and I tell them I have not applied and have even submitted a police report to my local police for ID theft.

They reply saying they can not find my application but I am replying to an email they sent.

They claim they have blocked my email address yet I still keep getting these fraudulent application results.

none of the applications are showing up on my credit report and the names they are using for me are not my name but offensive terms.

Clearly there service is being used to harass me by someone who has been stalking me for years.

All of their continued emails despite me telling them to stop is also a can spam violation.

the email address they are sending this to is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The company Santander keeps harassing me for a vehicle I turned in in XXXX for unfair business practices. they were raising the balance and keeping it the same price for over a year. The company XXXX  XXXX XXXX hid the percentage till I signed the contract claiming they were helping me out, but screwing me with a 29 % interest rate. I was paying on time and more in the beginning but the balance didn't change. Which was stressful throughout the years, I voluntarily returned the vehicle to the company, which sold it for {$4000.00}, and still tried to charge me {$10000.00} after I had made over {$8500.00} in payments during the time I had the car. That's why I thought it was unfair, late payment or not the balance shouldn't be the same from the beginning. I think and feel this business practice should be illegal as a form of oppression in keeping innocent citizen who wants to fix their credit in debt. I will see through my paperwork if I still have the original contract, back in XXXX to show how much I paid initially but none of it was applied to the debt. Which was the first sign of fraud to me. I would like someone to investigate every company that was involved, and how many customers suffered the same problems with these three companies. 


My XXXX XXXX XXXX # XXXX The company is Santander Consumer USA and the Debt collector who revived the case is XXXX XXXX XXXX. 
XXXX the company that initializes this loan XXXX XXXXXXXX XXXX and the Car initial Price was {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-28 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: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-28 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and my name is XXXXXXXX XXXX XXXXXXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-28 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: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I requested a balance transfer in the amount of {$9300.00}. The charges ( {$9300.00} ) and fees ( {$460.00} ) were applied to my card on XX/XX/2024. I checked my account on XX/XX/2024 and again on XX/XX/2024 and the money had not been deposited, so I called Wells Fargo to ask why. I also asked if I could pay off any other balance that was on the card I was told no, so I told the customer service person that I would like to cancel the transaction and was told that I could not cancel it as it had already processed. I explained to them again that I had not received the funds, they had only charged me for the funds. I was send to a second level person and at that time as was told yes I could pay off my card and was put on hold. After being on hold I was disconnected from their end. I called right back and explained the whole thing again, they said they would have someone call me back that day because I knew if they didn't the money would probably be sent to my account the next day and they wouldn't help me then. I was told they would and it didn't happen. I called the next day XX/XX/2024 after not receiving a call back again. I was told they could undo the transaction because I already received the money and they would refer it to another department that would mail me their answer. The letter did not rectify the issue.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: NEXBANK CAPITAL, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX  I attempted to open a XXXX  year CD with NexBank. After entering all the information required I got rejected and sent to a rejection page and receiv

ed and email stating that The bank account and routing number you provided may have been incorrect, or you may not have had enough money in your funding account to cover the transfer to our bank. I am highly confident that I entered all the information correct as I had my checking account open in another tab and I was copying and pasting the account information to ensure there were no errors. I also certainly had the money to fund the account. If it truly was incorrect account information entered the bank should have given me an opportunity to re-enter the information.
Further the bank provided different numbers to enquire about the rejection XXXX number was on the webpage rejection and the XXXX  in the email rejection. I called both numbers and got no answer.

Concerned that this could be scam and my account and personal information could be compromised I immediately moved my funds. I also was compelled to open the CD with my current bank at an inferior APY ( 5 % vs 5.5 % offered by NexBank ) to ensure the safety of my money and to protect against a rate change.

I emailed the bank at the email provided in the rejection email on XX/XX/2024 at XXXX XXXX and have neither received an acknowledgment of receipt or a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This exact debt was reported by another collection company in XX/XX/2023. I contacted other debt collector and was notified the debt was reaching it's 7 year deadline. I opted not to pay. Company deleted account due to being non collectible after 7 years. New company reports debt with no notice to me and knowing debt is over XXXX XXXX XXXX and non collectible.

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 2024-02-28 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a, it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX, and TransUnion being consumer reporting agencies, are obligated to uphold these standards. As a consumer, I assert my right to ensure that my private information is not shared, which is reinforced by 15 USC 6801. This statute emphasizes that financial institutions, including furnishers of information to credit agencies, have a continuous obligation to respect the privacy of their customers and safeguard their nonpublic personal information.

Section 15 USC 1681 section 604a ( 2 ) states that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. However, neither XXXX, XXXX, nor TransUnion, nor the furnishers of information to credit agencies, have obtained my written consent to furnish my information. Therefore, any purported consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing consumers with an explanation of how they can exercise their nondisclosure option. However, I was never informed of my right to exercise this option by the furnishers of information to credit agencies.

Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization under subsection ( b ). The account in question is an adverse item being reported without my permission, which violates this provision.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX, XXXX, and TransUnion are thus failing to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations of FCRA sections 1681c and 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I hereby exercise my right to opt out of XXXX, XXXX, and TransUnion 's reporting services.

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 2024-02-28 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I sent XXXX Experian, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name nor replied back to me. I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is my only name and my only address. I have uploaded my Identity theft Report to this complaint today as well.

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 2024-02-28 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: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-02-28 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: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation