vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I took an Auto loan from Chase Auto for approximately XXXX, *** dollars for XXXX XXXX XXXX  on the XXXX of XX/XX/2022. 

After that, I paid them approximately XXXX dollars bringing my principal down to the amount XXXX, ***. 
Looking at the higher interest rate charged by Chase auto at 3.99 %, I refinanced my loan with XXXX at 1.49 % on XXXX XX/XX/2022. 

After that XXXX sent the check for the payoff amount {$46000.00} to Chase Auto to close my account. On XXXX XXXX chase auto received my check and closed my account stated as paid in full. 

I continued paying XXXX, my monthly installments. 

On XXXX XXXX, I received a call from JP Morgan chase that I have not been paying my installments. After the confusion, I filed a complaint with XXXX. XXXX from the Executive branch was assigned to my case and he confirmed that Chase did a mistake on XXXX XXXX and sent the check back to XXXX without informing me and they did not realize that until XXXX XXXX that they have sent the check back. 

After that, I informed XXXX about it, and they started the process of canceling my loan affecting my credit score. 

Now, my loan is back to Chase Auto and I am liable to pay higher interest again. why? because chase auto did a mistake? 
I was willing to live with it, and paid them XXXX $ as the last 4 months ' payment and charged me XXXX $ interest for that amount, and deducted the least amount from my principal. 

I want chase Auto to match my interest rate of 1.49 % and also to fix the interest they charged me for the last 4 payments. 
Everything is caused by Chase Auto here, alot of confusion, wishy washy answers and trying to hide whatever they can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
The company just put something on my credit report that I didn't know anything about haven't heard anything about this debt and when I tried to contact the original owner of the XXXX they have sold their business and merge with another so they no longer had any of the information to give 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 2022-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor ARMY/AIR FORCE EXCHANGE has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose. 


Resources : 1. 15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX 2. 15 U.S. Code 1666b - Timing of payments | U.S. Code | US Law | XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-09-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX  and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am a customer of Wells Fargo bank and am also filing a complaint against Wells Fargo Bank who refused to pay me {$940.00} in compliance with garnishment order from the US District of Maryland against a company that has a checking account at Wells Fargo Bank named XXXX XXXX XXXX. The background on the garnishment order is that XXXX XXXX XXXX violated XXXX XXXX and after I blew the whistle on them in XXXX I won the case at OSHA where it was heard, and the Secretary of Labor ordered XXXX XXXX XXXX to pay me a sum well over {$28000.00} but XXXX XXXX XXXX didn't pay me anything so I began collection proceedings in the US District Court in Maryland and received a judgement in my favor of {$36000.00}. I then applied for and received the attached garnishment order that I sent to Wells Fargo Legal Order Processing, their number is XXXX case number XXXX but unfortunately XXXX XXXX XXXX only had {$940.00} in their Wells Fargo checking account at the time. Wells Fargo Bank froze that amount but did not send me anything claiming I needed a second document signed by The US District Court of Maryland called a pay out order. My attorney says that it is not feasible or legally necessary to get a document called a pay out order signed by a Federal judge and all Wells Fargo Bank needs is the payee, me, and a validated garnishment order. This back and forth has gone on for months since Wells Fargo Legal Order Processing received the garnishment. I am filing this complaint because I need you to step in and speak to Wells Fargo about the legality of their actions because it appears that they are not in compliance with a Federal court order. Thank you.

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 2022-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ENSURE HOME LOANS LLC
State: GA

Complaint narrative:
The complaint XXXX raised against XXXX was closed because XXXX  pointed the issue towards origination and that is Ensure homes.So raising this complaint. 

We went through 2 weeks of severe mental stress and loss of health because of negligence by Ensure home loans. We also ended up paying higher interest rate of 3.75 % versus 3.25 % which was originally promised to us, Ensure did not close the house on the scheduled date nor communicated to me in advance that we will not meet the closing date. Me and my family was in panic mode and was in stress to loose {$25000.00} earnest money. We were are sellers mercy. 

Below are the details of the problem : We were referred to the XXXX XXXX organization -Ensure Home Loans LLC by our realtor and we started working with them from XX/XX/XXXX. This company with our permission, locked the Interest Rate for the home purchase with XXXX XXXX at 3.25 % for 30 year loan -7 1/2 ARM with 20 % down payment. We got the appraisal report from XXXX XXXX  on XX/XX/XXXX for home ( XXXX XXXX XXXX XXXX XXXX  XXXX ) appraised for {$960000.00} with sale price being {$910000.00}. We also got the closing disclosure issued to us by XXXXEnsure Loans on XX/XX/XXXX on-track for scheduled closing date XX/XX/XXXX. XXXX/Ensure did not provide final CTC ( Clear to Close ) and we could not close the home as scheduled on XX/XX/XXXX. We did not get any information from them on the problem or the ETA to fix the problem. Finally on XX/XX/XXXX ( after 2 days of passing closing date ) we were told that the XXXX team got the appraisal report changed by same appraiser to {$800000.00} from previous {$960000.00}. Our family went through severe stress for 2 weeks as we were told to lose the XXXX XXXX earnest money, not knowing if we will be buying this house. Finally I had to take the problem on my shoulders to escalate the bank via emails via XXXX to XXXX XXXX XXXX presidents of XXXX to get some attention from XXXX. They apologized for the service breakdown and revised the product and finally I ended up paying higher interest rate and additional PMI every month. 

Questions : 1. Why no one from Ensure Home Loans or XXXX were worried about NOT meeting the closing and why are they so careless that the customer might loose {$25000.00}? 
2. Why was I not informed in advance that we will miss the closing date? 
3. Why was I not communicated on problems in appraisal report in advance? 
4. Why was the appraiser asked to change the home value by {$160000.00}? That too the same appraiser within the span of 10 days? 
5. How are we going to compensate the severe mental stress I went through for 2 weeks and financial loss due to institution 's negligence?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 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: AL

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 SE 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 an account without my written instructions/consent. 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 2022-09-29 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 — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
PenFed is reporting a credit card ( XXXX XXXX # XXXX ) to the credit bureau. I went to PenFed in XXXX XXXX last year and told them that PenFed is reporting a credit card that I don't recognize to the credit bureau. They told me that all my account are up to date in good standing. I gave then a copy of the report and then they started the investigation. A few month ago they recognized that there was a flaw in the sistem and they corrected the issue. PenFed again this month reported it as un paid amount around {$60.00} and with interest is close to {$290.00}. This acount appears for the first time in my penfed account a few weeks ago. All my PenFed account are up to date except that one they add to my account, I have actually 3 cars loan, 3 credit card with them in good standing... And now it appears in my account that credit card with negative results. I contact them via phone and they told me that that what the system shows... I personal went to PenFen in XXXX XXXX to report this issue AGAIN... I can't believed it!!! It takes common sense that for {$60.00} XXXX will mess my credit and my other account is in outstanding. I'm in the process to by a house and now is in hold till I resolved this issue... Please can you expedite this case thanks in advance...

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 2022-09-29 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: FL

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX  Account 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 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have been a victim of Identity Theft for about the last two years. I have received many Debit cards from various mobile payment companies. Cash app is one of those companies where I have received a debit card on three separate occasions. Most recently, I received one and attempted to contact Cash App directly. Due to the limitations of their customer service team, a dispute needs to be raised thru the app itself. Since I DO NOT have a cash app account, my husband raised the issue thru the app and informed Cash App customer service of the fraud I am facing. We have the physical debit card in our possession. 

Cash app refused to open a case or take the identity theft claim seriously. Instead, they stated that due to privacy, they can not initiate the claim from my husband and has to be from the account holder. THE ACCOUNT HOLDER IS THE FRAUDSTER- I do not have a cash app account. They refused to allow my husband ( or me indirectly ) to validate information or provide the debit card number to have it closed due to fraud. Instead, they stated that I ( THE VICTIM ) must create a cash app account in order to dispute this other fraudulent account - that makes zero sense. 

Additionally, the last time I received two other cash app debit cards, I asked them to safeguard my information to ensure no future accounts could be opened. They obviously did not do that. 

I am beyond frustrated and completely dissatisfied with Cash apps handling of this situation. My current situation remains unresolved and a fraudulent debit visa card remains open in my name. 

Cash app should immediately close all accounts in my name and cancel the debit card before there is any financial loss I may incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
On Monday, XX/XX/XXXX, I drove over XXXX miles to lease a vehicle from XXXX XXXX dealership in XXXX, XXXX. Upon arrival, I was advised there a was fraud block on my Experian account. I immediately attempted to log into their website to resolve the issue, with no success. I next tried the phone number on the website, as well as several others. The phones were all answered by a automated calling system. When I requested numerous times to speak to a customer service rep, the answer was always that no one was available. ( this was during normal business hours on a Monday morning ). The phone that went on to say to log into a website, which resulted in getting a form to print out and mail in. 

I was unable to proceed with the lease, which required 8 hours of driving plus gas expenses. I have subsequently mailed in the form addressing the issue. 
The fact that there is no way to reach a real person to resolve this type of issue is totally unacceptable. I give them a XXXX score for an incredibly poor way to run a business that impacts consumers,

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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 confidential information under 15 USC 1681. 

XXXX XXXX XXXXE-Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A. states i have the right to privacy.

15 U.S.C 1681 Section 602 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 7 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 resonable 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