vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I contacted Equifax several months ago, regarding their company lowering my credit score after I paid off an account. On today, I saw that my credit score dropped XXXX points, because I have a {$1500.00} dollar balance with payment not due until XX/XX/2022. The credit utilization is 26 %, which is less than the recommended 30 %. Overall, I am utilizing 4 % of my {$40000.00} line of credit that is available. It appear that Equifax, is practicing deceptive business practices. The extreme lowering of my credit score is unethical, and illegal. I have heard that XXXX Americans credit scores, are toyed with in this manner and I hope that this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX submitting this complaint against Equifax Information Services, LLC and their is no third party involved. 





As of Today, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX and XXXXXXXX XXXX XXXX XXXX no acct # XXXX  XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXXt acct # XXXX XXXX bankruptcy XXXX XXXX discharged Delete all hard inquires & late payments as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LendKey Technologies, Inc.
State: FL

Complaint narrative:
I have recently been educated about the Consumer Credit Laws and TILA. I entered into a contract with Lendkey Technologies on XXXX for a student loan repayment for a total of {$55000.00}. To date I have paid {$25000.00} on the principal and {$22000.00}, with a remaining {$29000.00} on principal owed. 

Per 16 CFR 433.2, XXXX XXXX by excluded the federally mandated provision in at least ten point, bold face, type " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. '' See contract attached. 

They were notified on two separate occasions, both notarized by a XXXX  XXXX XXXX, of their violation of the law and did not provide a response within 20 calendar days of receipt of notice, per 12 CFR 1026.15 ( b ) - ( Regulation Z ). Per Regulation Z they are required to repay me any monies paid towards this loan, which would be a total of {$48000.00} I have attached proof of notification and receipt. 

I am requesting that the CFPB contact Lendkey Technologies ( and their registered agent ) regarding my requests to respond to my notice of recission and affidavit of truth sent to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Any bank accounts opened after XXXX And XXXX, which closed my account and never cashed my {$1300.00} check I deposited mobile

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 2022-10-29 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: MI

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 XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
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 2022-10-29 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: Experian Information Solutions Inc.
State: MI

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 XXXX XXXX XXXX  # XXXX has violated my rights. 
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 2022-10-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was issued a California Prepaid Bank of America Debit Card to receive XXXX benefits. In order to transfer the money to my checking account I was required to set up an account on the website, however, the website continually generated an error message. 

Over the course of a week, I spent over 5 hours with customer service trying to resolve the issue. I was asked to clear cookies, try different browsers, different computers, and use alternative URLs. Nothing worked. During this experience, I was placed on lengthy holds multiple times and experience the line going dead. 

It was confirmed to me that the information I was entering was correct and that the error was with their website. Despite this I was continually told to enter the same information, each time locking me out of the website for 24 hours. Bank of America siad they'd call back, but couldn't find a time that worked with my work schedule and the matter is still unresolved.

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 2022-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
OLD FTC FRAUD THEFT REPORTED 179 DAYS AGO ATTACHED BELOW Account number XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Contact XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Any bank accounts opened after XXXX And XXXX, which closed my account and never cashed my {$1300.00} check I deposited mobile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a savings account with Chase because I was starting a new job. I deposited my first paycheck of {$1700.00} on XX/XX/XXXX and I also transferred {$370.00} on XX/XX/XXXX from my XXXX to the same Chase savings account. 

My Chase Savings account was closed by Chase and I contacted their customer support. They told me that the check deposit was flag as fraudulent because they could not verify the maker of the check. They ask me to provide them a number that they can call to verify that my company was the maker of the check. I tried providing them a number, but they told me that number is not valid. They then told me to go to a local branch to get it resolved by showing them a copy of my paycheck. 

When I went to the local branch, I provided the agent with a copy of my paycheck and also a screen shot of my XXXX  to prove that it was my account. I thought the XXXX was verified but, I have not received the {$370.00} back. And again the agent told me that they need to have a number to call to verify the check. 

So then, I contacted my company 's payroll department and they told me that due to company policy, they do not allow external parties to contact them. However, they did provide me with official documentation to prove that they are the maker of the check. So I contacted Chase again, but they still telling me that I need to have a number that they can call or I have to go in to a local branch with someone from the company that can verify that they are the maker of the check...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Loan Management Services keeps provided incorrect information : For the in-process modifications that XXXX  XXXX XXXX XXXX XXXX recognize, the company gave incorrect information to certain consumers about their unpaid balances, payment due dates, interest rates, monthly payment amounts, and delinquency statuses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
They are saying they are from PAYPAL i do not have and account nor do i use PAYPAL at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My vehicle was totaled on XX/XX/XXXX. On XX/XX/XXXX, my insurance company requested a letter of guarantee from Truist so that they can payoff the vehicle. They were told it would be sent to them in 5-7 business days. It is now XX/XX/XXXX. We have not received the letter of guarantee. I have made multiple calls to the total loss department to request the status of this letter. They do not answer the phone or return voicemails. I contacted loan servicing and filed a complaint. I was told that a manager would call me back regarding my complaint. No one has called me back. I have filed a second complaint with servicing. No response. I also emailed the CEO of Truist on XX/XX/XXXX. No response. My insurance will not pay me the balance of the coverage on the vehicle until this matter is settled, which is creating a significant financial hardship for me. Issues and problems I can understand, but the complete lack of responsiveness and the fact that no one seems to be able to help me is completely unprofessional. It should not be this difficult to get a simple letter so that my insurance will payoff the vehicle.

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 2022-10-29 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: CA

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

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 2022-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX submitting this complaint against Transunion, LLC and their is no third party involved. 





As of Today, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX  acct # XXXX XXXX XXXX  acct # XXXX and XXXX XXXX XXXX - no acct # listed XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  XXXX Delete all hard inquires & late payments 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 2022-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have checked my funds daily and immediately prior to purchases by the banks app to ensure funding is available. On the morning of XX/XX/2022, the bank said my " AVAILABLE FUNDS '' were {$50.00}. I made three purchases that day. {$6.00}, {$12.00}, and {$21.00}. The sum of these purchases is {$40.00}, below the AVAILABLE BALANCE of {$50.00}, as documented and shown by my banking digital statement. Even currently, when looking at the bank digital statement, it shows the ONLY actual purchases made that day to be these three transactions. Yet Truist bank charged 3 overdraft fees for {$36.00} for all three transactions. When questioned, they state a recurring charge which was deducted from my account of XX/XX/2022 ( the following day ) caused the account to overdraw. They can not clarify why the statement says that transaction, showing cleared and finalized the following day is causing the penalty to occur THE DAY BEFORE. When I called the representative, and the eventual supervisor, I was rudely and promptly disconnected when I made the correct assertion that this bank had misled me, and then stolen the overdraft fees. The supervisor was rude, and unhelpful.

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 2022-10-29 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: Experian Information Solutions Inc.
State: CA

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

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 2022-10-29 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: GA

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 DEPT OF EDUCATIONXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

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 2022-10-29 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: Experian Information Solutions Inc.
State: GA

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 DEPT OF EDUCATIONXXXX  : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 2022-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
ON XX/XX/XXXX WE CLOSED WITH XXXX XXXX THEN WE REFINANCED IN XX/XX/XXXX WE NEVER RECIEVED OUR TILA DOCUMENTS WE ALSO DIDNT RECIEVE OUR FINAL CLOSING DOCS 3 DAYS IN ADVANCE. 
A LAWFUL CONTRACT MUST HAVE FOUR PRESENT ITEMS 1 FULL DISCLOSURE 2. EQUAL COONSIDERATION ( THEY BROUGHT NOTHING OF VALUE TO THE TABLE. SO THEY HAD NOTHING TO LOOSE ). 
3.LAWFUL TERMS AND CONDITIONS ( THIS WAS BASED ON FRAUD ) 4.THE WET INK SIGNATURES OF BOTH PARTIES. MY NOTE ONLY HAS ONE SIGNATURE

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