vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ARVEST BANK GROUP, INC.
State: NJ

Complaint narrative:
We had our mortgage sold to and began servicing by Arvest in XXXX of XXXX. 

Since then they have mismanaged our escrow account each year, sometimes sending us notices that we overpaid and would send a check, and then other times telling us that the balance is too low and we must raise our mortgage payment monthly to cover the difference. This mismanagement and failure to maintain a proper escrow estimate has happened every year since XXXX. They also refuse to send proper NJ state required paperwork to our township to prove they are paying our taxes each quarter from the escrow, resulting in stressful notices of default from the town we must spend our time following up on. The increase in our monthly mortgage payment each year is an unfair expectation, because taxes and homeowner premiums did not raise, simply Arvests ability to properly manage the balance caused this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN XXXX  DAYS, INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear XXXX & transunion XXXX XXXX XXXX  To Whom It May Concern : This account was opened XX/XX/XXXX closed XX/XX/XXXX & reopen XX/XX/XXXX. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in XXXX. There comment of dispute in progress not on file thats a violation & its been over XXXX  days. XXXX  for proof Documents of me signing or payment history Inaccurate late payments XXXX. XXXX other XXXX these are closed accounts so they cant change them. The collection actually just have XXXX not XXXX or XXXX  days only XXXX. XXXX XXXX has XXXX & XXXX & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX, I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i circled ALSO COULDNT PROVIDE ME ANY BANK DOCUMENTS. This is wild but everything in pdf

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 2024-01-20 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: MA

Complaint narrative:
Im looking to get these inquiries that I do not recognize off my credit report they have been on there for longer than the time frame they were suppose to be and most of them I do not recognize nor authorized for them to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Im looking to get these inquiries that I do not recognize off my credit report they have been on there for longer than the time frame they were suppose to be and most of them I do not recognize nor authorized for them to pull my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NJ

Complaint narrative:
am a natural person, I am a living human being. I have rights under 15 USC 1681 XXXX is governed by 15 USC, and they have violated my rights numerous times.

I demand the accounts below be removed because according to 15 USC 1681 : I have a right to privacy and i did not give XXXX written permission to furnish these accounts : account # XXXX account # XXXX account # XXXX account # 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 2024-01-20 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received an Amex gift card on XX/XX/23 and I attempted to make a purchase on either XX/XX/23 or XX/XX/23. If I recall correctly, the websites were XXXX and XXXX. The order was under the card balance of {$200.00}. The first time the order declined I tried a couple other times to see if it was an error on my part ; however, each attempt said the same thing : the order can not go through or my card was declined. I called the number on the card and checked the balance on the Amex website and the card was active and had the full amount on it. The item I need to purchase can only be found online, but Amex gift cards seem to only work in store.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to you today to urgently request your assistance in addressing a concerning issue regarding an inaccurate collection account on my credit report. 
Personal Information : XXXX XXXX XXXX or XXXX Nature of the Complaint : An inaccurate collection account from portfolio recovery asso. is currently appearing on my credit report without my consent or knowledge of any contract with this company. I have not authorized them to use my personal information or credit data in any way. 
Violations of the Fair Credit Reporting Act ( FCRA ) : This collection account directly violates several key provisions of the FCRA, including : Section 607 ( a ) ( 1 ) and ( 2 ) : Credit reporting agencies are required to ensure the accuracy, completeness, and timeliness of the information they report. 
Section 615 ( a ) ( 1 ) : No person may furnish inaccurate information to a credit reporting agency. 
Section 621 : Willful noncompliance with FCRA requirements can result in liability for actual damages or statutory damages of {$100.00} to {$1000.00}. 
Additional Legal Violations : Beyond the FCRA violations, I believe this collection account was fraudulently bought and sold, which constitutes a breach of : Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the sale or purchase of illegitimate debts. 
Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : California law with similar protections against fraudulent debt practices. 
Federal Mail and Wire Fraud Laws ( 18 U.S.C. 1341 and 1343 ) : Prohibit deceptive or fraudulent activities. 
Demand for Action : I strongly urge the CFPB to take immediate action to : Investigate this matter thoroughly. 
Ensure the removal of the inaccurate collection account from my credit report. 
Hold any responsible parties accountable for their violations of the FCRA and other applicable laws. 
Provide appropriate compensation for the time and effort I have expended in disputing this inaccurate information. 
I am confident that the CFPB will take the necessary steps to protect my rights as a consumer and rectify this injustice. I look forward to your prompt response and resolution of this matter. Thank you for your time and attention to this urgent issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: MD

Complaint narrative:
I disputed and submitted a complaint to CFPB on TransUnion for a collection account with inaccurate data on my credit report which was then deleted from my reports by both TransUnion and XXXX. However the account was then readded back to my TransUnion report several days later. I went from XXXX derogatory remark to XXXX  when it was deleted and back to XXXX again when the same account that was just removed was reported back on my TransUnion report again!? How is this legal?! This is grounds for lawsuit! I want this account removed again and not placed back. I also want this report removed from my XXXX report as they have failed to do so as well. Also I have been notified by XXXX of the data breach from 2017 that my information was exposed and have been trying to clean up all these negativities from my report since.

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 2024-01-20 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I paid off XXXX car loans and have proof of such and I disputed to Experian but Experian stated that they contacted the creditor and the creditor stated that Experian 's information was correct. This is a falsehood as I have proof of both payoff 's. Experian could not possibly have contacted them as they say they did. Experian is breaking Federal Law

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 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
I have tried no less than four times to enroll in auto-payment but it isn't working. I keep getting late payment notices and then need to log in and make a manual payment. At one point I was given the excuse that I need to wait a billing period for the changes to stick, and it still didn't work. This is causing an enormous amount of stress. To that end, I have reached out to the company in writing and received no response. Further, my complaint wasn't visible in my sent messages inbox, as if they kept no record of it. Thankfully I have screenshots of my most recent attempt to sign up for auto-payment as well as my attempted written communication to the company. I need to get signed up for auto-payment, and I believe this predatory behavior needs to be addressed on a broad scale because it is probably affecting many more people than me. In fact, I know it is because I've read identical reviews from other people online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
I'm getting repeated cell phone calls from MRS BPO , LLC who are a collection agency and refuse to stop harassing me. I owe them nothing and they know this but they continue to harass me with phone calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX hard inquiries on credit report which I did not authorize. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to best of their ability and with maximum accuracy. I demand these inquiries to be removed as they should be due to the fact that I never authorized. Thanks! Please see the below inquiries. 

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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
Americas car mart continues to call more than 3 times a day, leaving multiple messages. Notes were given that I could not make it in due to work. And calls continue. 

The main collector at the XXXX location XXXX, is rude and spiteful, sometimes laughing at others misfortunes. She has repeatedly stated she does not care how many times she calls per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
we ( my XXXX  and i ) bought a time share with many pages of contract. part of the pages of the contract was the application for a new credit card. 

When the card arrived i shelved it for a week before i called to " ACTIVATE '' the card. Then several days later when i tried to use the card it was " denied ''. When we checked online why the card was denied we found out that it had a {$14000.00} charge already applied to it. 

We then denied the charge and was told that the charge was applied as the account number and the security code were present when applied. 

My question is this " is it customary to apply charges on a card before it is " ACTIVATED '' what if i never called to activate it who pays for a unacceptable funds that accumulated from it's existance?

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 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Got a loan for {$5300.00} they only deposit {$4700.00} into my account which I did not know they was going to take {$600.00} from me they only suppose to been paid the car off which at the moment I only owed XXXX XXXX {$400.00} I wasn't aware of that then the internet rate my ending balance was {$9800.00} almost {$10000.00} that's a lot compared to me only oweing XXXX XXXX I only wanted a certain amount which they said I couldn't do what I wanted which was a {$1000.00} they said I had to take the {$4000.00} or more to get the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
I received a response from XXXX XXXX XXXX  XXXX " XXXX XXXX '' in relation to a billing error indicating XXXX  days late on my credit report. The company 's investigation after the response on ( XX/XX/XXXX ) has taken more than XXXX  days. I sent notice and ask the company of proof of the late payment or Notice of Late payment in relation to 12 CFR 1026 : Regulation Z 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred.

In addition, Section 217 of FCRA specifies that an institution must provide the required notice to the customer prior to, or no later than 30 days after, furnishing the negative information to a nationwide consumer reporting agency As stated in my previous claim, the account was paid on-time through duration and closed XX/XX/2022. Experian and XXXX are reporting " XXXX  Days Late '' in XXXX and showing the account closed in XXXX which is a result of a billing error. Again, the account was paid on-time and in full on XX/XX/2022.

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 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I was lied to when applying for this school they had told me they had a 95 % job placement in your field once you graduate which was a lie. This is the only reason I attended this school and later found that what they had promised was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra
State: MS

Complaint narrative:
My account went to XXXX balance and I cant transfer what I did have left in the account because they wont let me verify my identity since I live in the united states. They have said I am too late to get my funds and they have zerod the account. I feel scammed since I recieved no prior notification of the closure of XXXX accounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 

XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX XXXXXXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX XXXXXXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX My credit wa ranned twice with them, I didnt give them authorization to run my credit. 
XXXX XXXX XXXX credit wasnt supposed been ranned at all with this company. 
ALLY FINANCIAL-XXXX  This company didnt have the authorization to run my credit at all.

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 2024-01-20 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: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I paid off my vehicle car loan already. However, before I paid off the loan, I requested to refinance it. The loan officer told me to bring my last XXXX pay stubs to the office which I did. Later on she requested my last paycheck stub for the month of XXXX the previous year???

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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