vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Confirmations number was provided for completing form for CBNA and was responded with a hard pull to XXXX XXXX for approval decision made through customer representative. Which no inquiry of credit report should be an hard pull without consent.

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I submitted a fraud claim to Navy Federal on XX/XX/2024 for XXXX XXXX XXXX transactions totaling to {$240.00}. They denied my dispute on XX/XX/2024. I was at a total lost on why my fraud dispute was denied, while making the fraud claim even the agent said it was something fishy going on with my account because multiple transactions were denied with the ones that went through. Also, I never send money through XXXX  with my navy federal card. There are only XXXX other XXXX XXXX transactions throughout my whole navy federal account and there are only deposits. I only use XXXX  to send money, NEVER XXXX. The agent even noticed I never use XXXX XXXX to send money. Lastly, I'm just at a lost on words, because with all those clear signs of fraud, my claim was still denied and now I'm out of rent money needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
On numerous occasions, I have requested proof of authorization for the inquiry reporting to my consumer report which I have not received to date. XXXX date 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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im not able to obtain any credit report data or my scores. I have no negatives nor inquiries with your company and the last time my score generated it was at XXXX score. Please correct this immediately for i am not able to purchase my home due to YOUR COMPANYS ERROR 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.

Complaint narrative:
I have bought a {$100.00} Debit visa ( OneVanila ) card # XXXX XXXX XXXX XXXX expires XX/XX/24 XXXX XXXX XXXX XXXX XXXX XXXX, it was useless. 
Contacted customer service a lot of times, thay Asked for my personal identity which I gave them. 
After several emails in more than one year, they approved ( photo attached ). 
By following up more than a year, they send a new card XXXX XXXX XXXX XXXX To my Friend Address in USA according to their request which I had to give them. 
The new CARD is USLEES!!?. 
My Complains are : They have my identity info, and I am very worried. 
They have vested my time I want my money {$100.00} back I want Gov. punish them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In Good Faith, it is the intention of the creator of this complaint to place this account into a Billing Error Status pursuant to the legal authority 12 CFR 1026.13 as the presentment ( statement ) issued to me used fraudulent, fictitious, and deceptive language to defraud and confuse me violating 18 U.S. Code 1001.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a certified letter # XXXX on XX/XX/2023 to requested a reinvestigation and verifiable evidence documents of these inaccurate accounts on my credit report. I never received a formal response and Experian is in violation of the Fair Credit Reporting Act, Defamation of Character, Negligent Enablement for Identity Fraud. 

These account must be deleted immediately. MUST PROVIDE PROVE THAT THIS ACCOUNTS BELONGS TO ME AND UNDER MY LEGAL NAME AT SHOWED IN MY SECURITY CARD ISSUED BY UNITED STATES OF AMERICA. 
XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX  ACCOUNT XXXX DELETE INACCURATE BANKRUPTCY PUBLIC RECORD ACCOUNT XXXX DELETE - XXXX XXXX XXXX  ACCOUNT XXXX DELETE XXXX 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 non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Mortgage Bank : Wells Fargo We paid off our loan in full on XX/XX/2024. 

Wells Fargo subsequently proceeded to take a a mortgage interest payment from our bank on XX/XX/2024, the day after the mortgage had been paid off. 

What right does Wells Fargo have to take an interest payment after the loan has been paid off? I contacted them and they said it will take up to XXXX business days to be returned to my bank. What rights do I have to reclaim lost interest?

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 2024-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Regarding Capital One account ending in XXXX, it is associated with my company. However, upon reviewing, the accont, it has come to my attention that fraudulent charges were made to the account before multiple payments. These charges were initiated by a third party. In light of these circumstances, I kindly request that the account be either deleted or the balance be set off. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XXXX weeks ago, I went into the bank with my mom asking for a bank statement of my frozen account from the fraud account, and XXXX from the Santandar and XXXX, New Jersey, cut and copied and paste to a word document instead of giving me an official bank statement that I asked for And in my profile on my Santander app, it has the ladies address in it in XXXX, Pennsylvania on the account for that bank statement so he chose not to print out the legit statement because it already had that address on it and that is not OK. XXXX dealing with this since XXXX Ive XXXX to borrow money from my family Because of this I want this issue fixed and I want {$10000.00} added to my return for all of this stress and anxiety that they have put me through

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I filed a complaint on XX/XX/XXXXXXXX  regarding inaccurate information about the same credit account from XXXX XXXX XXXX XXXX. I also sent in evidence proving that the late payment listed for XX/XX/XXXXXXXX  was false. I received a response from Experian Regarding that matter and I was told that their investigations department found the information to be accurate despite receiving bank statements showing payments. On XX/XX/XXXXXXXX  I received an alert from experian regarding inaccurate and duplicate information reporting on my account from XXXX XXXX XXXX XXXX. 2 days later I called their department, the agent said that it will take 30 days to review the information. on friday XX/XX/XXXX, I received an alert via email that my Dispute had been Complete. I opened the credit file and the account and inaccurate information is still reporting with a comment stating that the information listed meets requirements of the fair credit reporting act ( Which Is False ). Ive Also Sent Disputes Regarding a XXXX XXXXXXXX Account That Was Opened In XX/XX/XXXX, I Received Letters From XXXX  XXXX Providing No Evidence Supporting their Claims Reported on my Credit Report In response to my request for information and dispute for deletion sent XX/XX/XXXX. Upon My Own Investigation, I've Viewed All Three of My credit reports and have found that the information across all three of my credit reports is Inaccurate. Due to Experian 's Continued Negligence, I DEMAND that All Inaccurate information of any type is updated and or REMOVED from my credit report based on the information ive provided IMMEDIATELY. Failing to do so will result in my measures to take the Appropriate Legal Action.

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 2024-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC
State: KS

Complaint narrative:
I bought a XXXX SMART fully electric car from XXXX. The car was advertised as having a XXXX range between charges. The car 's battery would not fully charge and I was getting a XXXX range between charges in cold weather if I did not use the heater. I live in the country and the nearest grocery store is XXXX miles away. I contacted XXXX with this issue and was referred to XXXX XXXX as the car was still under warranty. XXXX XXXX referred me to XXXX repair facilities in their network all of which told me they do not work on electric cars. I called XXXX XXXX many times, with the same result. Finally, I called XXXX dealerships as the car is manufactured by XXXX. The XXXX dealerships stopped selling the SMART car in XXXX and they told me they do not work on them any longer. I found XXXX XXXX dealership XXXX hours from me that does, but they told me they have several SMART cars in their shop with battery issues and it would be more than a month before they could get to it as they only have XXXX technician. I contacted XXXX XXXX and they told me the XXXX dealership was outside of their network and I would have to have the dealership contact them to be able to deal with the issues. XXXX XXXX also told me they only pay for a one-hour diagnostic and I would be responsible for the remainder of the payment beyond XXXX hour. With the payments I have made, I am already well over $ XXXX into a car I can not use. XXXX XXXX XXXX representative referred me to a repair facility in Ohio and he thought it was only XXXX miles from Kansas. Finally, I did a voluntary surrender to XXXX. So now I have a blot on my credit record. I am a XXXX veteran on 100 % comp for XXXX. This has sent my stress through the roof. I am seeking legal counsel to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My escrow deduction per month was extremely high. I contacted the mortgage company several times to have the escrow account audited. This was finally done in XXXX of 2023 and a letter was sent to me XX/XX/XXXX with the result of the audit. It was found that they had calculated our monthly escrow deposit wrong and that i was due a XXXX refund and the escrow amount per month was reduced. 

I have contacted the mortgage company no less than XXXX times and am being told that they will send check... .over and over again with no check being sent. 

When i have asked when they keep telling me it will be another 30 days. Reading online it appears that federal guidelines give the company XXXX to make the refund. We are 3 months past that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
On numerous occasions, I have requested proof of authorization for the inquiry reporting to my consumer report which I have not received to date. XXXX date XX/XX/2023

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 2024-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: LA

Complaint narrative:
I applied for a {$800.00} loan on XX/XX/XXXX from XXXX XXXX online. I did received the money. I have made XXXX payments at {$140.00} beginning XX/XX/XXXX, thru XX/XX/XXXX for a total of {$1000.00} with a principal balance left at {$910.00}. I had to get an extension for the XX/XX/XXXX payment which is causing the interest of the loan to accrued daily. I wasnt aware the interest rate is 490 % more than my state of Louisiana would allowed on a payday loan. Also, I didnt know the company is governor by an XXXX tribal. They will offer an extension on the loan but you will regret it in the loan run. You will have to make XXXX payments at XXXX time instead of put the loan at the end of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On numerous occasions, I have requested proof of authorization for the inquiry reporting to my consumer report which I have not received to date. XXXX date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # 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

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 2024-01-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: CA

Complaint narrative:
On XX/XX/2017 Equifax reported information that is found to be inaccurate and they fail to provide method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This company AMSHER COLLECTION SERV has stated of a debt form a company charter that i have no knowledge of. No information was ever sent toshow of any relationship with this company. It breaks federal law 15 u.s.c 1681b Permissible Purposes of consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Equifax on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did not authorize anyone employed by this company to make any inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: DISCOVER BANK
State: CA

Complaint narrative:
I did not authorize anyone employed by this company to make any inquiries on my credit report.

Company response to consumer: Closed with explanation