vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX was ordered to pay {$4.00} XXXX to the Consumer Financial Protection Bureau ( CFPB ) for violating the Fair Credit Reporting Act ( FCRA ), the CFPB said in a press release. 

According to the release, XXXX allegedly knew that it provided incorrect consumer data to the three major credit reporting agencies ( CRAs ). 

XXXX is an originator and servicer of non-prime auto loans and leases and provides credit information to CRAs via monthly data files, according to the CFPB release. 

Between XX/XX/XXXX and XX/XX/XXXX, the CFPB said it discovered numerous systemic errors that could have lowered consumers credit scores, such as the wrong date an account first became delinquent, according to a consent order. During that time frame, XXXX reportedly sent incorrect information on millions of accounts to the CRAs. 

Aside from the {$4.00} XXXX civil penalty, the ruling requires that XXXX must correct all inaccuracies and errors and implement measures to improve and ensure the accuracy of the consumer information it provides to CRAs, the release stated. 

The CFPB also alleged in the order that the internally inconsistent errors should have been readily apparent to XXXX. The agency said the lender knew something was wrong as early as XX/XX/XXXX. 

The order indicated that XXXX must submit a detailed compliance plan to the CFPB within 45 days. 

The shift to digital brought on by the pandemic has disrupted many industries, including the car buying and loan industries. XXXX. XXXX XXXX indicated that the number of customers doing credit applications online has soared, whether the car loan originates from a car dealer, bank or manufacturer. The research noted that roughly one-third of car buyers are now doing the loan process online, and 40 percent said they prefer it that way. 

XXXX  XXXX  including XXXX, XXXX XXXX, XXXX and XXXX are reportedly planning internal investigations to ensure fairness in lending during the pandemic.

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 2022-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : Mortgage with Bank of America Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX I found out that our property was sold by Bank of America to a third party - XXXX XXXX without any written notification on XX/XX/XXXX. An agent representing XXXX knocked on the door and informed the tenants and was given 3 days notice to vacate the property. 

We are current on our mortgage and have not missed any single payment. I logged in into my Bank of America account to find out why and I was not able to access the account any longer. I called them immediately and the representative I spoke with informed me that our mortgage was paid off as of XX/XX/XXXX. 

We are not aware nor have received any written notices regarding the sale. As of today, we still have not received anything from them. I tried to get additional information but was told that I have to request everything in writing and will take approximately 7-10 business days before we receive a response. 

We have senior tenants living in the property and giving them a 3 day notice to vacate is not acceptable. Where are they going to live and find a place in such short notice. This has put so much stress on them and on us.

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 2022-07-01 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: NC

Complaint narrative:
I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in north carolina has expired. 
Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. 
This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in north carolina has expired. 
Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. 
This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident.

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 2022-07-01 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
Dear Nissan Motors I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates delete account reporting on my credit report within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  XXXX XXXX  is reporting a charge off in an amount of XXXX. Yet at the time this loan was paid off by my insurance company - there is GAP insurance that was purchased through the dealership to cover the difference between what the insurance paid out and what remained. Yet this company after just 1 delinqincy ( which occurred when the insurance company was processing the payout of the loan_ charged off the account in the amount of XXXX knowing that GAP insurance would cover this amount. I have called multiple times written multiple letters in regards to this, yet they do not give any documentation as to what happened in regards to this. 

Also, I have attached the account details on their website which does not even show they charged off the account. 

They also failed to provide me any signed original contract when asked to verify the debt XX/XX/XXXX and failed to provide any billing statements after XX/XX/XXXX. They also did not provide any disclosures stating my rights under 15 U.S. Code 6802. 

There are so many violations here creating a HARDSHIP on my life from being approved from future lenders. This account needs to be removed from all three credit bureaus.

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  XXXX XXXX  is reporting a charge off in an amount of XXXX. Yet at the time this loan was paid off by my insurance company - there is GAP insurance that was purchased through the dealership to cover the difference between what the insurance paid out and what remained. Yet this company after just 1 delinqincy ( which occurred when the insurance company was processing the payout of the loan_ charged off the account in the amount of XXXX knowing that GAP insurance would cover this amount. I have called multiple times written multiple letters in regards to this, yet they do not give any documentation as to what happened in regards to this. 

Also, I have attached the account details on their website which does not even show they charged off the account. 

They also failed to provide me any signed original contract when asked to verify the debt XX/XX/XXXX and failed to provide any billing statements after XX/XX/XXXX. They also did not provide any disclosures stating my rights under 15 U.S. Code 6802. 

There are so many violations here creating a HARDSHIP on my life from being approved from future lenders. This account needs to be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  XXXX XXXX  is reporting a charge off in an amount of XXXX. Yet at the time this loan was paid off by my insurance company - there is GAP insurance that was purchased through the dealership to cover the difference between what the insurance paid out and what remained. Yet this company after just 1 delinqincy ( which occurred when the insurance company was processing the payout of the loan_ charged off the account in the amount of XXXX knowing that GAP insurance would cover this amount. I have called multiple times written multiple letters in regards to this, yet they do not give any documentation as to what happened in regards to this. 

Also, I have attached the account details on their website which does not even show they charged off the account. 

They also failed to provide me any signed original contract when asked to verify the debt XX/XX/XXXX and failed to provide any billing statements after XX/XX/XXXX. They also did not provide any disclosures stating my rights under 15 U.S. Code 6802. 

There are so many violations here creating a HARDSHIP on my life from being approved from future lenders. This account needs to be removed from all three credit bureaus.

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 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I DID A BARCLAY CREDIT CARD BALANCE TRANSFER ON XX/XX/2022 TO XXXX  XXXX XXXX FOR {$5000.00}. BARCLAY CREDIT CARD CUSTOMER SERVICE STATED THAT IT WAS COMPLETED ON XX/XX/2022 AND XXXX  XXXX XXXX HAD RECEIVED THE TRANSFER AMOUNT OF {$5000.00}. OKAY XXXX XXXX XXXX NEVER RECEIVED THE {$5000.00}. I BARCLAY CREDIT CARD CUSTOMER SERVICE AND TOLD THEM THAT XXXX  XXXX XXXX DIDN'T RECEIVED THE FUND. I STATED THAT WE CAN CONTRACT XXXX XXXX XXXXXXXX TOGETHER SO THEY CAN SEE I AM TELLING THE TRUTH ABOUT XXXX XXXX XXXX NEVER RECEIVED THE {$5000.00} TRANSFER. BARCLAY TOLD ME THAT THEY ARE NOT GOING TO CANCEL THE BALANCE TRANSFER EVEN IF IT'S BEEN PAST THE 10 BUSINESS DAYS XXXX, WHICH IS THERE COMPANY POLICY. THEY STILL WANT ME TO PAY FOR FUNDS I NEVER IN MY XXXX  XXXX XXXX ACCOUNT. RIDICULOUS WHY WOUNLD I DO THAT IT MAKES NO SENSE.

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 2022-07-01 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Dear JPMCB AUTO, I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates remove accounts off credit report within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent a letter to EXPERIAN on XX/XX/2022 which is attached via Certified Mail # XXXX XXXX XXXX XXXX XXXX. To have a account that should not be reported on my Consumer Report removed. It is my responsibility to make sure every item is reporting accurately, so my Consumer Report is fair and equitable to me. I previously have been trying to get XXXX XXXX XXXX to validate and verify all accounts listed on my Consumer Report, but after further review of my Consumer Report there are accounts being reported that have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. 

Also I NEVER gave EXPERIAN any written consent to even report any accounts on my consumer report. NO CONSENT IS IDENTITY THEFT pursuant to 15 USC 1681b ( 2 ) EXPERIAN allowing inaccuracies to be reported on my Consumer Report has caused me to lose faith in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as well. If you would like to continue doing business with me I am demanding you do what I say. 

I demand that these account be removed. Immediately. Accounts listed are in attached document. This account being reported is cause me XXXX  and is XXXX up.

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 2022-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
This is my 3rd complaint for the same issue. The Company 's responses have been inadequate. Stop closing my complaints just because the Company provided a response - INVESTIGATE. See XXXX and XXXX. I have been trying for months to get a statement from Nelnet. I have called multiple times and I have filed multiple complaints. I have not received a statement since XXXX. On the phone they told me that they were sending statements. In response to my first complaint, they said they " auto-enrolled '' me in paperless billing, but that they would change that back and send me paper statements. In response to my second complaint, they said they mailed it and it was returned because my address changed. MY ADDRESS DID NOT CHANGE. It is the same address on the Company 's response : XXXX XXXX XXXX, XXXX, Ohio XXXX. AND IT IS THE SAME ADDRESS WHERE I GET THE STATEMENTS ON MY OTHER STUDENT LOANS SERVICED BY NELNET. I have been trying for MONTHS to get a statement and it's always a different excuse. If they mailed it and it was returned, as they claimed, make them provide a copy of the returned envelope. I JUST WANT MY STATEMENTS! This is ridiculous. How many borrowers have delinquent payment on their records ( and may be denied forgiveness ) because this Company simply can not manage to send statements to them? Someone needs to take ACTION against NELNET!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
There is an amount of {$1400.00} on my credit report from Stern Recovery Services. I have no knowledge of what this is for. I require validation of the debt. Identification of the original creditor. I also require validation that the debt is mine for services rendered to me. Along with documentation signed by me acknowledging that I would be responsible for any debt owed.

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 2022-07-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Im writing this complaint since I have no other way to solve problem with XXXX. The problem is following : On XX/XX/2021, I made a transaction with XXXXXXXX XXXX  XXXX for {$8800.00}. However, I never received the order in full. I got 5 % of the order and most of them are damage during shipping. The product I order is hardwood flooring and vinyl so I can remodel my house. I tried to contact XXXXXXXX XXXX XXXXXXXX but can not solve the problem. At first they told me to return the damage items to the store to get the refund. I told them I can't bring them to the store since they are oversized and heavy. They told me to send them photos, I sent them and they told me to throw it away, recycle it. They promised to give me full refund on one email ( attached ). However, they never processed the refund. I made a dispute with American Express XXXX XXXX ). Since its a credit card, I should not be liable for this type of charge. American Express resolved the case in my favor at first and eventually reversed the credit for no reason. Now they say that they can not continuous the dispute because of the time frame ( XXXXXXXX XXXX XXXXXXXX always try to delay the response ). Despite that fact that all the information are clear. 

Please help me get the refund back.

Company response to consumer: Closed with monetary relief