vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX I was conditionally approved for a student loan through Navy Federal Credit Union. Upon receiving the approval I was asked to provide income verification for the loan that I applied for. I submitted a copy of my XXXX XXXX as proof of income as it was one of the options that I was given as proof of income. On XX/XX/XXXX they declined my documentation. They declined my documentation stating that it was beyond 60 days old and I needed to upload my pay stubs from the past 60 days. I submitted the documents they did request. On XX/XX/XXXX while reviewing my status of my loan online, I discovered that the documents that I submitted were also declined approval. I called and spoke with a representative on that date and they stated to me that they required a letter from my employer stating that I am still employed at my job. I obtained the letter from my employer and submitted it to the portal for them to review. XX/XX/XXXX I called Navy Federal again to review my loan application because I noticed that my letter was not approved. The customer service representative couldn't answer as to why it was not approved and said she would call back. I did not receive a call back. On XX/XX/XXXX I received an email from Navy Federal stating that my loan would be declined due to inactivity. I called Navy Federal on XX/XX/XXXX due to them not being open on the weekend. When I spoke to the customer service agent he stated that I needed to send my latest paystub due to XXXX of the prior paystubs being over 60 days out. I submitted the paystub and awaited approval. XX/XX/XXXX I noticed that the online portal stated that my latest paystub wasn't approved. I contacted customer service again on XX/XX/XXXX. When I spoke to the customer service representative they stated they needed my XXXX XXXX. Even after I was told my XXXX XXXX wasn't approved because it was 60 days out. On XX/XX/XXXX I received a call from a Navy Federal Credit Union Loan representative. The representative asked me was I on XXXX XXXX XXXX XXXX  I told her yes and that I just had XXXX. She asked me when I was returning to work and I explained that I would be back in 3 to 4 months. She then asked me to upload any documentation from my doctor to show how long I would be out and something from my employer to show I have enough accrued time until I return to work. On XX/XX/XXXX I received an email from Navy Federal denying my loan application due to " Current income does not meet the minimum loan guidelines ''. It is my belief that my loan was denied not because of minimum income requirements but because I am on XXXX  XXXX  from my employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a cash deposit in a ATM XX/XX/XXXX around XXXX of {$880.00}. I always do my deposits thru ATM, and I always check and make sure my account is credited when I make the deposits, this time my phone was off and had to check when I was already gone, 5 mins later in a red light, I realized the amount was not in my account turned back right away to the Wells Fargo branch located where the same ATM is. 
They told me I have to call because they have nothing to do with the ATM outside, I filled a claim explaining them the whole situation, the gave me a temporary credit of {$880.00}, after 1 month they decided the money was never deposited and they took out {$880.00} from my account. I called again trying to ask them to check security cameras, atm cameras etc, because the money was deposited, is not only {$100.00} is {$880.00} that I dont want to lose, they claim they are not allowed to check any footage and the atm cameras just take one picture when you insert your card! 
Now they dont want to open a new claim, they said I already lose that money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights. Under 15 USC 1861, Section section 602 states I have the right to privacy. 15 USC 1681 Section 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b, a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I had a charge from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$390.00} XX/XX/XXXX. The hotel was brand new with amenities. The hotel stated they hand an indoor pool which is the reason I chose this one because I knew we would be staying inside the whole time. The pool was not finished and that ruined our stay for the kids which made it miserable for me. I disputed the amount with the hotel and with Navy Federal put neither company empathized with me as I se we wasted our money. There wasn't anything I could do during our stay because my Fianc was in meetings the whole time and we weren't able to change hotels.The clerk at the hotel told me they were still under construction. They should not have the amenities posted misleading customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my business applied for credit under my business name and XXXX and my number should have been used to identify me but it was used in a inquiry another institution in search of auto financing did multiple searches instead of 1

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
my business applied for credit under my business name and ein and my number should have been used to identify me but it was used in a inquiry another institution in search of auto financing did multiple searches instead of 1

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: AR

Complaint narrative:
Received a letter to cure a payment by a certain date, XX/XX/2022. I was past due two months, XXXX and XXXX, and a notice that a letter to default was sent to me on XX/XX/2022. 

On XX/XX/2022 I called to pay 1 month ( XXXX ) and a half ( XXXX ) and a promise to pay the half month ( XXXX ) and 1 month ( XXXX ) by XX/XX/2022. This would cure the past due payments and get the account current before the default. 

Yet, I spoke to two managers that refused to take the payment. Then spoke to another manager and was also refusing, even though I had until XX/XX/2022 to cure the XXXX and XXXX payments. 

The managers were rude and used bullying tactics like asking about my paychecks, what I spent my money on, that I couldnt afford the payments, and that I was legally obligated to pay, which I agree with. But they still refused to take the partial payment until I let them know that I would report them to the CFPB. 

If they are not willing to abide by their own legal letters, then they are misleading their borrowers when they state We do not want you to fall into default as per their letter. The company is difficult to make arrangements with to pay, are not allowing customers to make payments online if in default, and forcing them to go through a questioning ploy to force a payment to the point of asking the customer to borrow from friend and family to pay. Very unprofessional and quite frankly sketchy as they are not looking to help the customer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I purchased a XXXX  XXXX XXXX with my ex XXXX XXXXI was the co signer. We broke up and XXXX refused to give me the car back .He feel behind on the loan payments. I called gm financial to explain what happened and how I wanted to get my name off the loan or request that XXXX surrender the vehicle to me so that I could keep the vehicle and stay current they told me there is nothing can be done. .XXXX  did a voluntary repo with out my consent and I was not notified. I had to request the repo detail and thats when I was sent them .Gm financial refused to help me and now this has negatively impacted my Credit and I had to pay taxes thru the irs on a vehicle I didnt even have the option of keeping

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
I have been using Possible on and off for almost two years now and I have been able to access and pay back borrowed funds with no issue. However, for the last few months I have been unable to make a final payment for a loan I took out several months ago. Each time I have reached out to ask them if I can just make a direct payment, they re-route me to their mobile app and ask me to re-connect my bank account. I have tried for the last 2-3 days to link my new bank account and to no avail. They are not willing to allow me to make that payment another way that will not result in technical difficulties. Also, they have reported to the credit reporting agencies that my payment is late and it has caused a major dent on my credit which is hindering me from moving into a new apartment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights tc privacy and confidentiality under 15 USC 1681. 


XXXX, XXXX & XXXX XXXX, 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 turnisn a account wino my instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears 15 U.S.C. 16815-2 ( 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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 an 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 2022-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WY

Complaint narrative:
Hi- I would like to file a compliant to BSI Mortgage, I made a full payment in XXXX and they decided to take money out the XXXX payment to cover XXXX payment. I made my first payment in XXXX on XXXX and then the company tried to take out a payment on XX/XX/XXXX, I had then called them and ask them to reverse the payment because it was not going to clear, so I asked them to take the payment on XX/XX/XXXX. In return they tried to take another payment on XX/XX/XXXX without my permission because per the phone call I asked for it to be taken out the XXXX. The decided to add {$540.00} back into my account which I was unaware of since the bank had already notified them that my payment would not go through. Since this was happening I had no idea that they took a payment from XXXX to cover XXXX because they said they gave me money and I owed them when the bank had already reversed the payment. From that point on I have made my full XXXX payment and my full XXXX payment and have proof of this.This all goes back to my XXXX payment with out them telling me they were doing that. I believe that if something like that happens they should notify the borrower but also never take money out a payment that has already been. Every time I call them they will not give me any number to any VP 's to handle this matter. I then in return got on to XXXX and got some numbers for the VP 's and called them since it was public record. I was told that I was not allowed to call anyone them on cell phones and it was per your polices. If the numbers are public record then I am not sure that is the case. I was also told that I was not allowed to talk to anyone else in the company and he informed all 46 customer service agents that they couldn't not talk to me. When I had the last conversation with them I asked if I needed to get a lawyer and not that " I not that I had a lawyer '' I was treated with disrespect by the one the VP that I had called yesterday and he basically scolded me for getting in touch with the other VP 's. To treat a customer like that is not ok and I felt threaten. I have been dealing with this since for awhile and every time I called they said the would escalated and then I wouldn't get a call back and I would have to call them. This poor treatment from a company is not ok since I have never been late on any mortgage payments until they did what they did. I feel like the made me feel like and XXXX and talked down to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Below is the information that I am requesting to be deleted off my credit report, this collection does not belong to me and I have not received proof or validation of this debt. Please remove from credit report. 


Date Reported : XX/XX/XXXX Collection Agency AMSHER COLLECTION SERVICES INC Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$50.00} Amount {$50.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX XXXX  Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Account number XXXX reported by XXXX needs to be removed from my credit report because the 1st date of delinquency reports as XX/XX/2022 which is incorrect still but being allowed to report any way. Remove this incorrect account I did not receive any notice of this collection because there wasn't one. It also reports activity after the date or first delinquency which is also incorrect so remove this account. This is not a collection and has been paid off on time. 

I tried to have Experian verify the accuracy of said data to which they updated my credit report with erroneous information again. During a time of recession this is extremely stressful, as a XXXX  father no less.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: RI

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights under 25 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 166B a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/2022 I used the CHIME bank 'Pay Anyone ' feature in an attempt to send money to my wife. 

I used her phone number, as this was an option given by the CHIME app. When I typed her number, her contact picture from my phone came up and I clicked on it. 

I sent the money and she never got it. 

Chime sent the money to another CHIME user who had my wife 's phone number previously. 

They have declined to reimburse me for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
On XX/XX/2017 i made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do business or extend my credit to this company. I didnt understand the meanings statedand it was not clear and conspicuous to me at the time. i have been attemping to urchase an assset but but because of this i am not able. I beleive because there is no evidence of a debt only these papers of some type of copied papers of statements the comapny continue to show and this allegd agreement. 
The agreement should be voided because I made a uniformed decision and didnt understand none of it. I could have made a better choice if I knew the details in full. 

Also i don't have any business dealings with company named Convergent, the attatched is not evidence of indebtedness. please delete from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: OR

Complaint narrative:
On it around XXXX I saw a lot of pre approvals on my Credit Karma account XXXX At first, I didnt pay attention to it but credit karma continued to send me all sorts of different pre-approvals telling me I was pre approved for credit cards, personal loans and car loans and that I can refinance my vehicle. Everyday I would see these offers everytime I logged in to check my credit scores. After a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we were going to use these pre approvals for. I finally applied on or around XXXX and got denied various times for credit cards and auto loans. I was distraught. I was very angry and I felt deceived. I was marketed to for months by credit karma telling me I was pre-approved and this was a lie! 

Everytime I see pre-approvals now I close my phone or shut my computer off because I have XXXX and XXXX  now. As a result of my credit score being effected my XXXX is really bad and I get XXXX XXXX  often now. 

As a result of Credit Karmas deceptive practices I applied for various lines of credit and was denied. Credit karma told me I was pre-approved but I was not actually pre-approved. This has effected my credit immensely and cause me emotional distress. I worked very hard to raise my credit score and these denials are effecting my credit.

Company response to consumer: Closed with explanation