vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SS : XXXX DOB : XX/XX/1990 Account- Nissan Motor Acceptance Account # XXXX After Moving from XXXX , IL to XXXX , Arizona I recently reviewed my credit report in order to obtain a mortgage on a home and I noticed several inconsistencies and inaccuracies regarding the account NISSAN MOTOR ACCEPTANCE. These can not be accurate. The name on the account is not me. I am XXXX XXXX NOT XXXX XXXX. Also these accounts appear to be furnished by the same creditor so why is all the provided data different? Delete ALL information regarding this account from ALL credit reporting agencies WITHIN FIFTEEN 15 CALENDAR DAYS you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature on it- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SS : XXXX DOB : XX/XX/1990 Account- XXXX XXXX XXXX Account # XXXX After Moving from XXXX , XXXX  to XXXX , XXXX I recently reviewed my credit report in order to obtain a mortgage on a home and I noticed several inconsistencies and inaccuracies regarding the account XXXX XXXX XXXX. These can not be accurate. The name on the account is not me. I am XXXX XXXX NOT XXXX XXXX. Also these accounts appear to be furnished by the same creditor so why is all the provided data different? Delete ALL information regarding this account from ALL credit reporting agencies WITHIN FIFTEEN 15 CALENDAR DAYS you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature on it- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion failed to investigate the alleged collection in my credit file from XXXX XXXX XXXX. I do not believe the information they have on file is listed correctly. The information in my credit file stating that my alleged account with XXXX XXXX XXXX was overdue and had been sent to a collection agency is incorrect. I believe the problem is the result of a clerical error and should have been corrected long ago.

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 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: FL

Complaint narrative:
Fact, the Truth in Leading Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Leading Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that CarMax XXXX  XXXX, XXXX XXXX CARMAX XXXX XXXX  is Violation of 15 USC 1605. ( A ) ( C ). This transaction included a finance charge, and the finance charge includes insurance Which protects the creditor against the Obligors loss and or property damage. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX did not include my insurance in my finance charge. 

Fact, Affiant is aware and has proof in attachment labelled as Exhibit B that CarMax XXXX XXXX XXXX XXXX CARMAX XXXX XXXX is in Violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. CarMax XXXX XXXX XXXX XXXX CarMax XXXX FINANCE In fact took cash as shown in attachment labelled as exhibit A & B Fact, Affiant is aware and has proof in attachment labelled as Exhibit A and Exhibit B that CarMax XXXX XXXX XXXX XXXX CARMAX XXXX XXXX is in violation of 15 USC 1611. CarMax XXXX XXXX, XXXX XXXX CARMAX XXXX XXXX Willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable. 



CarMax XXXX XXXX obtained my personal information without my consent, knowledge. pursuant to 1681 ( A ) & ( B ) they have yet to explain how they obtained my information or produced a written contract with a wet ink signature binding both parties instead they furnish deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In the month of XXXX I made the deposit of two checks, one check was from XX/XX/XXXX for the amount of XXXX dollars and the other check was from XX/XX/XXXX also for XXXX dollars, as the two checks are in my name and are for the same amount of money, that caused the system to reject them, since the system assumed them as duplicates, so I made several phone calls to Fifth Third Bank, then I had an appointment with a very nice and competent representative, who explained to me all the procedure to follow after speaking with the corresponding department, and she told me that the money would be in my account within a maximum of 3 days, but that was on XX/XX/XXXX, that representative has called me to see if it is already resolved and so far these funds have not been deposited in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Nationstar dba as Mr Cooper is servicing the loan gotten from Ally then sold to XXXX and then to Nationstar dba Mr Cooper.

Mr Cooper did not register the loan purchase in with XXXX County NY Clerk, potentially causing of no records of payments. 

When the loan originated, its was agreed that there is a grace period to be paid without penalties. And after the grace period the penalty is {$31.00} Loan is past the grace period on the XXXX of each month. 

However if the loan its not paid by the 1st of each month Nationstar dba Mr Cooper begins to harass, from calls, to emails to letters, that they have not received the payment. Threatening to include additional charges. 

This is has been increasing, as never missed a payment, this harassment, annoyance and intimidation must cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
There are two late payments on my account that is hindering my credit report my score took a terrible dip due to payment MISUNDERSTANDING. The missed payments were reported in XXXX and XXXX. XX/XX/2019 I made payment of {$270.00}, XX/XX/2019 {$130.00}, and a {$99.00} in XXXX XXXX.My total payment amount for both loans are {$99.00} dollars and {$49.00} dollars. These loans are separate and are to be paid separate I did not realize that. In XX/XX/2019 I made the payment of {$270.00} to cover both loans which left a remaining overage of {$130.00}, XX/XX/2019 I made a payment of {$130.00} which is the total amount of $ XXXX+ {$49.00}. At this point this is deformation of my character because creditors are looking at my profile labeling me as irresponsible. I have asked several times with only updated account info, but I would like a deletions of the red derogatory marks so that I can have a fair chance at a descent interest rate in purchasing my home, instead of higher rates due to a misunderstanding of their payment system.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/21 I received a request for a product and service that totaled XXXX and required a XXXX deposit as they stated. I spoke with the person via message and asked about the name I saw come through the request I was sent via XXXX. They stated I had the right person. On XX/XX/21 I reached back out regarding my appointment just to be told in a text message I have been scammed to leave them the f alone. I reached out to my bank ( navy federal ) because I used a service they provided unaware I was protected and they stated there was nothing they could do and sounded as if they could care less I was out of my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, 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: ME

Complaint narrative:
There are several inquiries on my TransUnion credit report that are not authorized. I contacted each company and TransUnion directly and received no acknowledgment or cooperation in removing the inaccurate inquiries. I believe I might be a victim of the TransUnion data breach regarding the reporting and reinstating inquiries. The inquiries in dispute are listed below : XX/XX/2020 XXXX/XXXX   XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX I XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX I

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 2021-04-22 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XX/XX/ Account-Portfolio Recovery Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XXXX  to XXXX , XXXX I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account Portfolio Recovery These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XX/XX/1990 Account-XXXX XXXX Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XXXX  to XXXX , XXXX  I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account XXXX XXXX These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY

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 2021-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I received a payoff letter from Radius Global Solutions LLC. This is from a auto debt with creditor XXXX XXXX XXXX. The letter states that I have 30 days from the date listed on the letter to accept a payoff amount of XXXX. I spoke with a customer service rep named XXXX about the payoff amount and try to negotiate a lower amount. After several calls with her and her supervisor I made a payment with XXXX XXXX in the amount of XXXX and setup a payment arrangement for the balance of XXXX. This balance would be paid over 6 months in the amount of XXXX. I was told that an email would be sent with a confirmation of payment as well as the payment arrangement we setup. Unfortunately, after 72 hours I never received an email so I called back spoke with XXXX. He informed me that the payment arrangement made could not be honored per his supervisor and I had to pay full payoff amount. I stated to XXXX that we had a verbal contract the company 's pre-recorded conversation. Which legally bines them to the payment arrangement made between XXXX XXXX and I. As of XX/XX/XXXX this organization has report a balance of XXXX owe to the credit bureau. Please advise if you are able to assist.

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 2021-04-22 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: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My private Information that I did not authorize to be shared is being reported to a non affiliated third party which is fraud. I never consented for my private information to be shared with experian I have already reached out about this on multi occasions and highly upset and given that the wrong information is being reported and is not in line with my XXXX report this is another violation. It needs to be removed asap before I seek legal action.

Unless experian can prove that the have my authorization to report my private information they need to stop reporting. They are furnishing a deceptive form and I will take them to court.

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 2021-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation

Complaint narrative:
Auto dept does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I was eligible for an extension to my unemployment claim due to a new federal law. However, despite repeated efforts to reach CA Employment Development Department ( EDD ), my claim was not extended until XX/XX/XXXX after I contacted my state representative. This delay resulted in months of back-paid benefits being deposited into my Bank of America Pre-Paid Card, which is controlled by EDD. 

Due to Bank of America 's unreasonable restrictions, I have only been able to withdraw {$1000.00} of the funds per day and deposit them into my checking account. I also can not use XXXX or XXXX to transfer the funds, as the card does not work on these platforms, either. 

Therefore, I have been using an ATM to withdraw the funds each day, however my account has been repeatedly flagged for " suspicious '' behavior, preventing me from accessing the funds. Bank of America customer service has been very unhelpful in resolving the issue on more than one occasion, resulting in a significant delay in accessing the funds. 

I believe that the Bank is unreasonably and potentially illegally withholding funds owed to vulnerable Americans in need. There should not be a withdrawal limit on benefits owned by unemployed individuals, and the Bank needs to be responsive to individuals attempting to access their benefits.

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 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Im writing to you guys as I have already reached out to my bank - Chase, on several occasions and Ive had an absolutely horrific experience with this bank. 

I am extremely disappointed because Ive been a Chase customer for over 10 years. 
And Ive never had an issue. 
But about a month ago I deposited a check for {$200.00} through their Chase ATM machine at one of their locations. 

As soon as the check was submitted through the ATM. Their ATM machine malfunctioned and shut off. 
And essentially ended up eating the check supposedly, according to them. 

I have literally spent over 6 hours on the phone with Chase.

Only to get transferred from one department to the next.

I have talked to l probably 100 people. Not even kidding you.

And NOBODY has any really solutions or any way to help me apparently.

They basically ended up telling me that I needed to take my missing {$200.00} and go to h*ll. 

I had probably 10 different people that work there actually hang up on me. 
Everyone was extremely rude. 
No one is willing to help. 

They even went so far as to tell me that if I didnt like the idea that they basically stole my money from me. 
That I would need to take them to court at this point if I wanted to try to pursue anything absolutely unreal. 

I just can not believe this bank. 
HORRIBLE customer service. 

The fact that they basically have stolen my money from me and are refusing to make this right, and the fact that they have made this whole ordeal a living hell for me to try to get my money back from them!! 

In addition to my statement I also included some documents related to it. 

The actual receipt that the ATM spit out after I deposited this money. 
And then also a letter from them on XX/XX/21 stating that they agreed and that the temporary credit ( they gave me while they investigated it ) was now a permanent credit. 
ONLY For them to all of a sudden decide on XX/XX/21 to deduct {$200.00} from my account due to this after they had told me it was rectified. Then they just decide to just take my money back instead? Unbelievable. 

It is not MY fault that THEIR machine malfunctioned. 
I just want my {$200.00} back. 

DATES : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21 ( Dates associated with the initial deposit itself, and then all the times Ive had to call and sit on the phone for hours upon hours ( over 6 hours total ) to try to get this resolved with nothing more than to be screamed at and have people hang up on me and tell me to get lost basically )

Company response to consumer: Closed with monetary relief