vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Regional Management Corporation
State: OK

Complaint narrative:
On XX/XX/2022 I was searching for personal loans on line. I looked at what Regional Finance had to offer. As I was looking on line, I get a call from the company. I told Regional Finance I was looking to borrow {$1500.00}. The Lady ( XXXX or XXXX  I think ) took my information and ask some general questions like how long l have been my Job, what kind of of car I own/mileage, own or rent home etc ... .I gave permission for them to run my credit. I got asked abt a charge-off that happened abt XXXX ago ( my credit has improved since then ). The next day I get a XXXX from XXXX or XXXX saying I was approved for {$2100.00}. I said did not need the funds like I thought at that time. I was then told they hold the offer for 30-days. The next day I called to find of the offer still stands and was told the Manager/Supervisor has decided to deny my application and that I will get paperwork in the mail explaining why. I asked to speak to the Supervisor/Manager, I was told that person was busy. I also want to add I am a person XXXX XXXXXXXX and you may or whatever agency want check into how many loans they give to people in certain demographics to make sure they are discriminating against any protected class.. The business phone # XXXX. XXXX XXXX. XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
They called me and we settled on an amount. I paid the amount over the phone. Now they keep reporting that we settled for a higher amount and I only paid partial amounts of the debt. They are doing fraud and messing up my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 
15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C.1681 Section 604A 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 2022-03-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C.1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I received the attached letter from XXXX  Saying they have deleted this account because they could not verify the accuracy of it. On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent letters to all three credit bureaus asking them to check the accuracy of the date filed the case number along with all other items listed on my report. After much research I have found that the bureaus can only verify this information with XXXX  There is no account On XXXX and therefore should be removed from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I received the attached letter from XXXX  Saying they have deleted this account because they could not verify the accuracy of it. On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent letters to all three credit bureaus asking them to check the accuracy of the date filed the case number along with all other items listed on my report. After much research I have found that the bureaus can only verify this information with XXXX. There is no account On XXXX and therefore should be removed from all three 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 2022-03-31 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: TX

Complaint narrative:
I Consumer, XXXX XXXX submitted the attached dispute to TransUnion on XXXX XX/XX/2022. Upon review of my rights and reports I submitted a dispute to TransUnion requesting that the listed accounts in the attachment on my consumer report be removed in accordance with 15 USC 1681a ( 2 ) ( a ) ( i ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Upon reviewing all of my documents for each of these creditors, I WAS NOT provided with clear instruction to utilize my Right to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out of having my information shared.

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 2022-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
All of sudden I keep receiving e mails from this company Affrim. It is a loan company that XXXX uses. I have never taken a loan out I have always paid for all products that have been ordered though XXXX, they started taking money out of my debit card on fill. Of XXXX I had to fill a dispute and charge my debit card after looking at the charges I already paid this in full. They keep sending me threating e mails that I owe them XXXX for items I paid in full with my debit card on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
We applied for a mortgage with People 's United Bank in XX/XX/2022. We have a loan commitment letter from them dated XX/XX/2022 offering us a 30 year mortgage with 3.875 % interest for a loan amount of {$280000.00}. The property in question is a seasonal property ( we were very clear when we applied for the mortgage that the property is a seasonal property ). The loan/sale was supposed to close XX/XX/2022. There have been innumerable delays because the bank would not provide us with information regarding who they would approve to do a title search and manage the closing ( We gave them innumerable names of reputable local attorneys and they declined those attorneys. At one point they accepted a name, but did not provide the information to the local attorney, and this led to significant delay since the local attorney was not able to do the work ). Eventually they determined they would use an out of state title company to do the work, but because of that companies delays we were notified that they would not close the loan on time. ( It should be noted that throughout this process we have always provided all information that they requested promptly ). They then attempted to charge us additional fees to extend the mortgage rate ( given that the only reason the closing will not happen on time is their own delays, this did not seem reasonable to us ( they have subsequently changed their mind on this, but it has left us feeling that we can not trust this bank to follow through with what it has agreed upon ). 

Today ( XX/XX/XXXX ) we received a disclosure to sign indicating that the bank was changing the terms and instead of the mortgage they agreed to in XXXX, they will now give us a loan of {$200000.00} at an interest rate of 4.0 %. It should be noted that the purchase price of the property is {$400000.00}, the appraised value was {$450000.00}. They are now saying they made a mistake and offered us the wrong product. It should be noted we were very clear about the type of property we were looking for a mortgage for in the beginning. It should also be noted that there was no attempt to reach out to us to explain this ( it was our phone call to them that produced this information ), they simply sent us a new set of disclosures to sign ( one day before the day when the sale should have gone through ). 

We can provide copies of documents and/or additional details as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Nelnet, Inc.
State: SC

Complaint narrative:
I have mailed several notices to Nelnet Loan Services Inc., dating back to XX/XX/XXXX and I have not received any useful replies to validate that Nelnet Loan Services Inc., are holders in due course. During the validation process the debts were transferred several times making it extremely difficult to locate whomever is reporting the debts to the credit bureaus. 
On XX/XX/XXXX Nelnet Loan Services Inc., flagged my credit files with inaccurate/unverified information. Their accounts were updated on XX/XX/XXXX Please be advised that Nelnet Loan Services Inc., are not Holders in Due Course ; no services or goods were received from Nelnet Loan Services Inc., and I have not agreed to pay/tender anything to Nelnet Loan Services Inc. Nelnet Loan Services Inc. , have not provided any documents or itemized statements VIA MAIL proving I owe any debts to them. 
Proper documentation from Nelnet Loan Services Inc., was NOT provided to me to allow Nelnet Loan Services Inc., to verify the accuracy of their data that was placed with the credit bureaus for collection. This proves that Nelnet Loan Services Inc., is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 
I have not provided signed wet-ink releases of my private information to Nelnet Loan Services Inc . 
Nelnet Loan Services Inc., does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Nelnet Loan Services Incs reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am submitting new information as my rights have been violated and cfpb needs to make this company respect the law. 

This is related to case # XXXX Under section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) once I submitted my Affidavit Of Identity theft form, that I have sent over to this company more than once now, this account was supposed to be removed and closed out. 

The most they have done is shown my balance is XXXX. That is fine, but that does help my situation. Under the Fair Credit Reporting Act, I am supposed to be protected against negative remarks that have been placed with the CRA 'S per this fraudulent account. since the company has had more then 30 days to remove this account due to me being protected under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), I now want CFPB to enforce this law and demand this account be removed from all Cra 's .

The company has already stated the balance is 0.00, and account has been discharged. so there is no harm in removing this negative account from my profile, especially if I state the account is Fraudulent and have filled out affidavit stating so and under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) I am suppose to be protected. So demand removal asap and updated reports be sent out once completed. Next step would be to file complaint with state attorney office and press charges against this company for discrimination and completely violating my rights and pursuing to report fraudulent activity on my account.

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 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
My XXXX was transferred to Mr Cooper I'm not able to access their website to make a payment my payment will not be able to be made until it's late I have not received any paperwork or contact by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
This has been an ongoing battle with Charter Communications for the last few years. I have had this dispute taken off my credit several times and it seems like the company keeps selling this and putting it back on my credit! I am going to involve an attorney now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
New Dispute, EQUIFAX will not let me access my report according to law with ease, since I've put in complaints as well as certified mail EQUIFAX will no longer let me in to view my profile. I am Depressed Very Bad, EQUIFAX is hurting me causing damages where as i am moving this month and can not let them check my credit due to EQUIFAX dropping my score drastically. It has cause headaches and pain not to mention XXXX knowing, my chances are next to none now because of EQUIFAX. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to EQUIFAX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law Keep all Accounts Remove negative Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have an Auto Loan with Ally Financial and I'm finding their business practices to be rather shady and possibly fraudulent. Ally Financial sends a loan statement each month which shows the amount that is due on that statement, finance charges, late charges, previous balance totals, and other charges. They also display the outstanding balance of the loan and the loan 's interest rate. However what I find fraudulent is when a customer misses a payment, on the next statement, the amount the missed payment was supposed to be for, is under the finance charges line, in addition to a late fee, and previous balance. What I also find fraudulent is the fact that they do not show a payment breakdown a customers statement, nor do they make it easy to find a payment breakdown so consumers can see how much they are spending in late fees, interest, and other misc. charges the lender may tack on. You have to request what is called a " payment history statement '' using their online banking email service and wait for their reply. The representative couldn't even tell me what the charges were for the year unless I gave him the exact dates of the payments. Who on earth has time for that! Time aside from that, this information should and needs to be readily accessible to consumers, especially as our country bulges into further economic deficit.

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 2022-03-31 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Name/ XXXX XXXX  Account # XXXX Account Name/ XXXX Account # XXXX, Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ 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 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 2022-03-31 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Name/ XXXX XXXX Account # XXXX Account Name/ XXXX Account # XXXX, Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ 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 explanation
Consumer complaint received 2022-03-31 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: Nelnet, Inc.
State: GA

Complaint narrative:
Loan was consolidated XXXX, servicer Great Lakes acquired in XXXX. I have disputed on many occasions the inaccurate information that has negatively impacted my credit. 
I have contacted all agencies involved and was advised that Great Lakes is unable to provide any full breakdown due to the lack of information or documentation that was with the previously servicer that initiated the consolidation. 
The servicer was originally XXXX XXXX. The date opened XX/XX/XXXX. The date of last payment with XXXX and XXXX shows XX/XX/XXXX however XXXX only shows last payment date showsXXXX. Disbursements for XXXX XXXX XXXX was {$3300.00} XX/XX/XXXX and {$3300.00} XX/XX/XXXX for a total of XXXX. From Federal student Aid site the check disbursement shows {$7600.00} with the original amount showing as {$7700.00} XX/XX/XXXX. The principal balance showing as XXXX. Great Lakes reports the original amount to be {$8500.00} with a principal amount XXXX. 
This has caused 219 % of my utilization.

Company response to consumer: Closed with explanation