vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: OK

Complaint narrative:
. I have two loans with Conns XXXX XXXX. From XXXX of XXXX until XXXX of XXXX. Conns withdrew 3 payments from my accounts each month for the two loans. When i confronted them about it in XXXX ofXXXX I was told it would be corrected. 
From XXXX of XXXX until today ( XX/XX/XXXX ) they have refused to provide me with the requested records that show an adjustment has been made. I have spoken with their agents on 9 occasions and I have mailed them a certified letter requesting the information. The Balances on the Loans show no adjustment. I can't understand why they refuse to provide me the customer with my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: CarMax, Inc.
State: NC

Complaint narrative:
Let me start by explaining our personal situation. My wife is a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of this year my wife was XXXX to XXXX Texas to work in the XXXX  ward of a XXXX 's XXXX. 
During her XXXX this time she was unable to avoid contracting XXXX herself. She was quarantined in XXXX of XXXX  in Texas alone. My wife handles all the finances. I was alerted that we had a 30 day late on our credit report. I called the creditor which is CarMax auto finance to try to make this correct. While sitting alone with a fever in a hotel quarantined, she had apparently made the payment on time but transposed numbers in our bill pay and it was {$40.00} short. I immediately tried to render that they would not allow me to do so. I told them I never received a phone call and verified they had my number I was told they sent me a notice as legally they are required to do in writing, to date I have never received a notice of any kind. I don't get a monthly bill from them, I don't get a monthly e-mail reminder from them. I initially set this up to autopay and we just always know when to pay it. I pointed out to the lady on the phone we've never received any sort of mail or correspondence other than solicitation from CarMax auto finance. I have over and over asked what their policy for during the pandemic was, I know they were offering payment abatement etc but when I'm asking for anything regarding a situation where a nurse XXXX to help XXXX  infected patients becomes infected they said it's against their policy to do anything. My wife and I are very distraught over this and wonder if our last name was XXXX and not XXXX if we were at have this same issue. One does not have to look far to see the XXXX profiling of the XXXX community. I have look at what our options are for resolution on this and I have read the CFPB website and followed the recommendation to reach out to the creditor. I also saw or CFPB has issued guidance to creditors in regards to how to handle XXXX  related delinquencies I do not feel as if CarMax auto finance policies in any way respect the guidance CFPB has issued, in fact I read the guidance to two different parties I spoke to and they said that is just guidance we are not required by law to do anything and until it becomes law or policies will not change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: VA

Complaint narrative:
This item was paid off for deletion with XXXX XXXX XXXX  card and it is still showing on my creditor report. It has also now been 7 years and the item has aged off and should have been deleted.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Hello, I had a Synchrony Lowe 's card and was a reliable customer making payments each month. This abruptly ended on XX/XX/22 when I was informed via a letter that my account was being closed, on XX/XX/22. To my dismay, I found out that Synchrony was erroneously trying to process payments from a debit card that was closed due to fraud. I had closed this account that month and had set up payment options with a new card, but still, Synchrony tried to pull multiple payments. This has put me in bad standing with Synchrony and inhibited my ability to get financing for a new mattress. 

I have called Synchrony 3 or more times to get this fixed. The first time I called I asked to file a complaint with the Credit Bureau, but no follow-up occurred. The second time I called I was asked to get a letter from my bank noting my debit account was closed due to fraud and mail it to Synchrony and my account could be restored. This again, turned out to be poor advice as I merely received a letter from Synchrony noting the account had ( obviously ) been closed. This spurred my third call where I was told there was simply nothing that could be done by Synchrony and that the black mark would remain. 

Synchrony needs to be held accountable for these practices. They should notify folks of issues like this and put forth some type of effort to remediate the situation for their customers. I was told they do notify folks, but I never spoke to anyone or had written correspondence of this. I have spent much more time on this than I would have liked due to a companies bad policies. They are a bad actor and need to be held responsible.

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 2022-09-23 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: VA

Complaint narrative:
This item was paid off for deletion with XXXX XXXX XXXX card and it is still showing on my creditor report. It has also now been 7 years and the item has aged off and should have been deleted.

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 2022-09-23 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: GA

Complaint narrative:
According to the FAIR CREDIT REPORTING ACT, all 3 credit bureaus must investigate unverified information on my credit report in accord with, TITLE VI OF THE CONSUMER CREDIT PROTECTION ACT and also in accord with, THE PRIVACY ACT OF 1974 as amended 5 U.S.C 552A View attachments below. 
Accounts that are unverified - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are unverified accounts .

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 2022-09-23 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: GA

Complaint narrative:
According to the FAIR CREDIT REPORTING ACT, all 3 credit bureaus must investigate unverified information on my credit report in accord with, TITLE VI OF THE CONSUMER CREDIT PROTECTION ACT and also in accord with, THE PRIVACY ACT OF 1974 as amended 5 U.S.C 552A View attachments below. 
Accounts that are unverified - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are unverified accounts XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 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: RI

Complaint narrative:
I have made many attempts to resolve the error with the account on my report. The credit reporting agency did not provide proof this account was mine or written consent to furnish this posting to my account. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent from the consumer. No proof of written instructions or consent has been provided after initial investigation. Please reinvestigate this error and them them provide proof.

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 2022-09-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX and her team at Experian Special Services reporting agency ls 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 explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Im a disabled home owner and Ive been affected by XXXX. Ive had a forbearance in place, after the forbearance ended I applied for a loan modification which has been denied. Im asking for help from my XXXX because I have limited income but they rejected my modification because I have limited income. I feel as though Im being discriminated against because I am XXXX. The only option thats being offered to me is to sell my home. I dont want to sell my home and I should be pushed to sell because of my XXXX income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
midland credit management has been attempt to collect false debts accrued by XXXXXXXX XXXX has been contacting me directly attempting to collect debts from purchases never made by me, nor by credit accounts found on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I recieved notification that I had collections for an electric bill in texas with XXXX XXXX Phone # XXXX ( XXXX ) XXXX The report came from Transworld Systems Inc Phone # XXXX The electric company is located in Texas. I live in Washington and have for several years The collections company sent my bill to my washington residence. Once I contacted them and pointed out the difference in states, they immediately told me to report as fraud and informed me that they would remove from my report. It has been several months and I have called multiple times with no resolutions. I've also called the electric company and they can confirm that it was fraud but nobody has taken the steps to remove me from the debt. Both companies today have told me to make a report with this website

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: CT

Complaint narrative:
I found that your lending practices are discriminatory against XXXX XXXX XXXX. I attempted to get a loan through Carvana and got approved for XXXX down. After uploading the appropriate documents ( submitted my 3 month income statements, my drivers license, and preparing to get insurance on the vehicle ) I was told that my income could not be accepted. Your current policy as it stands unfairly discriminates against me and other XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX and equifax has violated my rights. 

15 u.s.c 1681 sectiom 602 a. states i have the right to privacy.

15 u.s.c. 1681 sectiom 604 a section 2 ; states that a consumer agency can not furnish a account without my written instructions.

15 u.s.c 1666b : a creditor may not treat a payment on a credit card account under an ope end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
in accordance with the fair credit reporting act XXXX experian, and XXXX has violated my rights. 

15 u.s.c 1681 sectiom 602 a. states i have the right to privacy.

15 u.s.c. 1681 sectiom 604 a section 2 ; states that a consumer agency can not furnish a account without my written instructions.

15 u.s.c 1666b : a creditor may not treat a payment on a credit card account under an ope 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 2022-09-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : JPMCD card- Account- # XXXXXXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 

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. 

15 U.S.C. 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-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. 

I send out several reinvestigation letters one XX/XX/2022, XX/XX/2022 and I have heard nothing from any, not even the letter stating they received my dispute or that my credit report was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I was impacted by covid. I have called many times about the credit reporting and to discuss the cares act and the agents are refusing to help me and They keep hanging up in my face.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I opened an Apple XXXX Credit card and it seems very unfair for an older person to have to text issues, if is VERY difficult to get a person to talk to and they will not mail paper statements. Seems unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My last CFPB complaint was intended for : Mail Code : " XXXX '' XXXX XXXX XXXX XXXX 
XXXX, OH XXXX Executive Office of Chase Bank, I have filed a separate CFPB complaint on XX/XX/2022 to raise awareness to my rights which were violated. I spoke to a handful of chase employees along with your corporate employees have willfully ignored my demand for abiding by the law. 

I have mentioned I, the consumer and natural person, extended my credit and was initially discriminated against in the extension of credit by Chase applying for the CHASE VISA SIGNATURE BSUINESS card account. 

I was discriminated against in this transaction and will not tolerate this any further. Adverse action against a consumer is against the law 15 U.S.C 1691 ( C ) and Chase will be held responsible through civil liability. 

I have no received any acceptable responses since then indicating that Chase would do anything to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX Ive been working with Chase Bank Directly to stop fraud since XX/XX/XXXX. Since then I have been involved in the following data breaches but not limited to : XXXX, XXXX, XXXX, XXXX XXXX XXXX. I have spoken with my credit companies in XX/XX/XXXX and again XX/XX/XXXX. And with my primary bank in person on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XX/XX/XXXX In Arizona ; and on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX In California. 

I have had a number of false XXXX charges, fraudulent debit card use, unauthorized credit card use, and difficultly getting my accurate and authentic banking statements, bills, and reports. My statements are not to be paperless but continue to be made paperless and online statements are misrepresented and inaccurate report This Statement is a Facsimile-Not an Original. Also my credit cards are arriving without any notification to authorize receipt and one Chase Freedom credit card arrives are ready to use. 

While the California branches have I continue to experience unauthorized use and fraudulent charges, despite numerous attempts to meet with Chase Bank and prevent the theft and loss it continues to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: NY

Complaint narrative:
My student loan account is reporting a late payment on 9 different accounts during the time of COVID. I reached out to the Credit Bureaus no update o even emailed the the CEO XXXX on XX/XX/XXXX who stated that they cant have the account updated. According to the Student Aid website loans are paused with 0 interest. I have never been late on my payments always been in deferment. Please provide me with an update

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunlight Financial LLC
State: PA

Complaint narrative:
Purchased solar system from XXXX XXXX XXXX XXXX XXXX. They have closed. We were in the middle of getting problems with the system worked out when they abruptly closed. Our roof leaks, didn't get blown in insulation like we were supposed to. Have not saved on our electric bill as promised. Don't qualify for tax incentives as promised. There is numerous Breach of contract issues. XXXX XXXX XXXXXXXX XXXX XXXX got us approved through Sunlight Financial for the loan. We feel they are just as guilty!!!! We want our loan expunged or forgiven for the faulty equipment and Breach of contract!!!!

Company response to consumer: Closed with explanation