vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 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: EQUIFAX, INC.
State: MS

Complaint narrative:
THIS IS IN VIOLATION OF MY RIGHTS AS A CONSUMER ... I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as of XXXX. I have been dealing with this company for just about 2 months and I am at my wits end with them. They sent our welcome packet late, has to call them to get new loan number to make payment. Their auto dialer called when it shouldnt have because they can not call us to demand payment because we had been in bankruptcy and it was discharged they did this twice before I called them to tell them to stop, and advised that we pay at the end of each month but within 30 days and I advised that per our modification and bankruptcy discharge, they can not charge us a late charge then my XXXX XXXX score drops 13 points because they reported us to the bureaus when they werent supposed to called them to get fixed, I got attitude and the agents were rude. They refused to transfer me to a manager, finally was able to s/w someone in consumer escalations she said would get it fixed and she did one of the first representatives told me I would need to prove they reported to the bureaus. I checked my experian score today and it dropped 65 points because they reported it again called again and spoke with XXXX in XXXX escalations who was very rude and basically advised it couldnt be fixed for upwards of 45 days I need it fixed before then .. he also rudely advised me of their business policy of no external emails for security and to speak with a manager it takes 1-3 business days that is ridiculous I need my issue fixed and escalated immediately I am to the point I am going to call a lawyer and sue.

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 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
I requested a check for a rent payment from Chime bank on XXXX. They subtracted the amount from my account on the day, but failed to send the check on my behalf. I was then sent the following email on XX/XX/XXXX : " Hi XXXX, Were reaching out to let you know that one or more checks you requested to be mailed on your behalf has experienced a delay and is currently expected to be delivered to the recipient by XX/XX/XXXX. 

If you need to make this payment urgently or have any questions about this message, please dont hesitate to reach out to us by responding directly to this emailwere here to help. 

We apologize for any inconvenience this may have caused. Thank you for your patience, and for being a Chime member.

Sincerely, The Chime Team '' This could potentially have a serious impact on my rental situation. I asked them for detail as to what had happened, where my money was for the month, and why they were only just letting me know what had happened ( 22 days afterward ). I received the following response from Chime : " Hi XXXX, After taking a careful review of your account, I was able to verify which checks experienced a delay to be delivered, they were the one ( s ) requested from XX/XX/XXXX to XX/XX/XXXX. 

I assure you the checks will be delivered no later than XX/XX/XXXX as stated in the email. What I can do at this moment is cancel the checks to have the funds returning to your account in 3-5 business days. I would strongly suggest you use the direct debit feature providing the biller your account number and routing number for an electronic transfer. 

Please confirm if you want to proceed with this option and I will do it right away. We appreciate your patience with this matter. Here are the checks affected by the unfortunate delay : LANDLORD XXXX XXXX XXXX PDT I look forward to hearing from you. 

Thanks, XXXX XXXX Chime Member Services ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the validity and the accuracy of this account several times since I have found these accounts reporting on my credit report. I have provided a new dispute reason for each time the account has been disputed. According to Florida law I am supposed to receive a notice of sale 10 days prior to the vehicle being sold as well as information regarding the time and place the vehicle would be sold I have asked XXXX XXXX and XXXX XXXX XXXX for that information and as of today I am still not in receipt of that information from either of these companies. I spoke with XXXX XXXX at XXXX and she advised that they received a letter from me on XX/XX/XXXX which I advised to her my last request to them was mailed on XX/XX/XXXX she advised that she believed due to Covid they have been backed up in processing requests in their office. She advised that my request for validation including the contracts, account statement, deficiency balance, and notice of sale was mailed out XX/XX/XXXX which I have yet to receive as of today XXXX XXXX. Please review recorded line conversations from XX/XX/XXXX. 

The last letter I sent to the credit bureau 's dated XX/XX/XXXX requested the bureau 's to investigate the reason why the date of last payment reports incomplete and inaccurately because XXXX  does not reflect a date of last payment, Experian reports the date of last payment of XX/XX/XXXX, and XXXX  reports a date of last payment of XX/XX/XXXX. As of today XX/XX/XXXX I have not received the results of that investigation it has been well over 45 days since I have been waiting on a response 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 non-monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was 2 transactions of {$1800.00} taken from my account. I have never done business with this particular money. This was clearly fraud. I canceled the card and filed a claim in which I was denied.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
At XXXX XXXX XXXX in XXXX XXXX, FL I was approved for a lease on a XXXX XXXX XXXX. My father passed away in XXXX & resulted in the loss of his home as well as documentation I had pertaining to the lease agreement on above vehicle. 

I voluntarily surrendered the vehicle to XXXX XXXX XXXX in XXXX. 

The vehicle was over mileage agreed in lease by XXXX miles but in perfect condition. 

I have contacted XXXX multiple times regarding settlement etc on above loan & they werent able to verify my information properly and then stated I owed {$11000.00}. 

They could not explain as to why that amount was owed and refused to send documentation regarding above amount. 

The account was CLOSED by XXXX in XXXX. 

The account has been fraudulently reopened as of XX/XX/XXXX after a phone call with XXXX XXXX in XX/XX/XXXX. 

I am being marked as still being in possession of above vehicle as well as fraudulent reporting of missed payments as of XX/XX/XXXX. 

This is unfair! This account needs to be marked as closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im sending this attachments today XX/XX/2021 To have it as a proof that I sent this documents to Transunion by mail as many other letters I sent to have as proof fro the judge Im requesting to Transunion to remove inaccurate negative account from my credit 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 2021-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had a dispute opened with Chase, about a purchase made on XX/XX/2021 by the merchant name of XXXX for the transaction amount of {$1600.00}. I got items from the carrier but the items I that I got were not the items that were listed on the website it was missing the graphics card. I would like to reopen this dispute. As The merchant was unwilling to accept a return for the package. As they did not send the full package as it was listed. The item missing was the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Chase is unwilling to go further with this dispute even though I have faxed them all the required documents and they have been unwilling to help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
I reached out to US Bank online on the XXXX of XXXX and XXXX XXXX from there reached back out to me. I discussed with him the purchase of property at XXXX XXXX XXXX in XXXX for XXXX as investment property and I was told I need 20 % down payment which I agreed to. I paid {$320.00} application fee to start the process and all the while XXXX knew I was XXXX XXXX and all my paper work submitted to him including last 3 years of taxes everything shows, that I am a XXXX XXXXt, operating under a XXXX XXXX XXXX I was forwarded to XXXX XXXX who was very lax with her responses to me but I pulled through by giving her info on everything she asked and they provided me a conditional approval by XX/XX/XXXX. Now with my closing scheduled for XX/XX/XXXX and its XX/XX/XXXX, the last three days has been drama on how I can not use my XXXX account money, which is my only source of income. So I moved the down payment to my personal account as a payment to myself and they still wont accept it since the money came from my earnings. I was never told all along that the money from my earnings can not be used. Now after two weeks of distress and due tot heir compulsion, I cashed out XXXX from personal Traditional Ira into my personal account etc and they still wont accept the money in my personal account. I am now going to make this a cash closing, when I could have chosen to do this as a cash closing and not have to go through this painful process and have my credit affected etc and saved some heartache. I think US BANK has to compensate me for my loss in both time and money. This is US BANK being Unfair and discriminating against self employed not considering their income as a source of income.

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 monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: MO

Complaint narrative:
I applied for a home refinance cash out loan XX/XX/XXXX. At application i stated my home was worth XXXX. I owe XXXX on my home currently. I was looking to take cash out, but to stay at 80 % loan to value. I got approved for the mortgage, and home was sent for appraisal. On XX/XX/XXXX I was sent documents to sign to lock in my rate and fees on the loan. The appraisal came back at XXXX on XX/XX/XXXX. The loan officer working on my file, XXXX XXXX with New American Funding, called me ON XX/XX/XXXX to say the loan came back less than the XXXX they had manually estimated the homes value at and needed to change the loan. They sent me new docs to sign which included XXXX in extra fees even though I had already locked those fees and rate in on XX/XX/XXXX. It had not been 45 days. 

I asked him about this and he said he would get back to me. It has now been 15 days and I can not get a call back from the company. 

During that time my homeowners insurance company informed me that they had not received payment from NAF and my insurance was going to lapse. New American Funding had me change my lien holder prior to loan closing. Now my insurance has not billed my current mortgage and will not because they are not listed as the lien holder. I have emailed XXXX XXXX about this 4 times starting Monday XX/XX/XXXX through today. No response. I have called him and he said there was a snafu with my loan and the vp is looking at it. It will be taken care of, but still nothing. They are stalling the loan to get outside of the 45 day lock.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
THIS IS IN VIOLATION OF MY RIGHTS AS A CONSUMER ... I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
At XXXX XXXX XXXX in XXXX XXXX, FL I was approved for a lease on a XXXX XXXX XXXX. My father passed away in XXXX & resulted in the loss of his home as well as documentation I had pertaining to the lease agreement on above vehicle. 

I voluntarily surrendered the vehicle to XXXX XXXX XXXX in XXXX. 

The vehicle was over mileage agreed in lease by XXXX miles but in perfect condition. 

I have contacted XXXX multiple times regarding settlement etc on above loan & they werent able to verify my information properly and then stated I owed {$11000.00}. 

They could not explain as to why that amount was owed and refused to send documentation regarding above amount. 

The account was CLOSED by XXXX in XXXX. 

The account has been fraudulently reopened as of XX/XX/XXXX after a phone call with XXXX XXXX in XX/XX/XXXX. 

I am being marked as still being in possession of above vehicle as well as fraudulent reporting of missed payments as of XX/XX/XXXX. 

This is unfair! This account needs to be marked as closed!

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 2021-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
When I planed to buy the car, the dealer ( XXXX BMW ) provided 1.9 % of interest rate with 60 months payment then when I signed the contract the interest rate was changed from 1.9 % and 60 Months to 5.79 % with 84 Months. I believe that they explained why they want to change the rate and period even that's not good for me and couldn't get the meaning clearly but I agreed and signed because that was almost XXXX. I had to finish it ASAP then had to back to home to care my son. 
Since I bought the car, I realized they didn't care of my car 's problems well and realized they overcharging me the interest rate than the average charging with similar credit score 's people.

In my understanding, the interest rate will be between 3 % to 4 % with 84months. I am thinking the BMW overcharging me and that's not fair. If I know that I didn't sign it. Why do I have to pay more than other people even I agreed and signed the change the interest rate and period?

Sounds like the BMW can charge me the interest rate between 3 % to 4 % with 84 months fairly for their benefit but they did more than normal.

If this is true, I am not happy and want to know the BMW overcharged me than normal.

I believe that people should have a equal and fair service.

I contacted the BMW USA to solve those issues before complaint here, the person who called me one time from the BMW USA, he advised me to talk with the dealer shop directly. So I waited 4days to someone call or email to me to solve this. But now I am not comfortable with waiting time because my first payment due is XX/XX/XXXX. Even I didn't want to talk with them, I tried. 
Also, pretty hard to believe them now. I need someone's help to solve this problem. 
I am looking forward someone can help me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Back before memorial weekend of 2021, I had a lease and purchased my vehicle through academy keep in XXXX. I then traded that vehicle for a different car. The lease/ loan company Ally financial messed up the paperwork on the whole deal. I have contacted both the financial company and the dealership from that time till now on and off. Some progress was made and the lease was closed out but since the payoff is was applied to that account it was refunded back to the dealership. Now I have talked to the dealership and they tell me that the financial company is behind but they have not received the pay off money back from the dealership after the refund so they cant process anything. So now at this point I am just waiting for the dealership to send the payoff back for my loan. I keep getting calls from the financial company saying I owe for the loan and getting late charges as well. This is frustrating especially when I dont even own the van anymore and the dealership doesnt either cuz they have already sold the van that I traded in and the loan is for.

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 2021-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I called into Exeter finance and advised them that I felt like my rights were violated based on Florida laws on repossession. I called Exeter Finance and spoke to a rep by the name of XXXX. I requested that she send me documents pertaining to the loan on this vehicle including the contract, account statement, notice of sale, and notice of deficiency balance. 
During our conversation she advised that she could not provide the notice of sale or notice of deficiency due to " time sensitivity '' I advised her that as a consumer I felt that I have the right to see the notices. I was never in receipt of the notices so I have no knowledge of how the deficiency balance was calculated or when the car was sold and how and where the car was sold. See attached credit reporting for account information.

Company response to consumer: Closed with explanation