vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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: Grain Technology, Inc.
State: CA

Complaint narrative:
On XXXX XXXX Ive sent a letter to Grain Technology , INC. stating the violations they have done and reporting illegal information on my consumer report. The letter states : To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

GRAIN TECHNOLOGY , INC . 
Account # : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) -EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experience between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between ( ME ) and the person ( XXXX XXXXXXXX XXXX  ) that is making the report. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which XXXX clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s : GRAIN TECHNOLOGY , INC . 
Account # : XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent of Non-Compliance Civil liability Mental Anguish Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- XXXX. Civil liability for willful noncompliance [ 15U.S.C. 1681n ] Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SC

Complaint narrative:
Below is an exchange with the company via XXXX XXXX. Following XXXX XXXX I sent a certified letter explaining my situation and asking them to reach out to me. I received a letter dated XX/XX/2022 welcoming me to the company, listing basic information and FAQs about the company, and my loan information. I was on the verge of having my loan forgiven prior to this company taking over my loan and prior to XXXX XXXX  announcement and I am concerned that I will need to begin making payments again even though my loan should be XXXX at this point. HOURS waiting for a customer service agent is inexcusable. I do not know anyone who has the time to wait that long to speak with someone. 

Via XXXX XXXX : XX/XX/2022, XXXX AM Me- I HAVE BEEN LISTENING TO RECORDINGS FOR XXXX MINUTES!! How do I speak to a live person about my my account?! I tried to create an account online but it said I have already registered. When I clicked the forgot username and password, it said that info in not on file. Also, my account was transferred from XXXX  XXXX and you have not reached out to me yet. 

XX/XX/2022, XXXXXXXX XXXX  MOHELA - XXXX XXXX You will need to speak with us about account specifics as we can't discuss account details here via XXXX Thanks for your patience Me - Can you tell me how to reach someone I can speak with? 

MOHELA - After the recordings are done, your call is then placed in a queue and you will be transfered to the next available representative. It can take hours due to the heightened interest in loan forgiveness Me - Hours is not acceptable. If you were not prepared to handle the influx of calls, you should not have taken my loan. 

MOHELA - We are prepared, however, with the recent announcements about loan forgiveness, now all borrowers are asking and calling. This has created the large wait times.

Me - Also my problem is with the website its self - I have never registered an account but when I try, it tells me I have but then when I try to retrieve the info it says I havent. Fix this IT issue and I wont need customer service. 

XX/XX/2022, XXXX PM MOHELA -Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was a victim of identity theft and I have no acknowledgement of these 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 non-monetary relief
Consumer complaint received 2022-11-09 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXXXXXX XXXX DEPT OF EDUCATION XXXX XXXXXXXX Account name : XXXXXXXX XXXX  DEPT OF EDUCATION XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX - has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: TX

Complaint narrative:
Account # XXXX Comerica Bank Identity Theft XX/XX/2014 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Please note that this is not a duplicate complaint. This is about an unauthorized wire transfer done by XXXX because of their sheer incompetency and carelessness. 

XXXX has no internal controls or validations. They delayed my XXXX wire transfer requests of $ XXXX each ( to XXXX different banks ) for days for no valid reason. Now they have incorrectly sent both wire transfers of $ XXXX to the same bank. 

Not only that, when I called them to alert them about their mistake this morning, they still failed to do their due diligence and prevent this disaster. A supervisor named XXXX lied to me on a recorded line saying that even though there are XXXX debits in my account of $ XXXX going to the same bank ( XXXX ), the second transfer is indeed going to the correct bank XXXX XXXXXX/XX/XXXX). Of course that was again a lie. I just checked my XXXXXX/XX/XXXXand they have received $ XXXX and $ XXXX from XXXX. How can people running XXXX be soXX/XX/XXXX? They have put me over the FDIC insurance limit with the XXXXXX/XX/XXXXbecause my bank balance with that external bank is now over $ XXXX. 

On top of that, my financial transaction with the XXXXXX/XX/XXXXis on hold now as they never completed that $ XXXX wire transfer. Just now spoke to a supervisor XXXX and all she can do is say " I apologize '' with no way to fix anything. Because XXXX has fraudulently sent another $ XXXX to XXXX XX/XX/XXXX without my approval, there are not enough funds left in my account to send to XXXXXXXX XXXX XXXX XXXX as per my instructions. And XXXX is refusing to do anything about this other than to say " I apologize ''. 

I can't complete the transaction for which I needed the $ XXXX in XXXXXXXX XXXX XXXX XXXX and I have lost days of interest on the unauthorized XXXX transfer they sent to the XXXXXXXX XXXX 

History XX/XX/XXXX Outbound wire to XXXX XXXX XXXXXXXX. - {$250000.00} XX/XX/XXXX Outbound wire to XXXXXXXX XXXX XXXX  - {$250000.00} The one from XX/XX/XXXX in unauthorized wire transfer. 

Scheduled Transactions XX/XX/XXXX Outbound online wire to xxXXX - {$250000.00} My authorized wire transfer request to XXXX XXXX  is still pending and is still showing up in Scheduled Transactions even though there are not enough funds left in that account because of XXXX 's unauthorized activity. 


Here is the case number that was provided to me XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX JP Morgan Chase Tx Identity Theft XX/XX/2019 I have NO knowledge of this Chase account. Reporting it as Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: GA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS XXXX. XXXX ( {$5400.00} ) Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( {$2000.00} ) Account XXXX XXXX XXXX XXXX  XXXX  ( {$640.00} ) Account XXXX 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 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
I been a victim of fraud I paid credit card and my card was lost and the balance were used I was promised a check in the amount of XXXX which I never received in the mail to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: GA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS XXXX. XXXX ( {$5400.00} ) Account XXXX XXXX XXXX XXXX XXXX  ( {$2000.00} ) Account XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Upon checking my credit report, I notice an account from SYNCB/BrandsMart that XXXX believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that SYNCB/BrandsMart were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.

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 2022-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
My mortgage company includes my child support in my payment. I have explained multiple times, including sending documentation that I do not receive my child support but, only about three times a year. During this year since inflation hit I have been struggling to make my payments. I spoke with the company on XX/XX/2022 first thing in the morning speaking to representative XXXX along with XXXX XXXX who has been helping me with this situation. During that phone call, XXXX told us both that I had to have {$4000.00} before XX/XX/2022 to stop the foreclosure. I sent the amount on XX/XX/2022 and it cleared my bank on XX/XX/2022. I was never given a reinstatement letter, which I had no idea what it was until today when my payment was again returned. I called and spoke with XXXX who told me that XXXX on XX/XX/XXXX, gave me an incorrect amount and now I have to come up with {$6300.00} by XXXX XXXX They are charging me late fees even though I was given an incorrect amount. I am on the phone with them again with XXXX to get information on the reinstatement letter and modification paperwork. Now telling me by third representative that the amount XXXX, that the information given in the XXXX phone call was nowhere correct and it is documented nowhere in there system. I was on the phone for 1 hour and 4 minutes without reaching anyone who could help me. A second reinstatement amount was given for {$6100.00} that has to be received by XX/XX/2022, that I will not be able to come up with. It was openly admitted that I received totally incorrect information from their representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XX/XX/XXXX I submitted my documentation to obtain an Authorization Letter from Kia Finance to ship my vehicle. I am currently financing my vehicle from XXXX so when I moved from XXXX XXXX XXXX  ( XXXX move I'm serving in the XXXX ) I needed that document to allow the shipping of my XXXX XXXX XXXX. Their website says it'll take up to 5 business days to obtain the letter. Now, XX/XX/XXXX I have no received the letter nor any clarification of why. I've called numerous times ( 4-5times a week ) and have had no assistance what's so ever. I'm not behind on payment, I've submitted their documents, and have waited more than their required time.

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 2022-11-09 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: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I submitted XXXX disputes based off of identity fraud, once in XX/XX/XXXX and second in the beginning of XX/XX/XXXX and both times it wasnt removed and when I reached out to the company XXXX I was turned away and told I need a police report. When I went to a local XXXX police precinct, XXXX, on XX/XX/XXXX I wasnt able to file a report because I didnt have fraud affidavit from Acima and when called in the presence of the police officer I was informed they do not provide that and I wasnt able to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: LA

Complaint narrative:
15 USC 1681c-2 FTC VIOLATION . EXPERIAN, XXXX, AND XXXX FRAUDULENT REPORTING, FRAUDULENT ACCOUNTS, REFUSAL TO PROPERLY INVESTIGATE AND SUBMIT PROOF OF FINDINGS, REFUSAL TO REPORT FINDINGS, REFUSAL TO CORRECT AND REPORT TRUE CONSUMER HISTORY. EXPERIAN, XXXX, AND XXXX REFUSAL TO PROPERLY ADMINISTER CONSUMER ACCOUNT ; REFUSAL TO ACKNOWLEDGE CONSUMER COMPLAINTS.

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