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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX 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 XXXX XXXX XXXX XXXXXX/XX/2021

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Experian Information Solutions Inc.
State: FL

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE is in violation of the XXXX  for non-compliance to disclosures. They have been notified of the non-compliance of the " XXXX '' and they continue to willfully invade my privacy by disclosing my private- non public financial information. According to the Fair Credit Reporting Act, XXXX, XXXX XXXX XXXX, XXXX and CAPITAL ONE are in violation of XXXX in connection to non-disclosures and reporting my private non public financial information. I have also sent this complaint for non-complaince of the XXXX to the Texas State Attorney General.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60dayXXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/XXXX I paid sent {$5000.00} to a vender via chase bill pay. on XX/XX/XXXX, Vender informed me that they never received the check. On XX/XX/XXXX i placed a stop payment request on the bill pay check. I was notified by chase that the stop payment was completed. On XX/XX/XXXX, I called chase as the {$5000.00} was not credited back. The rep stated that the check was stopped and it took XXXX business days to be refunded and that I would receive the credit that day or the next ( XX/XX/XXXX ). The stop payment was never credited. I called today and was informed that the check was never stopped. that I had to call in to stop a bill pay check. now I have to wait another XXXX days for the credit. Additionally, they refused to stop payment unless i agreed agree accept liability if the check was fraudulently cashed for another 2 days. I was forced to agree to their " disclosure '' or they would not now stop the check. I believe that chase has purposely and intentionally created a difficult process to stop bill pay checks to cause delay in crediting the account in order to hold money that is not theirs interest free. Additionally, they are coercing consumers to accept liability before stopping a check. These terms, conditions, and liability are not disclosed to consumers when opening an account. Their customer service intentionally misinformed me about the status of the stop payment.

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 — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I purchased a lemon used car ( XXXX XXXX XXXX ) from Chrysler Capital in XX/XX/XXXX. The loan was a high interest predatory loan. Also I informed them.of the misspelling to my name on the loan documents. The car caught fire in the first week I had it I ask for a full refund 2 days after buying the car but was refused. The car had to under go 10 ton 12 repairs within the first 2 months I had it. I also received several manufacturer recalls in the mail during this time. This car was dangerous from the start and indangeraded my entire family. 
The car eventually stopped running in XXXX XXXX, CA and I reported that to Chrysler Capital. I have communicated by phone, emails and certified mail to resolve this issue. The auto loan was sold from Chrysler Capital to Santanders in XXXX without my knowledge or consent. As mentioned above Santanders was involved in a class action settlement/lawsuit due to their involment of predatory lending. I was informed that I was to receive mometary damages and the title to the car within 6 months. It never came. To date I have paid {$17000.00} for a car that never worked. I have been attempting to get the title of my car released but Santanders will not release my title. I DO NOT have a contract with Santanders and any information from Chrysler Capital was given to this entity without my consent. I am still receiving DMV notificatioms for registration fees.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As a federally protected XXXX, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

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 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 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As a federally protected XXXX, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
Swiss Colony/Montgomery Wards continues to validate a debt I don't own. The creditor continues to report inaccurate information to 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: 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: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I have been speaking with one of my mortgage company representatives and shes basically just giving me the runaround concerning my amortization schedule I have been clearly righting to her concerning my amortization schedule but the representative is giving me all these mixup emails concerning something opposite of what I am directly writing to her about this matter at hand Is concerning me deeply that a mortgage company will have Representatives to act in a manner that they are.

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 — Billing problem
Company: American Credit Acceptance, LLC
State: UT

Complaint narrative:
Dear American Credit Acceptance, We are writing this letter to inform you of pending legal actions regarding American Credit Acceptance regarding the status of a loan payoff check. 

On XX/XX/XXXX, we sent refinance paperwork to XXXX XXXX XXXX XXXX XXXX XXXX ) located in XXXX, California, and they received the paperwork in the following days. Then, after receiving said paperwork, XXXX sent American Credit Acceptance ( ACA ) a check for the full amount of the XXXX XXXX XXXX financed through ACA. 

The first check was sent on XX/XX/XXXX, and was credited to the account in question, yet was then reversed for unknown reasons. XXXX sent another check on XX/XX/XXXX, and the check was delivered to ACA located in XXXX, South Carolina on XX/XX/XXXX, being signed at the front desk by a man named XXXX XXXX. 

On XX/XX/XXXX, {$130.00} was credited to the account coincidentally on the same day that the check for {$17000.00} was received and signed for by the aforementioned XXXX XXXX. This is proof that the check in question was definitely received by ACA. 

We have tried to speak to your billing department regarding a lost check that American Credit Acceptance claims to have either never received, or never credited. We have tried speaking to the customer service department, but no remedy could be found.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE is in violation of the GLBA for non-compliance to disclosures. They have been notified of the non-compliance of the " GLBA '' and they continue to willfully invade my privacy by disclosing my private- non public financial information. According to the Fair Credit Reporting Act, XXXX, XXXX XXXX XXXX, XXXX and CAPITAL ONE are in violation of GLBA in connection to non-disclosures and reporting my private non public financial information. I have also sent this complaint for non-complaince of the GLBA to the Texas State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To Whom It May Concern : I disagree with your decision. I live in a secure building with cameras and my landlady reviewed the cameras and wrote to me and told me that there were no packages delivered at XXXX PM. In addition, the apartment complex does not have a mailroom as alleged by the XXXX delivery person. I want my money back the way it was tendered to SAKS Fifth Avenue or I want my XXXX XXXX perfume. I paid for the item with a gift card and charged the rest with my credit card. I have disputed this charge with my credit card. I have spent over {$10000.00} this year at Saks Fifth Avenue and I am going to get my perfume. Please see the email below from the apartment manager. Did the delivery person take a picture of the package? No. Give me back my money. I used my Saks Fifth AVenue Credit Card to make the purchase. Saks ignored my 5 letters regarding the fact that I did not receive the Jo Malone perfume that I paid for but did not receive. 
ORDER DETAILS Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Payment Method Gift Card XXXX {$35.00} SaksFirst Store Card {$15.00} Billing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ORDER SUMMARY Subtotal {$48.00} Shipping FREE Tax {$2.00} Order Total {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

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: NJ

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. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX ( 2 ) XXXX AC # XXXX, XXXX AC # XXXX, XXXX XXXX AC # XXXX, XXXX XXXXAC # XXXX, XXXX XXXX XXXX XXXXAC # Has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency cant furnish a account with my written instructions. 15 U.S.C.168c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following of information other than records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s2 ( 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 the information is inaccurate.

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: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Approved for assistance with payments, but Rocket/Quicken not set up to accept these payments. Need them to accept these payments asap please. 

Your application for Mortgage Payment Assistance through the XXXX Homeowner Assistance Fund Program, where assistance was requested for your primary residence located at XXXX is now on hold. The servicer you have selected, Quicken Loans has not been setup to accept payments at this time. We are currently communicating with your servicer and requesting their participation in the HAF program.

Company response to consumer: Closed with explanation