vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
As Executrix for the Estate of XXXX XXXX XXXX I filed a distribution request with XXXX XXXX. XXXX XXXXXXXX Account Number is XXXX. I also completed an Affidavit of Domocile. This was completed on XX/XX/XXXX. I also requested copies of statements of the account as well as 1099s in order to file the estate tax return. I could not get XXXX to respond so I hired an attorney. They would not respond to the attorney either so a subpoena was issued by the XXXX XXXX XXXX XXXX, XXXX of XXXX, for account records. XXXX did not comply with the mandatory court ordered date. XXXX claimed the subpoena stated " Any and all account information or date, ... .. ) but did not specifically state " 1099s ''. XXXX ultimately forwarded the statements and 1099s but did not make distributions. 

On XX/XX/XXXX the XXXX XXXX XXXX XXXX issued a court order to make distribution by Friday, XX/XX/XXXX. XXXX failed to comply with the court order. My attorney sent a message on XX/XX/XXXX inquiring about the status of complying the mandatory court order. XXXX has not responded. 

My attorney says the only left to do is to file a law suit. 

XXXX has not right to withhold the money.

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 2022-06-24 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 XXXX  Account Numbers XXXX. XXXX XXXX ( Account Number : XXXX ) Date : XX/XX/2020 2. US DEPT OF EDXXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXXXXXX XXXX XXXX  ( Account Number : XXXX ) Date : XXXX XXXX XXXX XXXX  ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account Number : ( XXXX ) Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Date : XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) has violated my rights.

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

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

Company 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 2022-06-24 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:
In accordance with the Fair Credit Reporting Act XXXX  Account Numbers XXXX. XXXX XXXX ( Account Number : XXXX ) Date : XX/XX/2020 2. US DEPT OF EDXXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXX. XXXX XXXX  ( Account Number : XXXX ) Date : XXXX XXXX XXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account Number : ( XXXX ) Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Date : XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX. XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Date : XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: OH

Complaint narrative:
Fraudulent accounts are in my report, I requested validation through the original contract but no contracts have been sent to me ever since. This request has been ignored as shouldn't be the case as the law states that I am able to request a contract between me and the company that I have allegedly had an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, h

as violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act DPT EDXXXX 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 US DEPT ED 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

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 2022-06-24 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: GA

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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 6. FDCPA Section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

9. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

10. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: FL

Complaint narrative:
my cell phone and wallet were stolen and they got into my email and passwords, for that I was locked out of email and telephone associate with this account, I reported it to company, all passwords were in my email and phone and because of theft, and unable to access personal information I was not able to follow up on account. company is. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: FL

Complaint narrative:
my cell phone and wallet were stolen and they got into my email and passwords, for that I was locked out of email and telephone associate with this account, I reported it to company, all passwords were in my email and phone and because of theft, and unable to access personal information I was not able to follow up on account. company is. 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 2022-06-24 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: MD

Complaint narrative:
This complaint is addressed to XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and all agents and employees doing business as Carvanna, LLC and serves as My notice of opportunity to cure and intent to sue. I have applied via 3rd party for an extension of credit in which Carvana accepted the duty. 

The application process is deceptive and misleading, and they are requesting an egregious amount of {$14000.00} for a downpayment which is a TILA violation. I was informed that the Financial Institution XXXX required the $ XXXX downpayment and that I would have to speak with them. I called XXXX and I was informed that they do not have anything to do with that and I'd have to work it out with the " Dealer Ship ''. I then initiated a text conversation with a Rep, to no avail I was instructed to give Carvana a call. The next day I called Carvan back at ( XXXX ) XXXX and requested to speak to a manager. One hour later I received a call back from XXXX XXXX. 
XXXX was unwilling to escalate my issue or sort it out as he indicated that he was not competent enough to understand the violation I was citing because he was not an attorney. 
In good faith Ive tried multiple times to get this remedied. 

The problem : Carvana, LLC is violating Truth in Lending 15 USC 1662 ( 2 ). 
No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. ( Pub. L. 90321, title I, 142, XXXX XXXX XXXX, 82 Stat. 158. ) I've attached exhibits to show that Carvana not only advertises Downpayments in various amounts but also changed the amount further along in the purchase process. This is an unfair and deceptive trade practices and a violation of the above regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I was current when COVID 19 pandemic hit on XX/XX/XXXX and took the forbearance from Shellpoint mortgage. My income was reduced and I am a 100 % XXXX XXXX XXXX XXXX  veteran trying to keep my home Towards the end of the forbearance I called on XX/XX/XXXX and they said my forbearance was extended, I also called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was told the same thing They then told me it was never extended and I had to apply for a loan modification even though when I took the COVID forbearance I was reassured my loan would be brough current. Now in XX/XX/XXXX I am facing foreclosure despite attempts to obtain the loan modification to get current to begin making monthly payments. I can afford the monthly payment but just need help to pay the past due as promised

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leaders Financial Company
State: WI

Complaint narrative:
About a month ago I got a text message from Leaders Financial congratulating me on my auto loan and telling me the due date for first payment of {$410.00}. I had not made any such loan, had not bought a car since XXXX, and had never heard of Leaders, so I just deleted the text. On XX/XX/XXXX I got a text telling me I was 12 days overdue and to call or click Leaders. I looked Leaders Financial up online and found they were based out of New Jersey ( I live in XXXX  and have not been near NJ since XXXX ) were involved in secondary auto financing, whatever that is, and had nothing but bad reviews on XXXX, so I was afraid to contact them, since it could be a scam. I thought maybe somehow it could be Identity theft, so I checked my credit report and saw no listing of a loan through this company, and have had no weird or unknown charges on any of my bank accounts or credit cards. Possible scamming keeps from calling them, so I'm filing this complaint in order for the CFPB to investigate and contact them instead of me, then let me know what is going on.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have never had a late payment in my student loan for over 10 years and the Navient company never notify me of the late payments that they were reporting on my credit report during the pandemic I was never aware of any problems with this account until they notify me that the account was going to be charged off when I did not pay. But I immediately paid it when I realize that they were putting late fees and late payments on my credit history. 

First of all, is not fair that I was not notify of this problem and that they went along with it for over 8 months. 

Secondly this late payments are inaccurate because I did make my payments in XXXX on time. something that I do not understand is, why would they report a late payment when it did not happen. 

I have already notify the company of this problem but they refuse to correct their mistake the late payments are inaccurate. I am asking for Navient to send proof that I was in fact late in the accounts and that all the information is correct and verifiable. 

All this happen between XX/XX/XXXX to XX/XX/XXXX The fair credit reporting act establish that all accounts reported in a credit report have to be 100 % accurate and verifiable if the account is not accurate or verifiable the account needs to be removed. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act Southwest Credit Systems Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

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

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In order to unfreeze my credit profile with Experian, they now require me to create an account. 

After creating my account, they are sending daily marketing messages. They are claiming these messages are " account alerts '', but they're for other financial products and paid services that Experian is trying to upsell me on. 

There is no option to unsubscribe from these messages, because they are " account alerts ''. If I filter these messages or mark them as spam, I may miss important information about my credit freeze status ( e.g. a malicious actor manages to unfreeze 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 non-monetary relief
Consumer complaint received 2022-06-24 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: Synovus Bank
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

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

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation