vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On Friday XX/XX/XXXX, I received a cheque for {$600.00} in the mail made out to me and drawn on an account with Fifth / Third Bank in XXXX XXXX, MI by the XXXX XXXX XXXX XXXX  ( XXXX ) - a State Agency. It was a refund of an overpayment of child support. 

That same day, I presented the cheque for payment at a local branch of Fifth / Third Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX. I had valid identification with me ( a Michigan Drivers License ). 

I was told by the cashier that it was company policy to charge a 2 % fee and that I would need to build a credit profile with their bank as I don't have an account with them. I told her that they have an obligation to cash the cheque without a fee. She refused. I left. 

I believe that this was illegal. In this case, I was fortunate to have an account with a local credit union and could clear the cheque through it. I had hoped to access the funds immediately but was forced to wait. 

This policy clearly is discriminatory and forces the poor who don't have bank accounts ( primarily people of XXXX ) to pay their fees. It is also a disgrace. They are charging their clients for having a checking account but are refusing to honor their cheques unless certain conditions are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Carvana Group, LLC
State: TX

Complaint narrative:
On XX/XX/2023 I am getting a car with carvana. When I first started the paper work I signed up for the short warranty and was given an XXXX XXXX. Before I finshed the paper work and gave my down payment I ask if I could take the warranty. I was told if I did that they would have to start the paper work over and the system might ask for more verification paper work to be sent in. I think that was just a tactic to keep the charge on my account. Carvan pushed my delivery of my car back twice. Sending me out two different sets of paperwork. On there app it has my XXXX XXXX I called them and ask them to send me out paperwork with the updated XXXX of XXXX not XXXX XXXX they told me the XXXX XXXX was a mistake and XXXX would stand. I told them thats is a bait and switch and they could not do that. I Also told them I had not signed the new paper work and since the car had to been delivered the old paperwork did not count. They told me nothing could be done I ask for managers and was denied. I ask again and was told I would have to wait 24-48 hours for a call back. I told them u would file a claim and they disregard me and pushed me to the side there custom service is horrible and they only tell you take the car or go some where else and buy one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-05-16 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: AL

Complaint narrative:
Experian is reporting the accounts listed below on my consumer profile pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 *XXXX Account # XXXX Validate Account *XXXX  Account # XXXX Validate account I read the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Identity Theft *XXXX Account # XXXX Validate account Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address at XXXX XXXX XXXX XXXX, Alabama XXXX. 


Thank you for your time and help in this matter. 

Sincerely, 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 2023-05-16 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Date XX/XX/2023 NAME XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX CREDITOR NAME JP Morgan, Chase auto finance CREDITOR XXXX XXXX XXXX XXXX. Credit Bureau Disputes XXXX, LA XXXX Dear CREDITOR I I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I never gave you ( JP Morgan, Chase, auto finance, ) any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. ( JP Morgan, Chase auto finance ) has caused severe stress and anxiety due to the abusive and unfair practices. 
You ( JP Morgan, Chase auto finance. ) should be ashamed of yourself for assuming this role and position to constantly commit fraud and cause hard to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
ACCOUNT NAME - Acct # Chase Auto ACCOUNT Number- Acct # XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
Using Moneygram.com I sent money to receiver XXXX XXXX Reference Number XXXX, send amount of {$1100.00}. 

The receiver when to bank to receive the money, she provided the reference number and filled out Receive form, after this- she was advised that they do not have XXXX and she needs to come another time. 

less than 1 hour from the time she left the bank/moneygram location, the money were withdrawn but not by the receiver! 

Bank Name : XXXX XXXX Address : XXXX, XXXX XXXX. No : XXXX, XXXXXXXX XXXX I called XXXX to raise the complaint. They never asked for the location of the bank. 

Problem : XXXX says there is no issue because the reference number is provided and money was withdrawn. 
They are not looking deeper to see if they have an issue with MoneyGram representative stealing reference numbers. 

The receiver provided the necessary information to the bank/MoneyGram representative and they had all the information needed to withdraw the money : ( 1 ) reference number and ( 2 ) Receive form signed by the receiver. 

Even though, it was mentioned that we believe the " reference number '' is stolen by the MoneyGram representative, MoneyGram never asked about the location of the bank Second Problem : I have requested the necessary information used to make the determination, but no results.

See attached email resolution from MoneyGram

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

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 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I was given a trial modification of two months. XXXX started the modification. In XXXX I was told they didn't except my signature. They sent me a new signature page with postage. They claimed they didn't receive it. So uploaded it to their site. They accepted my XXXX payment. XXXX payment was returned with a foreclosure notice. My previous payment were not returned or applied to my account. My statements say no payment was made making my balance higher. They never validated my debt. My loan was originally a XXXX  product, and was sold after the big lawsuit that broke the real-estate market in XXXX. My mortgage was one of those mortgages. I have been trying to prove this since XXXX. I filed a wrongful foreclosure on my own, which I did incorrectly. The case was not going to be in front of the judge in time for the sale date of XX/XX/XXXX, so I filed bankruptcy on XXXX XXXX. The rears went on the bankruptcy, but they still won't except my payments, as of XXXX XXXX. They are trying to sabotage me and take my home. I have been trying to sale the home to get out of this situation. My XXXX  stopped the sale in XXXX of last year, and wouldn't except the payment for false liens. XXXX XXXX  XXXX has been harassing me for years with their self made rules. I have a civil suit pending, for the loss, the selling and discarding of my property, due to downsizing. I had a townhouse ready for purchase contingent on the sale which fell through. I had 5 closing scheduled waiting on a release that never came. These thingds made me have to move back in an continued this aggravation with Select Portfolio servicing LLC, the collection agency that services my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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:
My credit score decreased XXXX points over a 4 day period. I do not have any new credit, I have nothing that negatively affected my score and furthermore my balanced decreased. 
I can not get in touch with Experian. 
This is unacceptable. I have been trying for years to restore my credit.

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 2023-05-16 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: Rent Recovery Solutions
State: GA

Complaint narrative:
RENT RECOVERY SOLUTIONS REPORTED INCORRECT INFORMATION TO MY CREDIT AGENCIES ON XX/XX/2016, ( R.R.S ) WRITTEN CORRESPONDENCE HAS BEEN REQUESTED ( FOUR ) TIMES FOR VALIDATION OF DEBT. ( R.R.S ) PROVIDED SOME DOCUMENTATIONS BUT IT WASN'T VALIDATION OF DEBT. 
INFORMATION THAT I RECIEVED HAD INCORRECT SPELLING OF MY NAME & SIGNATURE THAT DOES NOT MATCH MY AUTOGRAPH AT ALL. 
THE AMONTS LISTED IS AS FOLLOWS : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital one has a referral bonus for 360 checking accounts where an existing user sends their unique referral link generated in the app or website. The friend follows the link to open an account, and the offer is after 2 deposits within 75 days from account opening, both myself and my friend would get out {$50.00} bonus credited to the account. 
However, on following up, we were informed by capital one that they would not be honoring that as they have stopped the bonus program as of XXXX. 
Which is odd as I was able to pull up the link as normal to refer my friend. The page STILL states that you can get your bonus and nowhere is there any indication of that being paused. I feel deceived and misled because I would not have followed through with referring anyone had I known the program was paused. 
I called and spoke with both customer service as well as a supervisor informing them of their company misleading consumers, but they simply stated they would not be honoring that whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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. 

PLEASE SEE ATTACHED 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 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
Hello CFPB, I hope there is help on CFPB end to the continuing issue I XXXX XXXX, a Licenses Real Estate Agent for over 18-years, am having with the issues listed below : From Number XXXX XXXX ) There is NO language in the DOT or the Master HOA Covenants stating Insurance H06 is a requirement of the Borrower Therefore, this is not a Lender requirement period. Both XXXX XXXX  and XXXX XXXX after reviewing the HOA Covenants agreed that NO H06 Insurance is required. Both two reputable Lending Companies. They did not miss anything it wasnt there. There were discussions about this during the underwriting phases in both cases. 
2 ) PHH Mortgage has violated the Truth and Lending Laws after purchasing a mortgage from XXXX XXXX Closing Lender, and attempting to change the Lending requirement, of which, PHH acted on their own without proof this H06 Insurance policy is a lending requirement. 
3 ) PHH Mortgage has violated sections of RESPA by force placing a H06 Insurance policy by their Insurance company providing them a fee or annual insurance premium of {$460.00} that is not required by the Borrower because the Master HOA Covenants states in Article XI INSURANCE AND CONDEMNATION 1. ( a ) state the unit condos are 100 % covered through the HOA monthly dues and fees etc. 
4 ) Borrower after many attempts with PHH Mortgage to give PHH a better understanding of the HOA condo regime insurance policy, but they refused to cooperate and to this day still does so. This led to the Law Suit. 
5 ) Borrower also submitted a claim with the CFPB Consumer Financial Protection Bureau Complaint Number XXXX due to the fact PHH Mortgage has delayed making the appropriate changes back to the original agreed Mortgage Note from XXXX XXXX. Borrower is going to Re-open the claim or a new claim against PHH Mortgage with CFPB whereas the Borrower is praying for Penalties and Fines against PHH Mortgage within the next 24 to 48hrs. 
6 ) Borrower is seeking a minimum of {$50000.00} if this issue is not resolved in an educated business like and/or professional manor with one week of this notice.

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