vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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: MD

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 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 2022-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
NISSAN MOTOR COMPANY / NMAC ACCOUNT : XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am a natural person, XXXX XXXX and am writing this letter on my own behalf. 
When I entered into this consumer transaction, with NMAC company account number XXXX that NMAC / NISSAN was and is in violation of 15 US code 1601, Ch. 41. 
Congressional findings and declaration of purpose. My understanding is that there must be an informed decision for there to be an agreement, and that did not happen between us. 
The first fact is that I made an uninformed decision when I entered into this consumer transaction.

Congress says in part ( a ) that there must be an informed use of credit, therefore this is a violation, as I made an uninformed decision.

Next, in part ( g ) congress says the the person to whom the debt is arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or, if there is no evidence then by agreement. You are in violation because there is no evidence of indebtedness, only an agreement, which is null and void because I made an uninformed decision. 
I also have requested to see proof that you suffered a loss or injury from the transaction. You have denied me that proof and a copy of the 1099C you should have filed after the charge off. I am concerned there may be tax fraud in addition to consumer protection violations. I have learned that the IRS defines charge offs as income and income isnt supposed to be reported on the consumer report. However, you have damaged my reputation by providing this to the credit reporting agencies for several years.

Finally, in part ( K ), Adequate Notice, congress says there must be a printed notice clearly and conspicuously printed so the consumer is reasonably expected to understand. A computer generated notice of legal jargon was not understood by me, it was not clear and conspicuous and this is in violation. 

Regards, XXXX XXXX XXXX Cc : CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: VA

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, 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 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SLM CORPORATION
State: CA

Complaint narrative:
I got Sallie Mae credit card for {$200.00} rewards after spending {$1000.00}, I paid it all off and they said I have to make another {$200.00} purchase in order to use the reward towards payments, after couple of months they said I owe {$400.00} so I told them I didn't authorize two {$100.00} purchase and disputed the charges and I said you can use the rewards to pay for the other {$200.00}, they refused and said I have to make a {$100.00} payment, since yhe account is delinquent! I never told them to email the statement as I always work with mailed statements so I never saw their email for the payment..I have a very good credit score as I'm alway on top of my payments and they ruined my credit by reporting to collection agancy!! I regret I ever did business with this company!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Grievance against Elan Financial Services and my Secured Credit Card closing mechanism fails to provide logical justification in holding my actual cash value for two months. I have legitimately paid off my XXXX. with Elan FS via XXXX XXXX XXXX. Therefore Elan FS has no logical justification to suggest nor to insinuate that a need to withhold my account money would protect Elan FS against a chargeback because the checking account belongs to me and I have proven it to you via this grievance. [ See screenshot-a. ] Furthermore, the XX/XX/2022 transactional records which are posted to my XXXX indeed show that it compromises all direct from retail merchants. Therefore Elan FS has no logical justification to be expecting transactional amounts to change. [ See screenshot-b. ] Furthermore, the account holder has only just incurred a single fee during the year of 2022 which was recorded on XX/XX/2022, 130 days ago, and there aren't any foreseeable fees. [ See screenshot-c. ] Please take note, the account holder has not made any international transactions, nor made any cash advances either. Lastly, the webpage hosted by Elan FS where the terms and conditions are located but before account approval, is apparently obsolete because upon viewing it and considering the fact there is a signature line which must be filled out in handwriting, I did not at all agree to it, Elan FS did not contact me to sign it, and Elan FS did not provide me competent contract terms. [ See N.J.S.A. 56:8-2 and see Rent A Center, Inc. v. Antonio Jackson , 561 U.S. 63 . / ( A determination that a contract is unconscionable may in fact be a determination that one party did not intend to agree to the terms of the contract. )

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 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX XXXX WERE NOTIFIED OF MY BANKRUPTCY FILING AT XXXXXXXX XXXX  THE DAY OF THE TRUSTEE SALE DATE. I HAVE MY PHONE RECORDS REFLECTING THE OUTBOUND CALLS. I FAXED OVER MY BANKRUPTCY FILING INFORMATION AS WELL TO XXXX AND XXXX XXXX XXXXXXXX PRIOR TO THE TRUSTEE SALE HOUR OF XXXX XXXX YET XXXXXXXX XXXX XXXXXXXX PROCEEDED WITH SELLING MY HOME TO A THIRD PARTY. HOW BEING A TRUSTEE DID THEY SELL MY HOME WHEN I NOTIFIED THEM OF THE BANKRUPTCY FILING PRIOR TO THE TRUSTEE SALE HOUR. HOW?? I HAVE ASKED THEM FOR A PAYOFF SINCE THEY STATE I NOW HAVE TO PAY THE LOAN, WHICH IS FINE I CAN NOW PAY IT OFF IN FULL. THEY STOLE MY HOME OF MANY YEARS. A HOME IN OUR FAMILY. I AM ASKING THEY REVERSE THE ILLEGAL SELL THEY PROCEEDED WITH. GIVE ME THE PAYOFF DEMAND AND I WILL PAY YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Company reported delinquent payments missed to my Credit Report. After the Vehicle was in there possession for months prior. Shared my Report with third Party. Violating my Privacy. 
Account # XXXX XXXX XXXX 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 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 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 person knows or has Reasonable cause to believe the information was in correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Okay Eye just got off the phone with Great Lakes/Department of Education regarding student loans and XXXX admitted that no Man or Woman representing Great lakes/U.S. Department of Education were present in the event that the contract/partnership/agreement was made which would constitute a meeting of the minds regarding everyone who's involved in the partnership. She also admitted after being asked who's been making payments towards the account if the Man who attended XXXX XXXX XXXX has not made one payment toward such account yet the account is paid up in good standing? She admitted that there could be fraudulent activities as she can be heard looking into the records themselves. This constitutes from the representative of Great Lakes/U.S. Department of Education own mouth that there's not only fraud and that they are the borrowers of the credit which was extended to them but there's proof of failure to validate pursuant to 15 U.S.C. 1692g that the Man whom they've made claims owing a debt does not owe such debt and that Man is actually owed back the credits which Great Lakes/U.S. Department representatives borrowed. No truth in lending disclosures can be found in the promissory notes, contracts/ agreements or partnership nor were there any disclosure pursuant to 15 U.S.C 6802 to opt out of financial institutions not disclosing personal information to a non-affiliated third party. The XXXX XXXX best explained the justification for the mutually exclusive approach in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, where the court found that a company that acquire [ s ] [ performing ] debt [ and ] continues to service it is acting much like original creditor, whereas a company that acquires defaulted debt must have acquire [ d ] the debt for collection [ and ] is acting more like a debt collector. To justify this approach, some courts look to the exception in F.D.C.P.A 's definition of " creditor '' and find that any person who receives assignment of an account in default is doing so solely for the purpose of facilitating such debt for another. Even if the entity owns the4 debt and is thus the person to whom the debt is owed, these courts find that the exception takes them out of the definition of creditor because the debt was originally owed to another. See XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2008 ) ( finding that the definition of creditor excludes those who acquire and attempt collect a debt in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
This is the third time I've reached this company and the second time I've submitted a complaint. They have yet to respond. 

They have reported me as delinquent on a lease that was not mine. I have provided proof back in 2021 that this debt is not mine. I have contacted the credit agencies and they have removed the debt collection ; then these XXXX  at Hunter Warfield continue to call me regarding this debt, and reported me as delinquent AGAIN. I have provided proof AGAIN, and have not heard back from these XXXX regarding this debt. 

I don't understand what is so difficult. The name does not match my name. I have provided ample evidence - a passport, my DL, a pay stub, my birth certificate. These morons even have the application that shows a DIFFERENT NAME, and yet they still insist that I am the person who needs to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
XXXX shows a XXXX delinquent bill to Goldman Sachs bank. It is listed as overdue since XX/XX/2022. I do not have any accounts or credit cards with goldman sachs. I have called goldman and verified that they do show a delinquent account in my name. They indicated that I needed to fill out this form to help them verify that it is a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Atlantic Mortgage and Funding, Inc.
State: LA

Complaint narrative:
I applied for a XXXX loan XXXX third. Atlantic Mortgage never sent a loan estimate. They collected additional information for the loan XXXX XXXX through the XXXX We paid for appraisal XXXX XXXX Still no loan estimate on the seventh after we asked for it. The loan has been completely processed at this point. Lenders have to provide a LE within 3 days of application. They can not ask for additional info. They can not ask for fees before the LE is given. We ddi not know this at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, I was asked to pay a debt by MRS Associates on behalf XXXX XXXX XXXX XXXX. Thats a debt that never was mine, I canceled my plan because they were charging me a nonsense amount of money each month. When I canceled they said I was fine and I had no debt, now this entity MRS continues to call me to collect a debt and people from XXXX is calling me all the time, they do not talk to me about the issue when I try they keep saying to pay the debt with no intend of listening. Now my credit went down XXXX points and it is unpleasant. Never had a collection debt or delinquent debt before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: VA

Complaint narrative:
XXXX, XXXX and equifax are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of XXXX  bill XXXX XXXX XXXX. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: VA

Complaint narrative:
XXXX, Experian and XXXX are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of XXXX  bill XXXX XXXX XXXX. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.

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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/22, I deposited XXXX checks totalling {$1000.00} into a personal checking account at TD Bank at XXXX XXXX XXXX, XXXX, PA using my ATM card. Only XXXX of the checks totalling {$800.00} were credited and I have been trying to resolve the missing {$200.00} since that date. I went into the bank immediately afterwards and they opened a XXXX XXXX investigation, the results of which were that the XXXX checks which were not credited had been destroyed. This is not correct because one of the checks was drawn on a XXXX account and the owner of that account was debited {$200.00}. No one seems to know where the {$200.00} is and TD has never credited my account. It then made an adjustment request and today I found out that had been closed. So my neighbor 's account has been incorrectly debited {$200.00} ( he wrote a check for {$100.00} and somehow he was charged for the XXXX {$100.00} checks ) and I have never been credited for the {$200.00}. This all happened on XX/XX/XXXX and it is literally almost XXXX months later and despite innumerable phone calls, emails, and several in person visits to the branch, I can not TD to resolve this issue. Fortunately, I maintain a large enough balance that I can wait for the resolution, but what about a person who needed access to the {$200.00}?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Panorama Mortgage Group, LLC
State: NV

Complaint narrative:
I applied to this mortgage company because they say closing the gap. Helping XXXX  own properties after turning all documentation requested. I called the phone 3 to 4 times before receiving a disturbing call stating who is this and why did you call this number. Oddly I was speaking a representative from legacy home loan but couldnt have known that if she did not address herself. After that disrespectful correspondence I received and apology and tried to complete the loan. But the representative was upset as anyone would for my complaint and return stated I was ( disrespectful ) and the company closed my loan? As my professionalism isnt a part of apply for any loans.

Company response to consumer: Closed with explanation