vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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:
The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means an consumer report or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, but how is that possible if the date opened is NOT accurate, date reported is NOT accurate, the date of last activity is NOT accurate, and date last reported is NOT accurate, account status is NOT accurate, and the original creditor name is NOT accurate. 

This is grounds for removal. In accordance with the Fair Credit Reporting act. The Account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions I did not give anyone my written instruction 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 2022-12-13 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: 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 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information or 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 accurate.

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 2022-12-13 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: MS

Complaint narrative:
Under the fair credit reporting act i want to know the name of the person, their title and contact information that verified the information as being mine. If you cant provide this within 15 days the accounts are to be removed immediately. If this continues i will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: MS

Complaint narrative:
Under the fair credit reporting act i want to know the name of the person, their title and contact information that verified the information as being mine. If you cant provide this within 15 days the accounts are to be removed immediately. If this continues i will be forced to take legal action.

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 2022-12-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: AL

Complaint narrative:
XX/XX/XXXX Entered into 36 month lease with BMW financial Paid {$2500.00} upfront Paid 14 payments to BMW financial at $ XXXX Paid car insurance for the BMW Paid title fees for the BMW XX/XX/XXXX BMW totaled XX/XX/XXXX BMW notified my lease terminated payoff of my lease with BMW good thru XX/XX/XXXX {$40000.00} Payout from my insurance {$46000.00} BMW is keeping the difference of the payoff and amount my insurance paid, because " they own the car. '' Offered 50 % of overage of insurance paid in " loyalty awards '' IF I buy/qualify for a new BMW. Giving me my insurance money and calling it loyalty awards. It's not awards when my insurance paid them. 
I made 14 payments of {$720.00}, {$2500.00} upfront, {$6100.00} overage from my insurance and a pay out amount of {$46000.00} for a loan payoff of {$40000.00}. They also state I owe them the XXXX payment plus my {$1000.00} deductible to pay my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: MD

Complaint narrative:
XXXX. The mortgage was taken out in my name in the autumn of XXXX ; my wife could not be a co-mortgagor because she was not resident in the XXXX at the time of purchase. 
XXXX. Mortgage was paid on time until the XXXX pandemic when my wife and I were compelled to go into forbearance, which was offered by the original mortgage company, XXXX XXXX XXXX. 
XXXX. XXXX later assigned the mortgage to Midland Mortgage. 
XXXX. Forbearance continued XXXX. About XX/XX/XXXX, Midland offered me a loan modification, which we accepted. 
XXXX. I signed and notarized the documents the same day I received them, and returned them to Midland via courier. 
XXXX. Unbeknownst to me, Midland gave only 1 day turnaround time -- meaning I received it today, notarized it today, and had to ensure that it arrived at their offices the following day. 
XXXX. I have no idea whether this is best practice or even what regulations determine the setting of such tight timelines XXXX. The notarized application was rejected because it came a day late. 
XXXX. I chatted with a Midland representative afterward by phone to restart the process. I mentioned the unconscionable turnaround time and asked for notice by email of updated documents being sent to me. 
XXXX. Midland emailed me updated loan modification paperwork online, which I printed out, notarized and sent by XXXX the same day at a XXXX XXXX XXXX. Midland rejected this one also because of page numbering 13. Midland then sent me another loan modification application, which I again notarized and sent for next-day delivery XXXX. " Next day '' according to the date provided by Midland was a Sunday. This indicated to me that return-by dates were set arbitrarily.

15. I nonetheless paid the cost required for the documents to be delivered the next day, although the package would not be delivered until the following Monday. 
XXXX. During this period ( forbearance and the modification runarounds ) I was XXXX  ( XXXX XXXX ; XX/XX/XXXX to present ) due to being laid off twice XXXX. We were meeting the mortgage on my savings and my wife 's income ; but in XX/XX/XXXX, my savings were exhausted. 
XXXX. The accumulated forbearance plus interest has now grown to over {$70000.00} XXXX. We received a letter from a law firm Midland retained informing us of their intention to foreclose.

20. I have submitted another modification request and will follow up with an extension of time request.

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 2022-12-13 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
in accordance with fair credit reporting act EXETER FINANCE LLC Account number : XXXX has violated my rights. 

15 USC 1681 SECTION 602 STATE I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 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.

15 USC 1681 SECTION 602 AI STATES INFORMATION SOLEY AS TRANSACTIONS BETWEEN CONSUMER AND PERSON ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I did not authorize the transfer from my Ally Checking account on to XXXX. 

Specifically, I did not authorize the transfer that took place. Under Article Three, subsection 3.12 ( Written Statements of Unauthorized Debit ) of the NACHA Operating Rules [ 1 ], any authorization is required to contain express authorization language, including the entities debiting my account and receiving my funds. [ 2 ] Based on reporting and public documents, XXXX did not use a dedicated bank account to receive user funds and instead used an unrelated entity which I have no relationship with, XXXX XXXX. XXXX XXXX and its agents debited funds from my account without my consent. 

Therefore, I have a good faith basis to believe that a valid XXXX Authorization was not obtained and the payment is unauthorized and fraudulent. 

I would like my debit for {$4900.00} from XXXX on XX/XX/2022 reversed via XXXX please

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am a victim of Identity theft- Someone/ Or persons have received appliances from XXXX XXXX- and use my name and identity/social security number without my permission- Credit cards with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts. 

Please know that the Only accounts that should be reporting on my Credit Reports is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All others I am given the agencies- XXXX, XXXX and XXXX Please remove all others. 

I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent. 

I have been a Victim and advocate against such crimes since 2008 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 non-monetary relief
Consumer complaint received 2022-12-13 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: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I am a victim of Identity theft- Someone/ Or persons have received appliances from XXXX XXXX- and use my name and identity/social security number without my permission- Credit cards with XXXX, Avant, XXXXXXXX XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts. 

Please know that the Only accounts that should be reporting on my Credit Reports is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All others I am given the agencies- XXXX, XXXX and XXXX Please remove all others. 

I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent. 

I have been a Victim and advocate against such crimes since 2008 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
To Whom it Concerns : I have a Veteran Home Loan, which according to everything I been taught, read, and heard, does not have a pre-payment penalty. I spoke to employees of Cross Country Mortgage regarding a large amount of money I paid on the new home I just bought. I am pre-paying the principal ; a down payment, basically. 

In addition, I have paid a little bit of extra money on most months towards paying off this mortgage, which they haven't recalculated at any time before or after my phone call with them. 

I am told that there will be a re-calculation fee. I told them that I have a veteran administration loan and there shouldn't be any pre-payment fee. 

That there isn't a re-calucation fee for any pre payment or extra money I have paid towards this mortgage. I expect that any additional money I put down each money to be automatically accounted for and for my mortgage account to be re-calcuated anytime I pay extra money -- no matter how small the amount. 

I am concerned about this extra charge. Please address this concern for me. 

Kind Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX XXXX my new credit card was charged to the max XXXX XXXX.showing a purchase which was I didnt initiate after contacting the store I was assured that they will fix the issue I went to the store and finalized the order ..total was {$4200.00} balance was to be refunded to the card as agreed My order was never delivered even after making multiple attempts to contact the store.. 
I filed a dispute with the bank where the merchant presented a different receipt and claimed XXXX XXXX of {$9700.00} as cancellation charges While the final order was for only {$4200.00} And I never cancelled my order XXXX did not delivered anything

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 2022-12-13 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: NY

Complaint narrative:
t has been more than 60 days since my original request and it is illegal for this to happen. I sent certified mail with return receipt and first class mail. I have reached out several times and have asked them to verify and validate accounts that i am disputing. They responded that these accounts are accurate and verified. i reached out again and ask for a re-investigation and still after the reinvestigation it comes back as accurate and verified. The law states that- U.S. CODE In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or remove that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-12-13 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: 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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information or 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 accurate.

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 2022-12-13 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: NE

Complaint narrative:
Experian credit report # XXXX Experian I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below are reporting 100 % accurate. However, these accounts are still inaccurate, and Experian is still continuing to report errors on my credit file which is causing damage to my credit score. 

XXXXXXXX XXXX  account # XXXX inaccurate payment history, past due amount on Charge Off {$1200.00} XXXX XXXX  account # XXXX inaccurate payment history I have previously requested that you investigate this information and you have failed to correct these errors, you are reporting on my credit report NOW is not the time to update I demand that you immediately DELETE this information from 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 2022-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: AZ

Complaint narrative:
Reference : XXXX I reject your offer to contract. I have not given my lawful authority for any non affiliated third party to be in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028 A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I have reasonable cause to believe that Balanced Healthcare Receivables LLC,. XXXX XXXX XXXX XXXX XXXX XXXX. have all conspired to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies I will file for suit of intentional infliction of emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
I HAVE AN ACCOUNT THAT IS NOT MINE, IVE CALLED & DISPUTED IT TO BE REMOVED. THEY REFUSED THE XXXX ACCOUNT WAS TERMINATED IN LEGIMATION AND THE CREDIT BUREAUS REFUSE TO REMOVED ACCEPTANCE NOW - XXXX XXXX XXXX XXXX XXXXXXXX

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