vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
me and my wife went thru the entire process and for some reason me and the loan specialist were slightly bumping heads and all of a sudden when we were going to close which were a couple of days in the process the place that we were trying to get a mortgage loan VA declined on our loan due to personal reasons which is totally against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Exeter Finance, LLC.
State: IN

Complaint narrative:
I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respond. these companies are : XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respond. these companies are : XXXX XXXX XXXX XXXX  XX/XX/XXXX, Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX ally financial XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I was scam for my account for {$1000.00} and they wrote a check acting like me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I have been trying for the past 3 months to get an update on my credit and credit dispute results however, i keep getting beat around the bush with no updates it has been more than 30 days and no results from my investigation. Please see the attached documentation for my complaint towards the XXXX credit bureaus if they can not meet my demands I want the identity theft information I disputed on my credit report gone

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 2022-03-31 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: AZ

Complaint narrative:
On XX/XX/2022 i checked my credit report and came to find out that someone used my personal and financial information to open 8 different types of accounts. These accounts were open by the thief that stole my identity a long time ago. i noticed so many incorrect information that did not pertain to me and that i never used before. Like my name that was changed and addresses that i never lived at before. Also the accounts that were not ever opened by me. I immediately filed a Police report with the XXXX police department and contacted the FEDERAL TRADE COMMISSION to file a police report as well as an IDENTITY THEFT REPORT. I then submitted my complaint to the credit bureaus and nothing was done with supporting documents. I never received any type of mail regarding the outcome so i decided to file a complaint in regards to my identity theft. I never opened these accounts listed in my Identity theft report in or around the opened dates. i sent them notarized documents to support my 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 non-monetary relief
Consumer complaint received 2022-03-31 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022 i checked my credit report and came to find out that someone used my personal and financial information to open 8 different types of accounts. These accounts were open by the thief that stole my identity a long time ago. i noticed so many incorrect information that did not pertain to me and that i never used before. Like my name that was changed and addresses that i never lived at before. Also the accounts that were not ever opened by me. I immediately filed a Police report with the XXXX police department and contacted the FEDERAL TRADE COMMISSION to file a police report as well as an IDENTITY THEFT REPORT. I then submitted my complaint to the credit bureaus and nothing was done with supporting documents. I never received any type of mail regarding the outcome so i decided to file a complaint in regards to my identity theft. I never opened these accounts listed in my Identity theft report in or around the opened dates. i sent them notarized documents to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 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: ND

Complaint narrative:
In acordance with the fair Credit Reporting Act XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions

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 2022-03-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I have been trying for the past 3 months to get an update on my credit and credit dispute results however, i keep getting beat around the bush with no updates it has been more than 30 days and no results from my investigation. Please see the attached documentation for my complaint towards the XXXX credit bureaus if they can not meet my demands I want the identity theft information I disputed on my credit report gone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I have been trying for the past 3 months to get an update on my credit and credit dispute results however, i keep getting beat around the bush with no updates it has been more than 30 days and no results from my investigation. Please see the attached documentation for my complaint towards the XXXX credit bureaus if they can not meet my demands I want the identity theft information I disputed on my credit report gone

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 2022-03-31 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: NV

Complaint narrative:
I've filed a dispute about my credit report and the incorrect items below stated on my credit report. Its been over 30 days since I contacted Experian, XXXX, and XXXX, and have not received any investigation results back yet, so hence this complaint. 

Below are the accounts I have disputes with, please review and help me out with this. 
Thanks so much. 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account status ( Closed ) {$2500.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX Account status ( Closed } {$3500.00} Date opened : XX/XX/XXXX XXXX XXXX Account numberXXXX  Closed {$690.00} Date opened : XX/XX/XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan {$17000.00} XXXX XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$3900.00} XXXX Account number XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$1700.00} XXXX Account number XXXX Account status : Open Date opened ; XX/XX/XXXX Account type Education Loan {$3000.00} XXXX XXXX Account : Open Date opened : XX/XX/XXXX Account type Education Loan {$870.00} XXXX XXXX Account status Open Date opened : XX/XX/XXXX Account type Education Loan {$3100.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account type Open account {$67.00}

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 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1. XXXX XXXX received a text from J.P. Morgan Chase Bank asking if she recognized activity to {$200.00} to XXXX XXXX XXXX, {$2500.00} to XXXX XXXX ( text received XXXX pm XXXX XX/XX/2022 ) 2. Wrote 'No ' in return, verified that it was a Chase phone number 3. Return text said a hold has been placed on your card, we'll be contacting you shortly. 
4. XXXX called number XXXX ( this is the Chase phone number on the back of her Chase debit card ), at XXXX pm XXXX XX/XX/2022. XXXX 's husband, XXXX XXXX, PhD listened in on the call. 
5. Since XXXX initiated the call to the Chase number, she believed she was talking to a Chase representative.The person gave his name as XXXX XXXX, ID XXXX XXXX. Person on other end asked if we knew a person named XXXX XXXX ( sp? ) in XXXX, Georgia. We were informed that this man had taken out {$5000.00} from XXXX 's account. XXXX was informed that she had to go to XXXX to reverse this transaction. 
7. " XXXX XXXX said he would walk us through the reversal process and said that because he was with Chase, he would never ask for a username or password, and never did. He asked if a different email than XXXX 's was hers ( XXXX ), she said XXXX. ' XXXX 's email is XXXX 8. We started on the laptop but he informed us this needed to be confirmed on the smartphone with the XXXX app. It didn't work initially. Then " XXXX '' instructed XXXX to put her middle name in the app ( XXXX XXXX XXXX ) 9. " XXXX '' instructed us to put a sequence of numbers and letters in the memo field : XXXX. Then he told us to put in a verification code : XXXX. He said we would receive an email confirming that the {$5000.00} was back in XXXX 's account. 
10. We received an email, but no {$5000.00} in the account. ( email to XXXX, account name XXXX XXXX XXXX, XXXX, said that XXXX XXXX XXXX, XXXX had sent {$5000.00} to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I have no record of these inquiries on report nor did I give information for my record to check i tried calling these company and could not get through their automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Nelnet, Inc.
State: CA

Complaint narrative:
My student loans are currently in deferment yet nelnet is still reporting my payment status as late and it is severely affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
I opened an account with Coinbase last year and have been transacting in the account since. For no apparent reason I was asked this week to upload my drivers license ( Note : I had already done this when I first opened the account ). I have now been denied access to my account, despite multiple license uploads. They have not only given me no explanation for this, but have sent me texts to notify me that my account was now accessible, when it is not. I have been denied access to my funds and appear to have no recourse. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I tried to open both checking and saving account with Citizen Bank. A week later, I received debit card with PIN number in separate mail. However, I am ending with that I couldnt activate my account anymore. Then, I received a letter from citizen bank that saying they are going to close both of my accounts and they will no longer maintain banking relationship with me. I have no clue what is going on. And I have very good record with banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ASTA FUNDING INC.
State: FL

Complaint narrative:
Good afternoon, This a formal complaint agains Asta Funding Inc Located at XXXX XXXX XXXX XXXX NJ XXXX This company has been reporting incorrect information on my credit report I have reached out to them but nothing has been done the have reported incorrect balance to my report multiple time which has cost me the loss of me being able to close on a home purchase because of there mistakes. Credit report should reported every month correctly.

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 2022-03-31 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: PA

Complaint narrative:
On Saturday, XX/XX/XXXX, I submitted an electronic application for a mortgage refinance through XXXX XXXX XXXX in XXXX, NJ. XXXX XXXX, a XXXX XXXX  XXXX at XXXX started the initial processing of our application yesterday, which of course included a credit check. Today, XX/XX/XXXX, within a span of XXXX hours, I received XXXX separate, unsolicited calls from other mortgage providers, as well as unsolicited text messages. I asked a few of them how they got my info and they said it was sent to them by Experian as a result of my credit check. XXXX person called me XXXX times in a row after I answered and forcefully told him to stop calling. He called again and threatened me, saying Experian gave him all my personal info and he would be putting it all over the internet. Within an hour of that call, I got XXXX text messages about alleged purchases that I did not make. XXXX worried that this person was given my social security number, credit card accounts, and home address! Ive reached out to Experian via social media and was asked to contact them via direct message. I did that and received no reply.

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 2022-03-31 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: MoneyLion Inc.
State: GA

Complaint narrative:
I have no knowledge of the information on my consumer report. This does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Lewis, McDonnell & Associates
State: GA

Complaint narrative:
I have no knowledge of the information on my consumer report. This does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: VA

Complaint narrative:
Inquiries are reporting on my account incorrectly causing my score to drop tremendously. I'm in the process of home buying and this is causing issues please assist. I contacted each burea to dispute inquiries also sent dispute letters to have it removed from my 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 explanation
Consumer complaint received 2022-03-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
PLEASE REMOVE AT ONCE. 

XXXX XXXX XXXX Opened XXXX Closed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX $ XXXX Account charged off. {$130.00} written off pass due as of XX/XX/XXXX XXXX XXXX XXXX Potentially Negative Date XXXX Balance XXXX Status/Paid, Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2.00} Status/Account charged XXXX $ written off. {$2.00} past due as of XXXX XXXX XXXX XXXX I /Pontentially Negative Balance - Status Paid/Closed date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$650.00} XXXX Account charged off. {$450.00} XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$910.00} Status/Collection Account. {$910.00} past due XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} Status/Account Charged off. {$250.00} writtenoff. {$370.00} pa XXXX XXXX XXXX XXXX {$100.00} Status /Closed

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 2022-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I entered into a consumer credit transaction for a XXXX XXXX XXXX XXXX vehicle with Carvana, LLC. I have sent affidavits certified to Carvana and their XXXX XXXX informing them that my contract was fraudulent and misleading which were delivered on XX/XX/XXXX and XX/XX/XXXX. These were all Federal violations of the Truth In Lending Act which included falsely stating the finance charge ( 15USC1605 ( a ) ) by not including my insurance with the finance charge as well as not providing me with the proper documents and disclosures of my right of rescission ( 15USC1635 ( a ) ). I demanded my right of rescission, monetary relief of {$30000.00}, an audit trail and account records of the transaction, the title to the vehicle free and clear, reimbursement for all insurance payments made Pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) for Criminal violations as well as Civil violations Pursuant to 15 USC 1611 due to their negligence. I received a response dated XX/XX/XXXX only stating that I still owe the debt and nothing further. I have included all the Federal Consumer Protection Laws in the affidavit mailed to them proving their violations of the Truth in Lending Act and they failed to acknowledge and respond accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal temporarily limited my Paypal without any explanation. They said that they will review it within 5 days. Ref ID : XXXX. 7 days has passed, I emailed them twice asking when will it be fix but no responsed whatsoever. It is really frustrating because I always used Paypal primarily to received my salary to my boss and to my my other transacations.. Today I have a lot of pending payments.. Hope they can fix it soon. Thanks!

Company response to consumer: Closed with explanation