vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
2 separate deposits made into my SAVINGS account at a Chase ATM at XXXX XXXX XXXX XXXX, XXXX, TX XXXX at XXXX on Saturday XX/XX/23. First deposit read {$1300.00} and second deposit read {$1700.00}. There was a total of {$4500.00} in crisp {$100.00} bills. I have contacted the bank and they have escalated the case. Claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Banking account compromised stolen {$700.00} 4 credit cards open in my name XXXX. XXXXXXXX XXXX XXXX  opened XXXX XXXX. XXXX XXXX opened XXXX XXXXXXXX XXXX XXXX XXXX  open XXXX Actions taken by me : police report and charges pressed. Credit freeze on my social Case number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
LOBEL FINANCIAL
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I LEASED A CAR FROM LOBEL TWO MONTHS LATER THE CAR GAVE OUT ON ME IT WAS A LEMON. I TOLD THEM TO GET ME ANOTHER CAR AND THEY REFUSED. I TOLD THEM TO PICK UP THEIR CAR AND TILL THIS DAY THEY ARE CHARGING FOR A VEHICLE THAT HAS EITHER BEEN JUNKED OR SOLD FOR PARTS. I THINK THIS IS UNFAIR. THIS HAS BEEN GOING ON SINCE XXXX XXXX XXXX  AND BECAUSE OF THIS I CAN'T GET ANOTHER VEHICLE SO I CAN GO TO WORK TO TAKE CARE OF MY FAMILY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The Equifax Data Breach has severely put my identity at MAJOR risk for potential misuse. I have spent XXXX days now checking my credit for inaccuracies. Discovering data selling as an industry. Along with other American atrocities, this has taken a lot of time out of my life and added stress and pressure to my life. Affecting me deeply with the various things i have discovered and the sheer horror and terror I have been overcome with knowing how truly vulnerable my personal information is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
This complaint arises from incorrect reporting on my credit report. In the past XXXX years, Infiniti Finance has reported my account over 30 days late on XXXX different occasions. In XXXX of XXXX, a payment deferral was taken due to XXXX, at that time the late payment was to be added on the back end of the loan. The next payment made in XXXX was made on-time, however Infiniti financie inadvertenly put that payment towards principal only. From that point on, a late payment did accrue. There has never been a missed, nor a late payment on this account. Please see the attached payment history as well as the last 24 month statements. 

In XX/XX/XXXX I submitted a disput on XXXX XXXX and nothing was resolved. On XX/XX/XXXX I called Infiniti Finance to discuss the situation and it was discussed and reviewed that no payments were ever late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent letters in about the account that I wanted removed. I have rights under 15 USC 1681. XXXXXXXX XXXX and transunion is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the account listed below to be removed because Im trying to build my credit and get a house and this one account is holding me back. according to 15 USC 1681, I have the right to privacy and I did not give XXXX and transunion and XXXX a written perission to furnish these account. 

please remover this from my accounts please # XXXX XXXX XXXX XXXXXXXX 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 2022-10-27 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: GA

Complaint narrative:
I have sent letters in about the account that I wanted removed. I have rights under 15 USC 1681. XXXX, experian, and XXXX is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the account listed below to be removed because Im trying to build my credit and get a house and this one account is holding me back. according to 15 USC 1681, I have the right to privacy and I did not give XXXX and XXXX and experian a written perission to furnish these account. 

please remover this from my accounts please # XXXX 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 explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Credit card 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: CA

Complaint narrative:
I have reached out to the credit bureaus to inform them that the debt is no longer owed because of bankruptcy, and I will like for them to delete from my credit profile. Nothing was deleted.

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 2022-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmNet ESOP Corporation
State: TX

Complaint narrative:
We applied for a home loan using agent XXXX XXXX ( license # XXXX ) and were pre-approved. We had a meeting with XXXX and expressed concern that another mortgage lender had denied our loan. He said he personally reviewed our file and there were no concerns. On the day we were supposed to close, XXXX said there were delays due to the other parties involved. We responded promptly to every request from his team in an effort to expedite. During this time XXXX was difficult to reach. Finally 2 days after we were supposed to close, XXXX sent a text at XXXX saying the loan had fallen through because my job was temporary. I had provided a letter from my job from the beginning stating it was temporary employment and nothing had changed. We later learned that this is a common reason people dont get approval for their home loans and likely why we were not approved by the other lender. Meanwhile, we were 2 days past when we were supposed to close on our new house. We had sold our home in XXXX  that we had been living in on the basis of being approved for this loan for our new home in XXXX. We were staying with our toddler and XXXX XXXX at friends house with past due XXXX carrying all of our possessions in their driveway. When we tried to contact XXXX, he was unreachable. Our realtor and the title company could not get ahold of him either. I scrambled to borrow money from family because we were literally homeless. As I arranged a cash deal with the title company on my own, the title agent said that XXXX was the worst loan agent that she had ever worked with in all her years due to lack of communication throughout the whole process. A full day later, after we had figured out everything on our own, XXXX left a voicemail on my cell phone that he had been away from his desk during this time and his team, not him, made mistakes and that this was an opportunity for growth. The term opportunity for growth is not a term you should use when describing a situation in which you did not do the XXXX job you were supposed to do leaving a family literally homeless. When a home loan that you are responsible for is past closing date due to you not doing your job, the last place you should be is away from your desk. XXXX XXXX should be ashamed of himself and should not have a mortgage license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am simply asking you who gave you permission to report on my credit profile. Also, who gave you permission to furnish a debt without me knowing to a credit reporting agency? A credit reporting agency is a third party they do not work for you. You can simply remove the account from my credit report for you are violating my rights to privacy according to the Gramm Leech Bliley Act. Also since you did furnish this account without my consent and reported on it every month without me knowing that is identity theft which is a felony. According to the law, it states in 18 USC 1028A ( Aggravated Identity Theft ) that whoever knowingly possess, transfer, or uses another person 's identification without their knowledge shall be sentenced to a term of imprisonment of 2 years. I am pretty sure you do not want a huge lawsuit on your hand for furnishing this debt without the two most known forms that all companies must have in order for a consumer to consent to SSA-89 or SSA-827 form Authorization to Disclose Information. Those are the only two forms that must be sent to me to even furnish this debt with my permission. You never offered those forms to me. Also since you are still reporting the information without me knowing you are literally damaging my consumer report without me knowing. My consumer report took a hit because you do not care, and this caused me to miss the job that I initially had high hopes for. 

You are in violation of 15 USC 1692c ( b ) Which states that without prior consent to a consumer, you can not report to a consumer reporting agency. You have been doing that all along which is a felony, and that also results in identity theft. I did not give you consent and you are still doing what you want. I demand you to remove this account from my consumer report immediately and if not then pursuant to 15 USC 1681n ( Civil liability for Willful non-compliance ) you will pay me { {$1000.00} } per damages to my consumer profile and { {$1000.00} } per violation. So tell me who gave you the consent to report on my consumer report because it wasn't me?

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 2022-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: FL

Complaint narrative:
I pulled my credit report and this company was reporting some debt I know nothing about from a company that no longer exists. I have not received ANY correspondence from this company AT ALL about this alleged debt, yet they are reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: IL

Complaint narrative:
I sent in a dispute letter on XX/XX/2022 its been 30 something day and still haven't heard nothing back from the credit bureau. This the third time in 6 months and they not responding on time

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 2022-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and equifax are doing shady practices by not allowing me to get a copy of my credit report which a consumer can not be denied per the FCRA, They have locked me out from my account and when i call to have them unlock they are telling me i am answring incorrectly when i know the responses i am giving them are accurate along with this they are adding things to my credit report while i am locked out and allowing me to be taken advantage of. I have had things pop up on to my XXXX and equifax only while my XXXX  does not report what they are showing. I am demanding a remedy for the damages they have caused me or i will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/2022 - I checked my online banking account- noticed an unauthorized transaction of {$500.00} from Debit card - I immediately called and reported. 
Was told my card needed to be closed out a new one ordered- they said transaction will be stopped and funds replaced. 

Today XX/XX/2022 I needed to transfer funds in my checking today XX/XX/2022 ( from my savings ) so I could make a daycare payment and pay another bill - UNABLE to do this without the overdrawn amount being taken out - as this caused my account to be overdrawn as it was not authorized so did not transfer funds to cover - I DID not authorize this and Wells Fargo had NO business authorizing a payment from an account that did not have the funds- I was transferred many times only to hear sorries and apologies. They even transferred me to a XXXX XXXX one time!!!! 

I can not do anything with transaction - Wells Fargo kept transferring me and I kept having to call back - I requested numerous times to be transferred to a manager or supervisor - the last time waited on hold entirely too long. I have been banking with them for YEARS and this is ridiculous. ANY other time a transaction is DECLINED for NO funds to cover in account - EVEN if I have it in my savings- THIS was not a normal transaction for me so usually a Fraud alert will pop up - NO ONE CAN explain where the ball was dropped and told me all they can do is apologize and I had to WAIT! on top of that one person had the nerve to YELL at me and act like I had NO reason to be upset and did not deserve a fast resolution to this. As if me banking with them for YEARS meant NOTHING. I am NOT a new consumer!!!

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 monetary relief
Consumer complaint received 2022-10-27 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: College Ave Student Loan Servicing, LLC
State: IN

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15usc1681 sections 602 states i have the rights to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

dates are XX/XX/2022 and XX/XX/2022 The amount is {$62.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC

Complaint narrative:
I was in forbearance during COVID and the lender ( Rushmore ) was not cooperative as I tried to resume monthly payments. CFPB helped me get Rushmore to offer loan modification documents so that I could make regular monthly payments rather than pay the money due from forbearance all at once. 


I signed the modification documents digitally and had them notarized and returned them in XXXX ( see attached ). I sent the first payment ( XX/XX/XXXX ), which Rushmore accepted. In XXXX then received paperwork indicating that I had not returned the loan modification documents, so I emailed. I did not initially hear back but eventually they stated ( see attached email ) : " We have completed our review and it appears that we received the XXXX XXXX documents, however it appears that the documents do not have a wet-ink signature and HUD will not accept these documents. Unfortunately we were not able to complete the loan modification. Your loan is also scheduled to be serviced released by XX/XX/XXXX to XXXX XXXX, XXXX. '' However, the loan modification documents say : " XXXX. Governing Law ; Severability. This XXXX XXXX shall be governed by Federal law and the law of the jurisdiction in which the Property is located. '' The property is in Virginia. Virginia law allows for digital signatures, see : https : XXXX Accordingly, I do not believe Rushmore had any grounds on which to not process my loan modification docs. The plain language of the document does not say anything about signatures. It does specify that Virginia law applies and Virginia law allows digital signatures and e-notaries. 

I just want to resume my monthly payments and they are making this as difficult as possible. I have done everything they asked and they just don't seem to hold up their end of things. I believe I complied with the loan modification docs and that it's a binding agreement now that I have accepted the offer and that they can not unilaterally fail to process it. I am worried I will lose my house. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
15 USC 1681i ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the list of accounts below : Acct Name : XXXX Acct Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX 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. 

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately

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