vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CCM Finance LLC
State: TX

Complaint narrative:
To whom it may concern, my automobile was stolen by CCM XXXX Finance in the form of a " Repossession '' for the second time this year of 2022. On the XXXX day of XX/XX/2022 I requested a payoff to be sent to me in the mail to the address on file and I have never received it. Today, the XXXX day of XX/XX/2022 is when CCM XXXX  Finance has stolen my automobile for the second time after I, the consumer, have exercised my rights to rescind in pursuant to 15 U.S. Code subsection 1635 " Right of rescission as to certain transactions '' in the form of a contract made by I, the consumer, a Debt Validation letter. I, the consumer, sent the letter via Certified mail through USPS on the XXXX day of XX/XX/2022 to CCM Finance lien holder address XXXX XXXX XXXX, XXXX Tx XXXX. I then received confirmation via Green Return Recipe, that the Debt Validation letter was received and signed by XXXX XXXX on the XXXX Day of XX/XX/2022. Also, the tow company XXXX XXXX, who was authorized by CCM Finance to steal my automobile on the XXXX day of XX/XX/2022, left destruction to my families private property while doing so. On CCMFinance.net, when I log into my account on their website it shows " You have no active accounts associated with your profile '', " There are no payments '', and " You have no scheduled payments ''. To close on this statement that I have Done in good faith, Without Prejudice, and All Rights Reserved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law under [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these late payment accounts on my credit report.

Furthermore, The FAIR CREDIT REPORTING ACT [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 624, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, THIS AGENCY IS IN VIOLATION OF 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-18 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXXXXXX 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 XXXXXXXX Your company is in clear violation of the law under [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these late payment accounts on my credit report.

Furthermore, The FAIR CREDIT REPORTING ACT [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 624, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, THIS AGENCY IS IN VIOLATION OF 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX Acct # 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

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 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank used an unethical practice to charge me a late fee and potentially end an interest-free promotion. My credit card with Synchrony was being auto-paid directly from my checking account. Last month, Synchrony did not deduct my payment and I did not notice it. This month I got a bill showing a missed payment and a late fee. I called them, and they said I had been unenrolled from autopay. I asked why, but the agent was never able to explain what happened. I demanded that they remove the late fee and any record of late payment from my account, which they did. If I had not caught this, it could have potentially wiped out my interest-free promotion and I would've been charged the full rate of 27 %. This is one of Synchronys many predatory and unethical practices. I will never use them again.

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 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION
State: NY

Complaint narrative:
my pmi fee on my mortgage should have been stopped but the mortgage company says no. I paid {$510.00} for there appraisal to look at the house .The value of the house they came up with is outrageous .They said the house is worth XXXX. I paid XXXX five years ago so they said my house decreased in five years. The city says the house is at {$350000.00} that is what i am paying taxes on .The same exact house as mine is in closing for {$380000.00}. When there compared other one bed room houses in the area they used a small development about a mile away with is a less desirable area called XXXX XXXX  The houses there are built right on top of each other and not as well built.

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 2022-07-18 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 
CONVERGENT OUTSOURCI ( XXXX ) ***** Balance {$0.00} Opened XXXX XXXX, 2019

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 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Original complaint XXXX I applied for a credit card with Chase on XX/XX/XXXX. Several times they have claimed to still be working on it. The last was XX/XX/XXXX when one again they claimed to be working on it. I want the application for the card cancelled. This is ridiculous!! I have had many home loans in the past all completed in weeks from the application to closing. I am also researching legal options as I believe there is something very inept going on here. 60+ days is more than enough time for a simple yes or no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I depsoited over 8700 in an HSBC account over 7 months ago and they have refused to turn over the funds until i served them with a lawsuit. I have asked for my costs for my attorney and my funds be returned to me they are only offering my deposited funds which they only did after i filed suit. They have hired a huge law firm XXXX which cost more than the money in question. I am seeking tohave my lawyer costs and court costs plus the deloisted money returned back to me. this is an awful bank and i am sure i am not the only one they did this to. They did nto even provide me with statements or any explanation written or otherwise. i called them in excess of 100 times. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the last two years I have noticed that funds are being withdrawn from my account and not by me. I have reached out to both banks about this and every time they tell me that there is nothing they can do. Changing my debit card has not worked, I replaced one so often with XXXX XXXX XXXX XXXX, that they removed my debit card service for 3 years. I had my mail stolen and it contained my drivers license and I requested surveillance be checked for all withdrawals in order to find the offender. I think a person goes into the bank with my ID and the teller does not check correctly for identity match. The tellers seem to know that my money is being stolen and transactions on my bank statement are transposed to reflect establishments that I didn't make the charges with. I need help with Wellsfargo Bank and XXXX XXXX XXXX XXXX. The amount of stolen funds is over 1k.

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 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Sent {$500.00} US for concert tickets and was scammed by the Individual by not receiving the items I paid for. There has to be some recourse that can be taken. What about the account the money was deposited into by Zelle???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I have called several times, they insist in sending me an XXXX to let me know how is my account. THE XXXX THAT THEY SENT WITH NO NAME OF THE BANK, NO BALANCE!! WHAT IS THIS? WHY GOODLEAP HIRE THIS COMPANY? 

GOODLEAP WASH THEIR HANDS BY SAYING THAT YOU ARE MOVING TO AN OUTSIDE VENDOR. I DID MY CONTRACT WITH LOANPAL, THEY SEND MY ACCOUNT TO GOODLEAP. 
GOODLEAP SHOULD BE ACCOUNTABLE ALSO Every time that I go to the website, they don't show the ACTUAL BALANCE OF THAT DAY LIKE ANY BANK OR CREDIT CARD WEBSITE. 
They are supposed to have an online website where it says your payments and your balance. 
They don't show the balance so you can not complain about the account. 
Even when you complain they send an XXXX done manually by someone!! 
And of course without the balance account! 
Horrible service! 
Horrible website, will not tell how many payments you made, your balance, and then they ask you to look on the monthly statements while THEY CHARGE BY DAY!! 
We are supposed to know how is our balance like any credit card, loan, bank website. 
Would it be possible to audit my account? To whom I need to reach out for an audit? 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX sold this assumed Debt to XXXX XXXX XXXX, which they then have since been reporting a collection to my consumer report. This was done with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. 


Original assumed Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX has violated my Consumer rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Violation of The GLBA ( Gramm-Leach-Bliley Act )

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 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Acct # 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

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 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ; # XXXX discover, 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

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 2022-07-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( A ) subject to section 624, any * ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; * 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) 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 modify that item of information, as appropriate, based on the results of the reinvestigation ; I just got back my results from TransUnion for an account on my credit report. XXXX XXXX XXXX # XXXX. Theyre stating that the information has been verified as accurate. Looking at a 3 bureau report side by side all three credit bureaus are reporting different information. PLEASE DELETE ACCOUNT YOURRE IN CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. EVERYTHING MUST 100 % ACCURATE. I have other accounts that display 100 % accuracy across all 3 bureaus. Why is this account reporting late payments and inaccurate information 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 1..LAST VERIFIED 2.DATE OF LAST ACTIVITY 3.DATE REPORTED 4.CLOSED DATE 5. ACCOUNT RATINGS 6. DISPUTE STATUS 7. LAST PAYMENT 8.REMOVING LATE PAYMENTS IN XX/XX/2022 AND ADDING THEM BACK IN XX/XX/2022 2022

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