vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have XXXX fraudulent activities on my credit report. I several hard inquires on my credit report that does not belong to me. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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:
From XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct Number XXXX Hurricane Ian hit Florida at the end of XXXX, I was notified by my employer that my hours will be reduced as they were affected by this Hurricane. I called your bank in the first week of XXXX and spoke to whoever I spoke to about a payment deferment ( or whatever you call it ) I was assured by the rep that I will get a 2-month deferment which was ok by me and the next payment will be due in XXXX. I assumed everything was ok and was prepared to make payments in XXXX On the first week of XXXX get an alert from XXXX XXXX That your bank informed the credit bureaus That i am late in my mortgage payment and my credit score went from XXXX to XXXX. I was very upset. I called immediately and got XXXX your manager in loss mitigation and she said she will take care of it. It is now end of XXXX and I have called several times for XXXX and I can not get hold of her. I paid both XXXX and XXXX immediately in XXXX ( from funds I had to borrow ) to bring my account current which it is Please help me in reversing this late notice which is a fault of yours not mine. 

Thank you

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 2022-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Good morning, I have recently submitted, per US UCC Code 3-104, a notarized negotiable Instrument to Navy Federal Credit Union , to settle the Auto Loan. Sent in a certified letter ( attached ).

Also, per the Fair Debt Collection Practices Act, I requested the company to send me the Generally Accepted Accounting Principles ( GAAP ) Ledger ( the account Navy Federal Credit Union used in order to give me the Auto Loan ) according to the Fair Debt Collection Practices Act. Instead, I was provided a Payment History which is not in accordance with the Fair Debt Collection Practices Act per my request, to which they are in violation. Section 809.

Navy Federal Credit Union is also in possession of my Original Promissory Note. They did not return the Original Promissory Note, nor with a legitimate written explanation as to why their organization is exempt from United States legislation, UNIFORM COMMERCIAL CODE or why the Legal Instrument is unacceptable. To which I assume they've monetized it without my permission or knowledge due to its non-return. Per my original letter stating they are to return the original document or it would be considered theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX has violated and has discrepancy 's that need to be removed immediately from my credit report. 

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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX has violated and has discrepancy 's that need to be removed immediately from my credit report. 

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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Multiple TILA violations ; failure to provide full material disclosure as required by Truth In Lending ; denial & refusal for Consumer Law Right to Rescind - 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) XXXX ( 3 ) ( i ) There was a Violation of Contract Law resulting in Contract fraud due to lack of providing full material disclosure as required by the TILA ( Consumer Credit Protection Act ) therefore there is a Billing Error that needs Resolution ( 12 CFR XXXX ) PURSUANT TO 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. Originally requested on XXXX has still not been provided. 

As a result of your failure to provide me with the full accounting details, this agreement is considered fraud in the factum. 15 U.S. Code 1692e - False or misleading representations XXXX XXXX charge. ( b ) Examples of finance charges. The finance charge includes the following types of charges ... ( XXXX ) Interest, time price differential, and any amount payable under an add-on or discount system of additional charges. You violated Regulation Z by not including the sum of all charges in the Finance Charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
Acct XXXX XXXX Hurricane Ian hit Florida at the end of XXXX, I was notified by my employer that my hours will be reduced as they were affected by this Hurricane. I called your bank in the first week of XXXX and spoke to whoever I spoke to about a payment deferment ( or whatever you call it ) I was assured by the rep that I will get a XXXX deferment which was ok by me and the next payment will be due in XXXX. I assumed everything was ok and was prepared to make payments in XXXX On the first week of XXXX get an alert from XXXX XXXX That your bank informed the credit bureaus That i am late in my mortgage payment and my credit score went from XXXX to XXXX. I was very upset. I called immediately and got XXXX your manager in loss mitigation and she said she will take care of it. It is now end of XXXX and I have called several times for XXXX and I can not get hold of her. I paid both XXXX and XXXX immediately in XXXX ( from funds I had to borrow ) to bring my account current which it is Please help me in reversing this late notice which is a fault of yours not mine. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I received a statement in the mail on yesterday XXXX XXXX regarding an account that was opened on XX/XX/XXXX that I had no knowledge of. After posting this incident on XXXX, it appears that multiple people have received the same notification. Accounts are being open in individuals names that they are not in aware of. Im not sure if this is the bank, Bank of America doing this or if theres an outside entity. However, I am requesting that does matter be looked into

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My address on XXXX transunion and XXXX are wrong the also my employment info I never payed attention until now but my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX my employment is XXXX XXXX XXXX XXXX XXXX mo 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 2022-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
I went to a CVS to transfer funds through Moneygram International on XXXX XXXX. 
Moneygram held the transaction and requested information from receiver Moneygram asked for proof of residence, however the receiver was simply visiting from XXXX and could not provide the information. 
The receiver did provide her Passport as identification The receiver has since returned to XXXX. 
I have made several requests for a refund but Moneygran still insists on the residential information from the receiver which is impossible On Friday XX/XX/XXXX I called Moneygram to resolve this mater and I was told that I would be contacted on Monday XX/XX/XXXX, however they did not contact me or resolve this matter. 
On XXXX XXXX I made a followup call and was told exactly the same thing, The receiver needs to provide her information Moneygram has all my information to contact me and return my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My bank didn't activity the 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 2022-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I had resubmitted my income based repayment through the XXXX XXXX XXXX XXXX as I do for both of my loans and for my XXXX. XXXX of my loans through XXXX went through fine and my XXXX XXXX was fine, but Nelnet was unable to process the payment plan for some reason. I contacted the company and was told that they had issues receiving the documents. I offered to send over my full tax documents which I did on XX/XX/2022. I was told that the documents didn't have decimal points and clarified with my XXXX XXXX that they DON'T have decimal points on the documents. I resubmitted my income based repayment plan on XX/XX/XXXX and received a confirmation that it was received. I was then charged another {$300.00} in XXXX, XXXX, and XXXX while I tried to get ahold of the company and resolve the issue. I finally resubmitted another income based repayment in XXXX and again didn't get put on the plan through Nelnet. My last attempt was at the end of XXXX. They just hit me again for another {$300.00} payment as of XX/XX/XXXX. I contacted the company again and they were able to take me off the automatic payments, but weren't able to provide me any information about why my lengthy attempts to get put on the plan were denied. Since XXXX they have charged me {$1200.00} instead of the approximately {$200.00} that should have been charged my account. I have yet to speak to a manager because I have been told that XXXX is unavailable. I would like to have my money refunded and re-charged at the correct rate as well the ability to transfer my loan to another company without a penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
When Marcus first took over GM we did not know they were on autopay so we sent {$100.00} in on our first payment not knowing they were taking out the whole {$510.00} that was on the account when we found out we stopped payment on it and called them and told the well they put the {$510.00} back on my account. I had no problem with that then a week later they charged me 2 more times for the same {$510.00} making my bill {$1500.00} you can add up all my purchases and see what the amount charged to the card is we do not use it much. They did give me credit for one of the extra charges on there but not the other. I have talked to 2 supervisors and 2 Managers along with their service reps about this issue it has been going on for a couple of months now. And they all see the same thing that they have overcharged me and put in a dispute showing exactly where the overcharged me. But they keep coming back with the billing is correct and denying it. We also have a problem with there bill pay we sent a payment from our bank for $ XXXX and said it was delivered on the XXXX XXXX my payment not due until the XXXX of XXXX then i got a letter saying they received no payment and hit me with a late fee. My monthly payment is {$29.00} a month and the charged me {$91.00} Which I had to pay over the Phone this seems to be an ongoing issue with them and they are hitting people up to get late fees. I talked to one of the service reps and said she could not wave the fee even thogh my bank showed it delivered it 5 days before my bill was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: RMS-Recovery Management Services, Inc.
State: FL

Complaint narrative:
i requested the contract between RMS And i but yet i received my tuition bill which should be private due to it having my personal information on it. it also came back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. I do not have any business contract with RMS nor have I given RMS and XXXX university the permission to share such PRIVATE information nor did I receive any notice about there being a possibility of my PRIVATE information to be given out to strangers. they also mentioned they sent me mail to an address that i do not reside in since 2015 and a missouri address in which i don't reside in, which shows that i've never had any contact with this RMS company before because if i did they would have an updated current address. i demand them not to contact me on matters not contracted by RMS anymore and remove this account from my 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 explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My name is XXXX XXXX have a personal & XXXX account with Chase Bank. Yesterday morning after multiple failed attempts to pay bills. I double checked my account via the Chase app. To my dismay I see that my account has a negative balance of {$49000.00}. I contacted Chase to find out what was going on. To my dismay my account was frozen. It appears that Chase has allowed a Garnishment on my account. I stopped by a Chase branch to pick up a copy of the order. To my surprise the order is not mine. The XXXX order has listed a social security number which is not mine and a name that is not mine. Also this order has business listed that I have never been associated with. There is a section that has a name similar to mine but not mine. The Attorney who ordered the Garnishment listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX not associated with me or my business. With that being said my business is not a XXXX but an XXXX. It's is its own entity. Which is protected from anything to do with this other person. It appears the the garnisher thought by listing a XXXX that it would make it easier to gain access to my accounts. Again Chase should have never allowed this account is its own entity. None of the personal identifiers match including social security number names or addresses. This should have been a red flag to Chase bank. This needs to be rectified immediately. Also this court order was issued by a court outside of my home state which is XXXX. A New York state XXXX XXXX should not be enforceable. My other account business is for an LLC based out of the state of Wyoming. Again a XXXX XXXX XXXXXXXX order shouldn't have been enforceable. Also myself nor my business has never done business with the company who sent the Garnishment order over to Chase. That companies name is XXXX XXXX. However Chase is at fault for not questioning the information they were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My home address and employment is wrong my home address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My home address and employment is wrong my home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-11-30 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: FL

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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