vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2022-01-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The company in this matter ( EXPERIAN ) hasnt solved any issues in their response. In fact, their response was unethical. As per my right according to FCRA Act Section 611, i asked for method of verification used in coming to the conclusion that whats being reported on my credit file is indeed accurate. Furthermore, under the FACTA Act Sec 312 ( b ) and ( c ) I also requested any and all documents used in determining validity on this account. Not only did Experian fail to adhere to my rights by law, they tried to deceive me by stating they sent me a result summary on this matter XX/XX/XXXX, of 2021. It seems as if Experian doesnt agree with common law practices and takes pride in violating human rights. I am requesting as per the FACTA ACT SEC 312 ( b ) and ( c ) and as per my human rights too please send me all documents used in determining the validity of this account. This account is not valid, and if you cant adhere to my request I am requesting it be deleted 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
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2022 I, XXXX XXXX a federally protected consumer was violated by NAVY FEDERAL CREDIT UNION. On XX/XX/2022 I applied for an {$82000.00} auto loan but instead of being approved I was given the choice of a counteroffer of my initial request in the amount of {$60000.00} or I would have to add another navy federal member to my loan application to get approved for the {$82000.00} because of my income ; I denied the offer and explained to the loan manager that taking adverse action with my credit extension application was a violation of The Equal Credit Opportunity Act [ 15 USC 1691 ( c ) ] because I am not in any credit assistance programs authorized by law or administered by a nonprofit organization nor am I an economically disadvantaged person. No where in the Equal Credit Opportunity act does it states that a consumer can be denied for income. The loan manager was not familiar with The Equal Credit Opportunity Act so he did not know what I was referring to when I stated these laws. I sent out a Violation of The Equal Credit Opportunity Act letter to Navy Federal Credit Union on XX/XX/2022 awaiting response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX DATE : XX/XX/XXXX XXXX XXXX {$650.00} ORIGINAL CREDITOR : XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  {$650.00} ORIGINAL CREDITOR : XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2021, I reserved and canceled a hotel room at XXXX XXXX XXXX XXXX by XXXX in XXXX XXXX XXXX with XXXX Because of the cancellation, XXXX refunded me {$100.00}. I contacted XXXX and they told me that they processed the refund on XX/XX/2021 back to my Chase checking account. 

I contacted Chase in XXXX because I never received the refund. They told me that they never got the money. I have been in contact with XXXX which sent me an email stating that they processed the money. At the same time, I contacted Chase and they keep telling me that they never received anything. 

I am in the middle of these two companies stating that XXXX sent the money and Chase stating that they never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

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 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Do not know where this information is coming from I have no debts with Florida for no traffic violations. Sorry this is a scam to get money. 

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 explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MT

Complaint narrative:
Since XX/XX/XXXX I have been requesting a review of our LVR to cancel our PMI requirement. To date we have received nothing but form letters with a box checked stating we have not met the required LVR. On XX/XX/XXXX we submitted another request with supporting documentation, on document from Freedom Mortgage showing their estimate of the value of our home along with a market comparison supporting that estimate from Freedom Mortgage. The response we received to our message on XX/XX/XXXX stated that additional research was required. On the same day Freedom Mortgage submitted the same form with the same box checked regarding not meeting XXXX. It is my understanding that mortgage lenders are required to automatically cancel PMI once XXXX reaches 78 %. We believe we have exceeded that 78 % and Freedom Mortgage has delayed ANY evaluation now for near 60 days. Looking for help from your agency to help us with this request to cancel PMI. In closing, we did NOT select Freedom Mortgage as our lender, Freedom Mortgage is our THIRD lender in LESS than a year to have purchased our 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 explanation
Consumer complaint received 2022-01-19 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
State: TX

Complaint narrative:
Last year my Pay Pal account stopped working. We had received payment from a customer for additional shipping but Pay Pal would not allow us to transfer that payment to our bank account. Instead Pay Pal permanently limited our account. I have tried several times to find out why our account had been permanently limited, but when I call Pay Pal they will not tell me why they closed our account. We have roughly {$84.00} in our pay pal account and we are not able to have that money sent to our bank account either. Every customer service person I speak to is in a foreign country. I still do not know what has happened for our account to be permanently limited. Pay pal seems to keep our money and not give us any answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I recently refinanced my vehicle loan with Ally Auto ( Account XXXX XXXX ) to another financial institution to lower my interest rate. As part of the refinance, I cancelled my service warranty with XXXX XXXX. A prorated refund of the service warranty in the amount of {$880.00} was remitted to Ally Auto on XX/XX/XXXX. Ally applied this to future installments. Then the loan was paid in full on XX/XX/XXXX. 

On XX/XX/XXXX I contacted Ally Auto using their in app messaging feature, to receive an estimated time frame to receive my overpayment. Ally Auto wrote me back on XX/XX/XXXX, stating that it was taking them more than 40 days from the paid in full date to begin processing overpayment refunds, and then an additional 7 to 10 days to mail the check to the address on file. They did not apologize, nor did they offer an alternative way to receive a refund given their delay. 

I still have GAP insurance with XXXX XXXXXXXX that I want to cancel. XXXX XXXX informed me that they would send any refunded amounts to Ally Auto, even though the loan is paid off and they are no longer the lienholder, and I apprised them of Ally 's delays in processing overpayments. This process will mean an additional delays of overpayment refund amounts. I know that any undisputed mortgage overpayments have to be remitted to the borrower within a two week time frame. I don't see how a vehicle is different. 

I understand that the pandemic has put many organizations under stress, however financial services is not directly impacted by supply chain shortages or labor shortages like other industries. As soon as these bottlenecks began to occur, Ally Auto should have adjusted their staff or their processes to compensate. I'm growing tired of the pandemic being used as an excuse to justify terrible service and disorganized management. This has been our shared reality for nearly two years, it's time to adapt.

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 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TN

Complaint narrative:
CBSA responded to my last complaint with lease agreement with XXXX XXXX but failed to verify that I owed any debt. This lease is not proof that I owe a debt. The organization also failed to to produce a contract that expressly authorizes them to collect on the alleged debt which is consider unfair practices. I have also challenged CBSA to provide proof of any services or compensation that they rendered me under the penalty of perjury. Failure to do so is false representation. CBSA should be aware that itis unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Lastly, I demand CBSA to cease and desist all communications including all consumer reports immediately. All of these are violations of the FDCPA and failure to follow these demand will lead to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
The story started back in XX/XX/XXXX. Someone had set up a XXXX  credit card account and had my name and Social Security number ( I suspect ). They used my company address, phone number, and my company email address. They used an email address that is not mine : XXXX. They used a phone number ( XXXX ) that, when XXXX, is to a XXXX XXXX XXXX I am an XXXX I do not run an XXXX XXXX And XXXX XXXX  called me and said this is whats going on and I said that it was not me. I filled out a form for dispute resolution department at XXXXXXXX XXXX. I marked " I am requesting that my response be attempted for this dispute I understand that the issuing bank does not accept my response that I will be charged the XXXX pre-arbitration fees imposed up to $ XXXX '' See pdf file attached. And that was the last I heard from them. They accepted that and said to file a police report. We tried to file a police report. But the XXXX XXXX County police department would not accept a complaint because there was no harm done to me, there is nobody to chase, and it was not in XXXX XXXX XXXX. Now XX/XX/XXXX XXXX being contacted by a collection agency for {$6200.00}. I was told by XXXX XXXX to file a fraud alert with my with three credit monitoring companies. I have done that. 
The XXXX  reference number is XXXX. The XXXX number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business Revenue Systems, Inc.
State: WY

Complaint narrative:
I am an XXXX XXXX XXXX college student. I found out this minor bill today when my mom opened my mail with my permission. The original bill is under {$50.00} and I can pay that had I known. Now i'm being sent to collections for double. I want to pay the {$40.00} and move on with my life and career in college. Please call my mother as I have given her the money at XXXX to pay. ( XXXX ) XXXX ask for XXXX XXXX. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I am writing to bring to your attention the continuing refusal of FedLoan Servicing XXXX XXXX  ) to certify my Public Service Loan Forgiveness ( PSLF ). I've written to you about this matter in XXXX, XXXX, and XXXX. FedLoan continues to fail to resolve the situation, though the problem they articulate changes. Even with the recently announced changes in the PSLF program, XXXX has demonstrated a pattern of systematically denying PSLF relief, exhibiting frequent careless errors, lack of communication, lack of transparency, and poor service. 

Despite 17 years working in public service amounting to at least XXXX qualifying payments, FedLoan has to date credited me with only XXXX payments. I am burdened with over {$35000.00} in student loans, most of which I have carried since I graduated as an undergraduate in XXXX. This large debt, combined with my choice to make a relatively low income in public education, has prevented me from getting housing loans due to my high debt-to-income ratio. 

In the last round with FedLoan, I did a full accounting, re-submitting employment certification for at least XXXX qualifying periods, waiting for two months for an answer from FedLoan. They responded with 7 letters, detailing non-existent errors in the certification forms ( allegedly missing XXXX and answers that are clearly provided on employer certification ), neglecting important details ( overlapping employment ), denying me once again PSLF relief. I resubmitted my PSLF Application and Employee Certification. When I tried to call FedLoan 's customer service, I waited more than XXXX hrs before my call was suddenly dropped. 

Please look into my case once again and see if we can help not only my case, but the hundreds of thousands of borrowers that FedLoan is withholding their rightful Public Service Loan Forgiveness. 

Thank you for your time, attention, and advocacy. I have attached a few relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hey my name is XXXX XXXX XXXX bank with capital one my account number is XXXX I filled a claim on XX/XX/2022 because capital one was holding my funds in my bank account and didnt want to let me withdraw any so on XX/XX/2022 I check my bank account and all my funds was gone so I called the bank to see where the funds where transferred to and they said they sent the funds back to my lender. So I called my lender and my lender said they havent received my funds and they said I need to get a tracking number from my bank. So I called capital one to get the tracking number and they told me they dont have access to that. So I told the lender that and they said the bank should have that information. So I was wondering if you guys could help me track my funds.

Company response to consumer: Closed with explanation