vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I tried to use the card 5 times, every one was declined and when I call they tell me that there is no reason for that to happen, the latest one was XX/XX/2022 at XXXX  for XXXX. And the topper is they processed my payment twice and have over XXXX dollars of my money I can not get to. 
Also I was locked out of my account, and when I called they could not figure out why. They can't seem to figure out much of anything, all I get is we are doing everything that we can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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 — Investigation took more than 30 days
Company: Reliable Credit Association, Inc.
State: OR

Complaint narrative:
my wife and i had a account with reliable credit and then filed bankruptcy. we did a reaffirmination aggreement with the court to keep the car but the judge i guess didnt sign off on it correctly. we kept the car and continued making payments of almost {$500.00} each month and were never late. the amount was proccessed by reliable yet was not getting reported to credit. i contacted them several times yet they refused to help. since then we traded that van in and reliable was sent a payoff for over XXXX dollars. they took payment and even sent us a refund check for {$9.00} for over payment. problem is it says on credit included in XXXX  i just want this to reflect a payoff rather than a written off in XXXX  on credit for the wife and i.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: MS

Complaint narrative:
Collection debt not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XXXX XXXX  AND SELECT PORTFOLIO CLOSED MY COMPLAINT- SENT ME ALETTER THEY ARE FORECLOSING ON A HOME -I WAS NOT IN DEFAULT- THEY REFUSED PAYMENT AND RECENTLY FOUND LOTS OF TITLE FLIPPINF AND MY PROPERTY WAS DESTROYED. XXXX XXXX IN LEIU OF FORECLOSURE OFFERE TO A NON, MORTGAGE - AND LIKE TO BE FREE FROM THE HARM AND THREATS- AS THEY HELPED EX-WIFE WITH A BANKRUPSY? AND NOW WANT TO DOUBLE DIP THIS TITLE INTREST, XXXX XXXX- NAMED XXXX TITLE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Open Dealer Exchange, LLC
State: VA

Complaint narrative:
On XX/XX/2021, I went to the dealership looking for a car. I found the car I like. My sales person told me that he was only going to run my credit through XXXX XXXX XXXX XXXX. I ended up with more than 10 hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: CT

Complaint narrative:
EXPERIAN is an elaborate mechanism that has assumed its role in reporting on behalf of I the Consumer without my written instruction to do so violating my federal right to privacy. Under 15 U.S. Code 1681 ( 4 ) there is a need to ensure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY. EXPERIAN is in violation of Federal law 15 U.S. Code 1681b ( a ) ( 2 ), I DID NOT give XXXX a written notice to report on my behalf. EXPERIAN is violation of the following Federal Laws. 15 USC 1681e ( a ) - U.S. Code 1681a ( 2 ) ( B ) - 15 USC 1681i - 15 U.S. Code 1681e ( b ) - 15 USC 1681 - 15 USC 1602 ( p ) - 15 USC 1681e ( b ) - Regulation V 12 CFR 1022.3 - 15 U.S.Code 1681a ( q ) ( 3 ). EXPERIAN is in violation under 15 U.S.Code 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, EBT card, can result up to a XXXX fine.

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 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 90 days and they have yet taken any action to correct the inaccuracies. They Violated The United States Code Law under permissible purpose. I never gave them any written consent to report anything on my consumer report no consent is identity theft.

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 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was a victim of an scam. I made two payments via XXXX, provided by my Bank ( Chase ). I called them as soon as I realized it, but they told me they could not help me because XXXX do not allow them to recover or stop payment. I lost {$1200.00} and Chase could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I took out this HIGH ( extremely high and unlawful ) loan@ 65.02 % (! ) APR in XXXX of XXXX. 
I am on XXXX XXXXXXXX and do not work anymore since XXXX of XXXX. 
I was receiving {$7600.00} per month up until XXXX of this year from 3 insurance companies. At which time one of them stopped paying me and my monthly benefits became less by {$3900.00} down to {$3600.00} per month. 
I have been contacting NetCredit since that time and asked them ( after explaining what happened ) to help me with lowering payments and interest rate till I resolve my situation. 
NetCredit refused to cooperate with me, they refused to make payments and interest rate lower. They kept telling me that my account is NOT delinquent enough for them to consider helping me. I kept calling and calling and calling- they refused to help. Today they reported my account late to the credit bureau 's. My score dropped by more than 33 points as a result. I called them today they offered to have payments reduced in half for next 6 months but they also stated that they will be reporting late to all the bureaus through out this time even when I make 1/2 payments that they offered to me.

I am asking for CFPB to interfere and stop this madness!!! They shall not be allowed to charge such a high rate APR and not to cooperate with customers in the hardship. They are also shall not be allowed to keep stating I am late if I will be making monthly payments offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
In accordance with the Fair Reporting Act XXXX  accounts : XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX. And all listed inquir

ies 15 USC 1681 Section 602A- I have the right to privacy. 15 USC 1681 Section 604A ( section2 ) - Consumer reporting agencies can not report any accounts with out my written instruction from a 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 non-monetary relief
Consumer complaint received 2022-05-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
my wife and i had a account with reliable credit and then filed bankruptcy. we did a reaffirmination aggreement with the court to keep the car but the judge i guess didnt sign off on it correctly. we kept the car and continued making payments of almost {$500.00} each month and were never late. the amount was proccessed by reliable yet was not getting reported to credit. i contacted them several times yet they refused to help. since then we traded that XXXX in and reliable was sent a payoff for over XXXX dollars. they took payment and even sent us a refund check for {$9.00} for over payment. problem is it says on credit included in XXXX  i just want this to reflect a payoff rather than a written off in XXXX on credit for the wife and i.

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 2022-05-19 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: DE

Complaint narrative:
So I sent a letter off on XX/XX/2022, to remove personal information that I did not want on my credit report. According to the fair credit reporting act 15USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2022-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc.
State: WI

Complaint narrative:
After I closed on my home I noticed on my closing documents that my income was much more than it actually was. I had told the mortgage company that I got a {$500.00} bonus every XXXX, once a year. They added it to my income but instead of only at XXXX they added it as a monthly bonus. They also added {$100.00} as extra monthly income. I have told them many times about this and they wont address it. That's {$7200.00} a year they added to my income. I specifically remember telling them it was a XXXX bonus. I feel they did it on purpose. They added it to my income so they should pay it. For the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I have an auto loan through Santander Consumer XXXX XXXX. This COVID Pandemic is really taking and effect on me. I am continually out of work. As you know when you are exposed you have no choice then to quarantine. I am a XXXX XXXX, and the job market was a mess before covid. I told them I am finally back to work now with a permanent company that will keep me on for a while. I asked them to give me a deferment so I can be on an even playing field. They said I was eligible for a loan modification and then denied me for no reason. Said I had too many. I cant control how bad covid is in XXXX XXXX  XXXX. I am willing to make sure that I am on time from now on. Now that I am back to work. I need the loan modified to become current so that I can be in the current status and not have my car repo 'd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I have been trying to contact them to offer to settle the debt for a lower offer but i have not gotten a 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 2022-05-19 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business ( online martial arts tutorial ) since XX/XX/2022. My PayPal account : XXXX has stucked funds in it worth of {$110.00} US dollars that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds.

Thank you and God bless.

For identity verification, I attached my valid ID. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: GA

Complaint narrative:
This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 90 days and they have yet taken any action to correct the inaccuracies. They Violated The United States Code Law under permissible purpose. I never gave them any written consent to report anything on my consumer report no consent is identity theft.

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 2022-05-19 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 — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  XXXX ( XXXX  XXXX XXXX & Early Warning Services , 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.

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 

On XXXX XXXX by Certified Mail I disputed inaccurate and unverified information on my Early Warning Services consumer report from XXXX XXXX, XXXX XXXX and XXXX XXXX. I have attached those correspondences below. Early Warning Services responded by placing a block on the XXXX  file due to Identity theft in which I included a police report. I then received a letter from XXXX attempting to collect on this alleged debt. Early Warning Services sent a response regarding my dispute with XXXX XXXX  stating it was verified as accurate but they do not have access to account documentation therefore they were unable to provide any copies of documentation with my signature or how this information was verified to be able to report it on my consumer file. I requested information about who they spoke with at Regions bank to verify the debt and they were unable to provide such information. 
According to the F.C.R.A Sections 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) it states that Early Warning signs has to provide copies of signed documentation and Early Warning stated that they don't even have access. According to Section 611 ( a ) ( 1 ) ( A ) Method of Verification wasn't provided except for the fact that it was accurate and complete as of the date it was furnished to their database. Early Warning didn't properly investigate this information so why are they reporting this information on my file. Lastly, Early Warning didn't respond to my dispute regarding XXXX XXXX Bank at all. This letter was included with the other two dispute letter sent by Certified Mail as Early Warning did say they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of 2022, I worked with my mortgage provider ( Suntrust now Truist ) to exit forbearance and begin a loan modification plan where my monthly payment would be reduced and the length of the loan would be extended. This modification plan required me to make 3 months of trial payments which I successfully completed on XX/XX/2022. After not hearing back from Truist, I called them on XX/XX/2022 to find the current status and they said that because I did not also make my normal monthly mortgage payment in addition to the trial payments, I now no longer qualify for the loan modification and need to restart the process of getting a loan deferral. Truist has been extremely difficult to work with during this whole process with a lack of communication and clarity on what I needed to do in order to bring my loan back to current. Every time I talk to their customer service team, I'm told different kinds of information regarding what I need to do and every time it requires me to spend hours of my time on the phone. Truist also will not allow me to make payment online and instead forces me to call them each time I want to make a monthly payment. Truist has been deceptive and undermined every step of this whole process

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 2022-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2021, I went to the dealership looking for a car. I found the car I like. My sales person told me that he was only going to run my credit through XXXX XXXX XXXX XXXX. I ended up with more than 10 hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021, I went to the dealership looking for a car. I found the car I like. My sales person told me that he was only going to run my credit through XXXX XXXX XXXX XXXX. I ended up with more than 10 hard inquiries on my credit 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 2022-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, h

as violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Wave Financial USA Inc.
State: MI

Complaint narrative:
I contacted wave XXXX on XX/XX/2021 XX/XX/2021 XX/XX/2021 & XX/XX/2021 requested refund for {$2500.00} payment that was received on XX/XX/2021. they told me on XX/XX/2021 the payment would be refunded in 65 days and still no refund account is locked so i can not refund or move money out the account at all. there is not a phone number only emails being exchanged. please help me get my funds out of this company account i do not wish to ever do business with them ever again. wave XXXX  address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EMAILS XXXX, XXXX, XXXX. THANK YOU FOR YOUR HELP. ACCOUNT SETUP IN MY BUSINESS NAME XXXX XXXX XXXX XXXX AS RESPONSIBLE PARTY.

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