vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
One main Financial has denied me a loan base on my XXXX situation. A previous loan was approved wi the same XXXX income and documentation. A new application denial base on underwriting stated that they are unable to confirm the income. Same income was use for the account that is open. I try to summit all the documents that stated the dates of my continue XXXX status, bank statement that proves the deposit of the income and doctors notes. This is a XXXX discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
I open an account online and they froze my account then they unlocked it then I deposited more money and then I ordered a debit card and then I tried to use the debit card and it was declined now they want me to identify myself

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax took off the information from the previous report with the consumer finance protection and than they put the information back on their. 

XXXX still has my name spell wrong. 

Both I would like to press statutory charges on. Each XXXX Who is XXXX XXXX XXXX I sent in a copy of my i.d . and 2 different froms of proof of address /.

Sue all 3 fro still having incorrect information =XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I.C.Systen, Inc has violated my privacy rights with aggravated identity theft by reporting NEGATIVE information about me to third-party consumer reporting agencies without my consent. This is considered harassment and per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. 

Each violation applied : {$8000.00} due for each violation. 

VIOLATIONS : - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1693I I am seeking {$8000.00} in damages due to the MULTIPLE violations that you have acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, I.C. System, Inc has violated me with aggravated identity theft. 
I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. I.C. System, Inc must disclose my right to opt out and has committed fraud, which has no statute of limitations

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 2022-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I became aware of the debt by reviewing my 3-credit score, I had insurance at that time, I was not informed of any extra charges at the time of my services ware rendered, I contacted all XXXX they removed the information as well as XXXX. XXXX is refusing to remove the defamatory information, the original date of the services according to me was over 7 years ago and by default should be removed from the report. I disputed this information with XXXX XXXX or 4 times due to the fact the medical office didn't inform me that they war going to bill me for the services were rendered. According to my understanding of the law, a patient must be informed of any out-of-pocket expense at that time of service. 
I requested a copy of my original invoice or bill from the original billing, I was never provided with that information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
on XX/XX/26, i cancelled auto pay with US bank to govern my own payment schedule. 

on XXXX, i realized that {$280.00} was " transferred '' out of my account- this was not authorized or approved. 

on XXXX, at XXXX XXXX  PT, i called card services. no info was shared with me on how this happened.

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 2022-08-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a Chase Auto Loan account for a leasing vehicle. XXXX XXXX XXXX. The lease started on XXXX XXXX, XXXX. 
The payments for this auto account/ease are split in XXXX : XXXX payment comes directly from my Chase account, and the other comes from XXXX XXXX XXXXXXXX via checks. Both payments are set to be sent out before the due date on the XXXX of every month. 

On XX/XX/XXXX I received an email from Chase Auto Loan that my payment was 11 days late. ( attached ). 
On the same day, I checked the account and saw the " Your payment 's past due '' message and also a late fee charge of {$7.00}. 
I contacted them via phone and I asked in regards to the issue. 
I was informed that the company had some delays but that the account would be updated shortly and the late fees removed. 
I was also advised to send any proof that the amount of {$150.00} from XXXX was sent on time. I send a screenshot of the account showing payment sent on XX/XX/XXXX. I was advised to wait a few days to see the updates on my account. 

Since then I have been contacting Chase auto loan almost every week, sometimes twice a week because the account never updates. I was then asked to send a copy of the check sent by XXXX, which I did, showing that the check was sent on XX/XX/XXXX, and indorsed and stamped by Chase Auto on XX/XX/XXXX. 
Again I was told numerous times that after sending the check copy the account would be updated in a few days and the late fees removed. That never happened. 
On XX/XX/XXXX I had to call again because the new payment for XXXX was due and late charges fees were not removed yet. The Customer Service removed the late fees while I was on the phone and again confirmed that the missing/delayed previous payment from XXXX would be updated shortly. 
On XX/XX/XXXX I went to my local branch to ask for support and they assisted me by calling again to the same department that confirmed that the check from XXXX sent on XX/XX/XXXX was received payment recorded and balanced updated, and they could see all payments, yet my account still showed a total amount past due of {$310.00}. 

Meanwhile, I started to receive letters from Chase Auto that indicates that I am falling behind with payments. 

As of today XX/XX/XXXX, my account shows a new message for another late payment of {$150.00} and soon new late fees will apply to my account. Again this payment was also sent from XXXX on time on XX/XX/XXXX ( screenshot attached ). 
The only updates on the account are the payments coming directly from my personal Chase account of {$150.00}, but the payment from XXXX appears missing even though they are endorsed and recorded. 

Chase Auto Loan Supervisor assigned to the case : 1 ) XXXX XXXX XXXX ( that promised to call back and never did ) 2 ) Superviros agent nummber XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is constantly trying to show they are working in good faith as it relates to our case. XXXX  XXXX continues to show up. RIDICULOUS! 

I am uploading the last communication received which was XX/XX/XXXX. My spouse returned the call from a W/F Representative named XXXX on today XX/XX/XXXX. Her VM is full. 

In the attached documents you will find a schedule of payments W/F said we made. We NEVER had an initial Loan with XXXX. This was a part of a XXXX XXXX  coordinated by XXXX XXXX closing attorney who staged a fraudulent closing. 

It appears 2 loans were taken out in our name using our info and signature pasted. It was confirmed we did not receive a initial loan in XXXX, Again, how did Wells Fargo pop up. We financed furniture through them ONLY. We know our information was used to complete applications for a Home Mortgage. I have uploaded the information. 

In addition, we received a scheduled of payments we SUPPOSELY MADE TO W/F. We never the payments in the referenced attachment. 

This information was created by the submitted Fraudulent 1098 's we submitted to my Attorney XXXX XXXX XXXX who has sold us out OR MY WIFE 'S PREVIOUS XXXX TRUSTEE XXXX XXXX WHO STOLED ALL OF OUR ASSETS..HE DID NOT INVESTIGATE THE FRAUD, It appeared he sent the 1098 's to W/F and they created the Fraud Ledger. WE NEVER HAD A MORTGAGE WITH WELLS FARGO. WE NEVER HAD A MORTGAGE WITH ANY BANK. OUR MONEY., ID AND MORE WERE STOLEN! 

We know there are four additional persons of interest, We will not list the names for now.

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 2022-08-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-08-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: CarMax, Inc.
State: AZ

Complaint narrative:
Purchased a car from them and set the car on Auto Pay when I purchased it. The lender took payments with no issues for 5 months. Then their system had an issue and on XX/XX/2021 their Auto Payment system did not work. The creditor reported me 30 days late which was an error on their part. I called them and I addressed this issue but they have yet to correct the reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-03 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
I have contacted PennyMac at XXXX am PT on XX/XX/XXXX and spoke with XXXX ( she refused to provide her last name or employee # ) inquiring about the full information of escrow account from XXXX. 

During the conversation, I realized that there was a discrepancy in the escrow payment information, I requested her to provide the most updated escrow information and mail to me. 

She said that I have no right to ask that service. She suggested me to go on their website and retrieve it from it. 

I had already checked before calling PennyMac - Their website doesn't provide the full history of escrow account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
Good Afternoon, My name is XXXX XXXX, I got a {$40.00} money order at the XXXX and XXXX XXXXn XXXX MA XXXX XXXX XXXX XXXX on XX/XX/2022 to pay a parking ticket. I went to XXXX XXXX XXXX and gave them the money order with parking ticket. a week goes by and the money order and ticket were mailed back to me because they said i paid to much. I called XXXX XXXX and they said I can now make payment online so that's what I did. So I went back to Stop and shop to get a refund for my money order because I didn't use it and they said they cant refund it and to go to my bank. I went to my bank and they said they cant cash it either it has to be cashed where you got it. So I do not know what to do and i really dont want to lose {$40.00}. So can you help me get a refund on this money order? Money order # XXXX

Company response to consumer: Closed with explanation