vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
On Tuesday XX/XX/2022, I visited XXXX XXXX aka XXXX XXXX XXXX XXXX. I was inquiring about a new set of tires and rims. XXXX XXXX helped me by answering my questions about tires and rims. We went through pricing and she verbally provided options for different repayments for loans. While I was there she had me fill out a 1 page document of basic PII information. Name, DOB, SSN, address, bank info, etc. 
she provided me with an approval amount XXXX. I was then asked to provide a code/PIN that popped up on my phone via text message. I provided the PIN number it was not until today XX/XX/2022 that I realized she had logged into XXXX XXXX acting as me the consumer creating my profile, adding acct info., and accepting my terms and conditions. I was told on XX/XX/2022, to allow 24 hours to see my loan info. It was in fact not a loan when I logged in utilizing a PIN sent to my cell phone on XX/XX/2022 but in fact a lease where I would pay weekly an amount of XXXX. I have attempted to cancel all day with the business and also American First. They have both said NO even though I have no tires or rims on my vehicle. This business is defrauding their customers everyday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
In XX/XX/2022 I requested to have my home appraised in hope to remove PMI. I was informed that I would receive a call in 7-10 days to set up an appraisal. In XXXX I called back and was informed that it was taking longer than normal due to high request. I was also informed that I could rerequest an appraisal and not have to include the home improvements for removal of PMI ; so another request for was done and I was informed this would not delay the appraisal any longer. A few days later I received a call and my home was appraised in XXXX. I was informed by the appraiser that all documents were submitted and I should hear from my lender. A week later I called Mr.Cooper and informed that they have not received anything yet. Several calls made after and it was explained that first the investor ( XXXX XXXX XXXX reviews the appraisal and then sends it to Mr. Cooper and still they havent received anything. In XXXX I Was informed the process then would take up to 45 days from the time of the appraisal and still they had not received it. Then later in XXXX was told that it was received and that Mr.Cooper was reviewing however I should call back in about a week. Then I called back which was now XXXX to be told this time that they hadnt received anything about the appraisal and they would have the back up/ research department look into it. Then a few days later I receive a call from an appraiser requesting to come do another appraisal on my home. So this prompt me to call Mr.Cooper. Was then told that they didnt see anything regarding a request for another appraisal. I asked to speak with a supervisor and was told there was no one I could speak with and that they would schedule a call. I never received a call back from the supervisor when I was informed it would be. I called Mr.Cooper back and this time was told that a second appraisal was being requested because the first appraisal was refused. No one can provide clarification why and I cont. to pay PMI at their expense. Mr Cooper is delaying my right to remove PMI

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was recently a victim of identity theft and I think Chase has done a terrible job of providing any identity fraud services to help mitigate the financial loss to me or to chase. The identity thief tried to get a new debit card in my name with my information in an atattempt to gain access to the funds in my checking account. I was fortunate that I noticed an email from Chase buried in my gmail account. It was a miracle I saw and read this email. 

Any potential security breach should be brought to the attention to the acount owner by a phone call. Also, I am beyond angry that my acount has a fee charged for the issuance of a new debit card to the crook I have every intention of moving my busines from Chase. They should be ashamed of the poor customer service. The fee they charged me for the fraudulent debit card request is laughable. I am embarrassed for them. I will move my business to a financial instiuton that cares. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX CREDIT Account # XXXX XXXX - CARD SERVICES Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX bankruptcy dismissed reference # XXXX XXXX XXXX XXXX XXXX doc number XXXX XXXX XXXX Acoount # XXXX XXXX XXXX Account # XXXX XXXX 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 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX CREDIT Account # XXXX XXXX - CARD SERVICES Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX bankruptcy dismissed reference # XXXX XXXX XXXX XXXX XXXX doc number XXXX XXXX XXXX Acoount # XXXX XXXX XXXX Account # XXXX XXXX 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 2022-06-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has 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 an 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 monetary relief
Consumer complaint received 2022-06-09 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: FL

Complaint narrative:
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 

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. 

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

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 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, I had to cancel the international portion of my scheduled flight. On XX/XX/2022 i contacted Wells Fargo by telephone in order to request a refund of my unused points. I have attempted many times by telephone to reach out to Wells Fargo and my first call was in XXXX and now it is XXXX and I have not received the reimbursement. Every time I call, the supervisor terminates the call in progress when he or states that they need to review the file. Please Help! This is unfair! 

Wells Fargo Rewards MemberShip Number : 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 monetary relief
Consumer complaint received 2022-06-09 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: GA

Complaint narrative:
1. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit. 

2. I never applied for any type of credit or financing from XXXX XXXX XXXX nor did I give them permission to run my credit. 

3. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit. 

4. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit.

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 2022-06-09 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:
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 

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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

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 2022-06-09 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: FL

Complaint narrative:
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 

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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My complaint is that I am getting turned away for credit because of public records. When I click to see what the public record is it says there are no public records. There are accounts that are more than 7 years that are in collections and the collection companies still have them on my report I dispute it and another one takes over and its back on the report. Also I used XXXX XXXX XXXX and XXXX account Management to settle these debts. They took my money but I still have these debts still on my 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 2022-06-09 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: MI

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, All Accounts listed above have violated my rights according to law 15 USC 1681 section 602 ( A ) states I have the right to privacy.

15 USC 1681 section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-09 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: FL

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

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 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. 

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 2022-06-09 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: MI

Complaint narrative:
In Accordance with Fair Credit Reporting Act XXXX XXXX Account XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 ( A ) states I have the right to privacy 15 USC 1681 section 604 ( A ) section 2 states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: MD

Complaint narrative:
Someone stole my purse and ran up s XXXX dollar and more on phones at XXXX in XXXX XXXX  I filed a dispute and still the collections are still on my report and also there's an address for XXXX XXXX that's not mine

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 2022-06-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account with out my written consent.

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 2022-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: VA

Complaint narrative:
To Whom It May Concern, It has been made increasingly clear, that the intent of MidAmerica Mortgage is to inflict borrower harm amongst its consumers. As such please take this as my formal notice to file a CFPB complaint regarding the modification handling below. I intend to show clear evidence, Mid America caused irrefutable borrower harm, and ultimately failed to adhere to the guidance provided by FHA/HUD regarding XXXX the servicing of Modification during the Presidentially Declared Disaster. 
Modification Process Mid Americas Loss Mitigation & Bankruptcy Team negligence contributed to the denial of the modification via : Failing to properly communicate next steps with borrower during the Modification process Failed to apply the trial payments timely Provided inaccurate information regarding the modification status Misapplied payments Failed to properly submit documentation to Bankruptcy attorney during Modification process Failed to bring the loan current during the completion of the modification approved Assessed improper fees to borrower during disaster/XXXX XXXX o Inability to provide itemized breakdown of fees and arrears from borrower and attorney XXXX XXXX Modification Appeal Process Verbal Modification denial received on XX/XX/XXXX. Reason : Failed to make payments in month due. Please see mortgage statements showing payments being received XXXX XXXX XXXX Notice Online Bill Pay- confirming bill pay was set up XX/XX/XXXX XXXX XXXXXXXX XXXX Notice advising payments being submitted and yet not presented for deposit/cash XXXX XXXX XXXX Notices- confirming stop payment issued in conjunction with guidance from Mid America o Mid America misplaced funds , as such I was advised to stop payment and reissue, causing issues with XXXX payment. 
Please note : I resubmitted the documents XXXX XX/XX/XXXX. 
Followed up via email XX/XX/XXXX ( allowed XXXXday review ) o Agent was unable to assist as the loan number was a digit off in the subject line, despite all attached information containing the correct loans number. 
***Loan has now been sold again in the middle of the modification request submitted in its entirety XX/XX/XXXX to XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX Cell : XXXX

Company response to consumer: Closed with explanation