vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN

Complaint narrative:
I locked a rate with Silverton mortgage on XX/XX/22 for 180 days while building a new home. I had reached out to the XXXX who, informed me, that he had cancelled my loan because I had evidently told him I was going with a different lender. This is not true. I never once told them after XX/XX/22 that I was going with a different lender, in fact, I had no contact with the XXXX from Silverton until XX/XX/22. 

Not only did he cancel my loan without my request, consent, or any other reason he lied to my face and told me I called him in XXXX to alert him. This, too, is false. I parsed phone records from XXXX from my provider and found no phone call to or from the XXXX at Silverton. I parsed emails to him, the last one I sent was XX/XX/22 when I signed the 180 day rate lock disclosures. 

I had finally contacted his manager and he had attempted to fix it, stating he has never had anything like this happen in the 3 years he has managed the branch. This entire process has been stressful enough dealing with renting, landlord being pushy, construction delays, flaky timelines from the builder, and the cherry on top is a completely inept XXXX. 

I understand we all make mistakes, but not only is the XXXX not owning the issue he is lying to attempt to get around it. There is no paper trail regarding me allegedly wishing to cancel the loan, and the XXXX is attempting to fabricate one to avoid consequences. 

Even if this is resolved in my favor this complaint should be taken seriously by Silverton Mortgage. Not only could this XXXX cost me tens of thousands of dollars, the stress from this is completely unnecessary and should have been avoided entirely.

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Global Lending Services LLC
State: UT

Complaint narrative:
I have a vehicle loan with Global Lending Services that was taken in XXXX. It has been XXXX months and the loan does not appear in my credit reports. I called them and they say they have reported and it's not a problem on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
The payment on my Credit acceptance loan is too expensive the intrest rate is XXXX percent. I have tried to refinance but got denied. I need help lowering the payment or resolution to pay it off. The transmission just went out i called XXXX and they denied to help me. Please help I'm drowning in debt and it is causing me XXXX and XXXX this is also preventing me from getting approved for a home loan. Also CREDITACPT XXXX XXXX with account # XXXX opened on XX/XX/2019 and a balance of {$12000.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this 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 2022-07-07 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: NJ

Complaint narrative:
Please provide original copies with my signature on them, the same you utilized at the time of reporting these items and these alleged obligations. 

Please see Attached.

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 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
This company is calling, refusing to identify themselves, keeps calling despite direct warning this number on the national do not call list, yet they continue. The funny part... then are inquiring for someone else, a friend from college, whom has NEVER ever, not once, used my phone nor would report my phone number as his own. So this creepy debt collector, whom ONLY identify themselves as " XXXX, calling for XX/XX/XXXX XX/XX/XXXXon a personal business matter '', is resorting to calling FRIENDS/associates of the person they're trying to collect a debt. They didn't say so but that is the only slimy reason they would hide their info and be non stop persistent. They call at least twice a week going on 9 mos to a year, different numbers, same caller ID " PortfolioRecovery ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
"ON XXXX I SENT A "VALIDATION OF DEBT LETTER" TO XXXX XXXX XXXX. AS OF XXXX I HAVE NOT RECEIVED ANY RESPONSE AS REQUIRED BY LAW SECTION 1006.34 (c) OF THE FDCPA. THIS IS A VIOLATION OF MY RIGHTS. BECAUSE THE ACCOUNT WAS NEVER VALIDATED, IT REMAINS INVALID, SO THE CREDITOR/FURNISHER BY LAW, CANNOT CONTINUE COLLECTION ACTIVITIES, NOR REPORT THE INVALID ACCOUNT TO THE CREDIT BUREAUS. | ALSO NOTICES SEVERAL FRAUDULENT INQUIRIES, I BELIEVE THESE ARE THE RESULT OF IDENTITY THEFT. BECAUSE I DID NOT NOR DO I RECALL GIVING AUTHORIZATION FOR THESE INQUIRIES THERE IS NO "PERMISSIBLE PURPOSE." I DEMAND AN INVESTIGATION WITH ALL UNVERIFIED ACCOUNTS AND INQUIRIES DELETED IMMEDIATELY WITH A UPDATED REPORTS SENT TO MY ADDRESS. I DO NOT CONSENT TO ANY 3RD PARTY OR ELECTRONIC VERIFICATION."

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 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am requesting the audit trails ( accounting, file, ledger and transactional history ) for the consumer credit transactions that occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 notarized by accountant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: FL

Complaint narrative:
The term " investigate 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX, 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 2022-07-07 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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX  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 2022-07-07 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: NV

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-07-07 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: NV

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/22 I had to take my XXXX to the vet due to an XXXX XXXXXXXX. On my way out to pay for the treatment and medication needed, my Chime debit card was declined. Confused and slightly starting to panic, i check my account balance and see more than enough to cover the cost. But again, my card is declined. I'm embarrassed and panicking but thankfully, my sister was with me. So we tried her card and it was also declined. She also banks with Chime. After apologizing to the vet, we went to get cash from an ATM. My card was declined again. Twice. So at this point I'm embarrassed and anxious about how I'm going to pay for my kittens antibiotics. I try to contact the bank and all options of contact are not working. So I check social media and on XXXX I see that Chime is down and no one has gotten a notification. Thankfully my vet was very understanding and still provided the medication for my kitten so hopefully Chime is back up tomorrow so I can pay them back. 
Chime sent a notification finally about an hour after the issues started. I've attached the notification of the declined transaction and of the email where I logged in on my phone to my chime account in an attempt to contact the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have a XXXX balance for an American Express Delta card and I want to cancel it. It is an annual fee card and I will not be doing anymore travel. Customer service will not process my closure since I told them my reason. It took minutes to open it and hours to attempt to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My Chase checking account was closed in XX/XX/2022. It was closed due to a negative balance. I received a check from a case settlement in that account XX/XX/XXXX. Now I recall when a checking account is closed that any money delivered to the account should be sent back. This was not a payment for my balance due in which they knew that. I was not notified that the deposit was even put in my account and now they refuse to return the money! They have applied the money to the balance and refuse to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have a vehicle loan with XXXX XXXX XXXX that was taken in XXXX. It has been XXXX months and the loan does not appear in my credit reports. I called them and they say they have reported and it's not a problem on their end.

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 2022-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I took out a loan on XXXX for {$15000.00} On XX/XX/2022 I was contacted by XXXX XXXX regarding a consolidation and refinance offering me a lower rate and payment on my EXISTING LOAN. 
I agreed. 
I asked if this was separate loan and they said NO THIS IS YOUR CURRENT LOAN. 
on XX/XX/2022 they deposited an additional $ XXXX into my account. I called in upset because as I suspected this was AN ADDITIONAL LOAN and they used PREDATORY TACTICS because I am a senior. 
I immediately asked that the loan be rescinded. They said I was still liable for the origination fees of {$790.00} ... and I refused to because I never authorized this loan. I only wanted a refinance of my existing loan. 
They finally agreed to remove it. But, to date it is still reporting on my credit. They provided a letter saying they remove it and they still have not. This is a huge hardship as I have been declined credit elsewhere due to their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: MO

Complaint narrative:
under 15 us code 1681b permissable purpose of consumer reports I never gave XXXX, equifax and XXXX any written consent to report anything to my consumer reports, so because I did not consent that means that is fraud. 

under 15 us code 1681a ( 2 ) ( B ) talks about exclusions from a consumer report any transaction supposed to be excluded from a consumer credit report. if a credit card which is social security was used in the transaction. the accounts listed below are all in violation of of both of these FCRA laws which i have tried resolving with the consumer reporting agencies and nothing has been done after multiple attempts. Because the violations are costing me a depressive life due to bureaus not following laws they should be held liable and repsonisble for fixing it. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: MO

Complaint narrative:
under 15 us code 1681b permissable purpose of consumer reports I never gave XXXX, XXXX and experian any written consent to report anything to my consumer reports, so because I did not consent that means that is fraud. 

under 15 us code 1681a ( 2 ) ( B ) talks about exclusions from a consumer report any transaction supposed to be excluded from a consumer credit report. if a credit card which is social security was used in the transaction. the accounts listed below are all in violation of of both of these FCRA laws which i have tried resolving with the consumer reporting agencies and nothing has been done after multiple attempts. Because the violations are costing me a depressive life due to bureaus not following laws they should be held liable and repsonisble for fixing it. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: Marlette Funding, LLC
State: CA

Complaint narrative:
I took out a loan on XXXX for {$15000.00} On XX/XX/2022 I was contacted by best egg regarding a consolidation and refinance offering me a lower rate and payment on my EXISTING LOAN. 
I agreed. 
I asked if this was separate loan and they said NO THIS IS YOUR CURRENT LOAN. 
on XX/XX/2022 they deposited an additional $ XXXX into my account. I called in upset because as I suspected this was AN ADDITIONAL LOAN and they used PREDATORY TACTICS because I am a senior. 
I immediately asked that the loan be rescinded. They said I was still liable for the origination fees of {$790.00} ... and I refused to because I never authorized this loan. I only wanted a refinance of my existing loan. 
They finally agreed to remove it. But, to date it is still reporting on my credit. They provided a letter saying they remove it and they still have not. This is a huge hardship as I have been declined credit elsewhere due to their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have attached and FTC report with an account and inquiries I did not authorize

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 2022-07-07 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: Harris & Harris, Ltd.
State: IL

Complaint narrative:
15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations Please help this company has violated all of my Consumers Rights and Continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Charged XXXXXXXX XXXX for XXXX on XXXX card. My cousin paid for her half of the cruise on an XXXX card. Cruise postponed until XXXX due covid. Then in XXXX of XXXX XXXX cancelled cruise altogether and sent me copy of ledger page showing refund made to cousin 's XXXX card and my XXXX card on XX/XX/XXXX. My cousin received refund on her XXXX card ; XXXX said they never received my refund. Follow up with XXXX impossible as they went bankrupt. I feel confident XXXX got my refund and lost it, as my XXXX card number had changed in XXXX. I have explained situation to dispute department but all they send me are form letters saying it is untimely since the original charge was in XXXX. When situation wasn't resolved I sent certified letter to XXXX of XXXX and received a reply saying it should be taken up with Bank of America. I sent certified letter to President. of Bank of America which was signed for on XX/XX/XXXX but I never received a reply. Amount involved is $ 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