vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: PA

Complaint narrative:
On XX/XX/2022 Experian posted a debt of {$550.00} from XXXX XXXX XXXX XXXX XXXX. I contacted Experian requesting the " ... .procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) ... '' I have not heard back from Experian as of XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
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 2022-06-01 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXXXXXX 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 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX, i mobile deposited an XXXX XXXX  payment into my fifth third checking account. After waiting 2 days for the check to process, it had cleared and was available in my account. On the morning of XXXX, I checked my bank statement to ensure my account was good for the bills that are set to autopay on my account. I was shocked to see that my account XXXX over XXXX dollars in the negative and there was no clear explanation as to why. Today, XXXX, I called fifth third for details as to why they overdrafted my account by such a huge number, given that I had no pending transactions or checks showing as bounced. After talking to an agent at the XXXX XXXX location in XXXX, Ohio, I was informed that the check had been deposited twice although it had not been endorsed until I deposited it on XXXX. I was then called back and told it was because the check was void after one year and I had missed the window to despot it. I was then called back again and told that the check had indeed been deposited twice, and I was expected to pay back the full amount after they had made the funds available. This constitutes fraud on fifth thirds part as they have either deposited an unendorsed check to my account without my knowledge, or have accepted the check and deposited the funds, only to pull them from my account after well over 2 weeks of access. Fifth third has willingly and knowingly provided me false information and is in violation of 15 U.S. Code 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: MarkOne Holdings, LLC
State: OH

Complaint narrative:
Well, in XXXX of 2016, I had an automobile financed with MarkOne Financial Services located in XXXX, FL. Here in Ohio, the customer never holds the actual vehicle title. After realizing that I never received a paper lien release in the mail or notification that the lien was released electronically, I called MarkOne Financial. On or about XX/XX/2016, I called and explained to XXXX XXXX that information. She in turn advised me that there was a small balance of {$150.00} and that in exchange for the balance in full, she, on behalf of MarkOne, would remove any and all prior delinquency of my payment history because of this unknown small balance. On XX/XX/2016, I authorized payment to clear out the balance. 

Additionally, I have the dated email from XX/XX/2016, from XXXX XXXX stating the above facts. 

I sent MarkOne XXXX certified letters. XXXX to the physical address and the other to the address on my actual credit report. The physical address was returned as being undelivered, but the POB letter was signed for. I call the USPS and was told that the POB was NOT assigned to MarkOne Financial, BUT they could not tell me the current owner of that particular box.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-01 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: I.C. System, Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act, account XXXX, I.C system inc, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an 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 2022-06-01 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: AL

Complaint narrative:
These account from XXXX XXXX  were removed from my credit report in error. They were current up to date and paid off. I want these accounts added back to my Equfax report asap. 

XXXX XXXX XXXX XXXX XXXX {$2200.00} opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX {$700.00} opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I applied to Rocket Mortgage to refinance my home in order to use the equity as part of a divorce settlement. I was upfront when I spoke to the first representative about why I was refinancing as necessary for the pending divorce. I provided a deposit of {$500.00}. The house was appraised on XX/XX/XXXX. My soon to be ex-wife is on the current deed. I explained that I was well aware that she would have to sign a quit claim deed at some point in the process either with the new loan or as part of my divorce. I discovered on XX/XX/XXXX that she was sent a letter indicating my loan terms and the appraised value. She gave me the letter back unopened, but that could have seriously jeopardized the divorce process and settlement. 

On XX/XX/XXXX I received a call from the title company that Rocket uses informing me that I needed my pending ex-wife to sign a quit claim deed. They said that might rate might be in jeopardy. I called Rocket later that evening and spoke to a representative who told me that I should be ok and that I could ask for a rate extension on or about XX/XX/XXXX when the rate was going to expire. On Friday the XXXX, I received a call from their loan suspension department informing me that my loan would be suspended and that I would have until XX/XX/XXXX to get my pending ex-wife to sign a quit claim deed. I asked to speak with client relations and ultimately ended up asking for my {$500.00} deposit back. I emailed my original representative about this and verbally told client relations the same. 

My concern is that even though I was completely upfront about my pending divorce that I was still encouraged to proceed with the loan. Had I known prior to initiating the process I would not have pursued refinancing at this time. While I am aware that Rocket incurred costs ( appraisal ) associated with this, because I was misled and later felt bullied with the threat of a loan suspension I think was fair to ask for my deposit back. I was informed XX/XX/XXXX by Rocket that I would not be getting my deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
AROUND XXXX I NOTICED SOME INFRACTIONS WITH MY LOAN SO ON XXXX I SENT A CEASE AND DESIST LETTER PLUS A AFFIDAVIT ALONG WITH A DEBT VALIDATION LETTER TO ADRESS MY CONCERN NO ONE EVER RESPONSE TO MY LETTERS THEY ONLY SENT THREATS I HAVE THE PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/2021 my account with Paypal was shut down for unknown reasons while I had a balance of {$2400.00} left in my account with them. As per the shutdown, Paypal told me they would hold the funds for 180 days ( which itself is crazy and very inconvenient ) and that after that time, an email would be sent to me with instructions on how to retrieve my funds. After 180 days, I NEVER received the email and to this day, I am still unable to retrieve my funds. This is a very horrible way to run a business. This is money that Paypal is choosing to hold without any merit at what appears to be, indefinitely. I want my money back!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX and I discovered that my bank of America EDD Isa card was depleted of XXXX, a person not me went on line and did a funds transfer of XXXX, then another XXXX, unauthorized charges for XXXX, the bank apparently credited me the first time within 24 hours then the person did it again, I can't tell you what I have been through, there is no one to help me, I don't use on line never have never will, I have be r n fighting for my money sine the end of XX/XX/2022, everyone I call I get different answers and different things I should do, I have reported this to the police and the Federal Trade Commission and the XXXX XXXX XXXX and I've contacted XXXX XXXX XXXX I'm trying to get my money back it's ruined my life and my job I can't do anything it's made me broke my car 's broken and it's ruined my life Bank of America does not help they tell me different stories every time I call it clearly stated that the person went in and changed my email and then had the money sent to some bank account I guess and I need my money back it's. It's crazy that they would first approve the money and then it gets taken again and now they want to prove it again not even my email or anyting I am so frustrated I need help desperately at first I was told it would take 30 days when they put the money back in within 24 hours they did not tell me this I've been issued 7 cards in the last 4 months the person did it again and I don't know what to do anymore I'll call every day to see if I can get the money and somebody tells me something different

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 2022-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I received communication stating that they had reviewed my account and that I had only made one qualifying payment over XXXX years. Even though zero payments are supposed to count, I filed a pslf form when I was first employed in XXXX My employer is a qualifying employer. They clearly have not made any actual effort to calculate where I stand with pslf. Additionally, they put me into forbearance without my request or knowledge, right before the student loan payment pause took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: MS

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. 

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX. XXXX Account XXXX XXXX XXXX. XXXX DEPT OF ED Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. DEPT OF ED Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: TX

Complaint narrative:
I have sent this company several disputes to this company over the last year and they have not the any work on my credit file, they only come back with computer generated answers instead of investigating the information that I have ask to be asked to investigate. I last mailed in a disputed on XX/XX/2022 and get an alert on XX/XX/2022, through my email say you dispute complete that was very fast and I see they DID NOT INVESTIGATE any items I disputed I am working hard to insure the accuracy of my credit report and they refused to do their job. And the third party company XXXX XXXX that they purchase information from, been informed that they do not have any information in their system. I have attached the disputes and the alerts that I received today.

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 2022-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX and Carrington Mortgage Services LLC have illegally taken possession of my home and are currently trying to sell it. XX/XX/2022, they were aided by XXXX XXXX XXXX operating under the color of law, in ousting us from our home -- without a legally valid court order. By XX/XX/2022, XXXX XXXX had the locks illegally changed. They somehow acquired a void mortgage from XXXX. When XXXX ( XXXX ) created this mortgage, it was found to have violated the federal False Claims Act and State Consumer Protection law by our US Government. This resulted in heavy fines and lawsuits against XXXX and its related entities. I previously complained about XXXX 's role in Complaint ID : XXXX. Although a series of foreclosure related eviction suits were filed in the name of one of XXXX XXXX voided out businesses ( and later, a transfer agent company ), they denied any connection to the harassing suits. The transfer agent pointed to Carrington Mortgage Services LLC ( See the Response attached ). I filed an FHA complaint in federal court XX/XX/2022. A case status is set for XX/XX/2022 at XXXX am. But XXXX XXXX and Carrington are now moving fast to illegally sell my property. Just this XX/XX/2022, they are illegally removing my personal belongings from the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was scamed by someone posing as an XXXX care technician that said that my bank account was being charged for service totaling {$3500.00} and that they would have to reverse the. Payments to me by XXXX They were XXXX to trick me to down load and app called XXXX from there they started stealing money from XXXX XXXX a total of {$17000.00} I called my bank which is Bamk of America immediately unfortunately they said that they could not do anything because XXXX is like a cash payment

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 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: CO

Complaint narrative:
I cancelled my PayPal NetSpend prepaid card due thinking it was stolen and the representative who cancelled the card said " I would get a replacement card '' that never got delivered. I've spent multiple hours and days trying to access my funds from direct deposits from the IRS and my job that were loaded on to that card and they keep telling me that account dos n't exist and card number dos n't exist after they cancelled it. I have documentation, pictures of my card and sms messages showing my transactions and deposits made to that card. the multiple representatives are not helping me with a replacement card or transferring my funds to a new card. Please help me

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 2022-06-01 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B states 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 2022-06-01 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: GA

Complaint narrative:
In accordance with the Fair reporting Act 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 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 XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
*15 U.S.C 1681 -Procedure in case of disputed accuracy section 2 ( A ) section 5 ( A ) *15 U.S.C 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies section 8 ( A ) section E *15 U.S.C 1681- Congressional findings and statement of purpose section A ( 4 ) *15 U.S.C 1681b- Permissible purpose of consumer reports section A ( 2 ) *15 U.S.C 1681 section 602 A, states I have a right to privacy. 
*15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. 
I have sent certified letters three times for XXXX, Equifax and XXXX to respond verified and updated. You can see from credit report that is incorrect and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 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 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 XXXX XXXX XXXX  has violated my rights. 
*15 U.S.C 1681 -Procedure in case of disputed accuracy section 2 ( A ) section 5 ( A ) *15 U.S.C 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies section 8 ( A ) section E *15 U.S.C 1681- Congressional findings and statement of purpose section A ( 4 ) *15 U.S.C 1681b- Permissible purpose of consumer reports section A ( 2 )

*15 U.S.C 1681 section 602 A, states I have a right to privacy. *15 U.S.C 1681 section 604 A s
ection 2, also states a consumer reporting agency can not furnish account without my written instructions. 
I have sent certified letters three times for XXXX, XXXX and Experian to respond verified and updated. You can see from credit report that is incorrect and inaccurate.

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