vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the listed XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. I requested that Experian to re-investigate this unverified XXXX XXXX account XXXX. However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. This response was 100 % false and deliberately misleading. ( see attached outcome by Experian as to This item remains unchanged from our processing of your dispute in XX/XX/2023. After receiving this message, knowing the response was untrue and Experian continued to report this inaccurate, misleading information and responding the information will be unchanged, I filed a complaint with the your agency against Experian. Two complaints combined into one, 1st complaint ID # XXXX on XX/XX/2023 and prior ID # XXXX on XX/XX/2023. A parallel investigation with the XXXX and FTC was also conducted. With the now abundant amount of additional evidence provided by me to you and Experian also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy. 15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate. The information has been reported with identity theft. gov, I already sent Experian A FTC report and ID so they could verify my identity. Along with sending out letters to the original collector, I have attached all documents supporting this false unverified XXXX XXXX XXXX account, to be deleted at once. This unverified account has been on my credit report and has been hindering me from obtaining my first mortgage. This will be my last attempt to reach out to Experian before i proceed into court matters and seek monetary relief. Lastly, Experian is indeed NOT in compliance with Metro 2 Credit Reporting.

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 2023-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have disputed the fact that this company is broken multiple codes want my car title sent to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023 morning I tried using my everyday card to get some breakfast and my card didn't go thru. I contacted Chase and was informed my account was districted and close due to suspicious fraud activity. That i will received a cashiers check in 10 business days. I was upset because I was never informed of this and all my money that I have to my name was in this account. They wouldn't provide a reason on why they closed my account or what was suspicious about the account. I was giving no warning till the morning of this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc.
State: AZ

Complaint narrative:
I have a loan with SST. They claim I missed my XX/XX/XXXX payment. I provided them with my XXXX bank statement and a text, sent by SST, confirming that the payment was made. They continue to send emails and texts telling me that I must bring my acct up to date. This XXXX I received an email telling me I did not pay my XXXX payment. This email included late fees so I sent them my XXXX bank statement and the text, sent by SST, confirming that the XXXX payment was made. They continue to harass me daily even after I provided paperwork to verify both payments. I have called at least 5 times but to no avail. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: VA

Complaint narrative:
Cross Country mortgage continues to contact me while my account is coded as forbearance due to COVID impact. Ive had assistance withy state ( VA ) and plan on resuming payments in XXXX. Today, XX/XX/2023 a rep contacted me and told me I needed to make a payment or my home would be foreclosed on. I advised my account was in forbearance due to XXXX. She said it wasnt and I advised I had paperwork and also spoke to Loss Mit frequently so I know for a fact it was. She again proceeded to tell me that I would lose my home if I didnt make a payment. I advised her that was not true and that I was receiving assistance from my state to bring my payments current. I advised I would a complaint and she stated AND THATS FINE she was extremely rude and made me feel as though I would truly lose my home if I didnt make a payment. After speaking with someone who works for FHA and helps with mortgages she advised that was not true and she should not be contacting me and threatening me. She told me to file a complaint and make the mortgage company aware of their practices and services their associates are providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I applied for a mortgage loan on XX/XX/2023. Upon submission of the application, I was paired with a loan officer by the name of XXXX XXXX. XXXX. 

She advised that their automated underwriting system didn't " score '' my application well and later shared that they would need tax returns. I declined to provide. However, I requested the application be submitted without tax returns ( federally-protected information ). XXXX says she submitted the application on my behalf without the information. After my second attempt at requesting a reference ID, she shared that the loan number is XXXX and that it is now " out of my hands ''. 

That information was given to me on XX/XX/XXXX. Over a week after I sent in the original application. Today is XX/XX/2023 and I have NOT received any mailed or emailed update regarding my application. I have NOT received any approval or denial notice either and I know for a fact either of those are to be provided to me. 

I'm seeking to remedy this issue now before moving forward through other means.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
On XX/XX/2023, I went to XXXX XXXX XXXX car dealership to purchase a car. They said I was approved by United auto credit. I signed contract drove off with car. A week later On XX/XX/XXXX car was stolen by dealership saying bank never approved loan. As a federally protected consumer my rights were violated. I came in good faith to extend credit/15 USC 1679 ( a ) to make a consumer credit transactions. According to 15 usc 1611 criminal liability for willful and knowing giving false information. And other U.S. federal codes, These corporations are in violation of my consumer rights. They are also in violation of the Truth in Lending act, Equal Opportunity Act, The Emergency banking Act and The Fair debt and Credit Protection Act. I am the original creditor because every single extension of credit or debt obligation originates from my social Security number. They also lied about Mileage, price of car, and down deposit. My Credit score has been affected by this matter as well which is another violation. I have no car because it was illegally stolen but I have a contract that states car belongs to me. This is a civil and criminal matter. I would like to seek proper remedy for all damages this may have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
They continue to report this fraudulent account on my credit report. I also sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter on XX/XX/2023 which is a FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
My debit card was used without my consent on XX/XX/2023 in the amount of {$400.00}. I did not authorize this charge or have the card in my possession. I misplaced my wallet on XX/XX/XXXX at a local hospital where I was present for an appointment. I did not notice my wallet was missing until the next morning. I called the hospital and was told it was located and was in lost and found. I retrieved my wallet latter that day ( XX/XX/XXXX ). Seeing that all my cards and ID were present I thought little of it. I noticed about a week or so later that {$400.00} had been charged on my debit card. When I contacted the business that charged the card it was for vehicle lockout service. I asked for the vehicle information and they told me it was for a XXXX XXXX. I told them that I own a XXXX XXXX and my keys can not be locked in my car because my vehicle automatically unlocks the doors if it senses the keys inside the vehicle and the door gets locked. 

I asked them to refund my money and explained that situation with my card. They refused to refund my money. I then contacted Navy Federal Credit Union and they did investigate this incident and issued a temporary refund. Then they told me that because my card was used locally it was not fraud and took the credit back. I do not think I should be responsible for this charge and would like help in getting my funds returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX I lost my phone with all my personal information in it. Then on XX/XX/2023 there was a fraudulent charge of {$470.00} on my credit card. As soon as I noticed the charge on my account I called Chase customer service which was on XX/XX/2023. When I called they were able to cancel my credit card and send me a new one. They also told me not to worry about the charge that they will take care of it. On XXXX XXXX they sent me a letter saying that they will not take care of the charge and that I would have to pay for it. Even though I never authorized or purchased anything with my credit card they were going to add the charge back to my account. I don't have the money to pay for that charge and I find it completely unethical that they are making me pay for something I never purchased. When I called on XXXX XXXX to reassure them that I never made that purchase and that they probably stole my information through my lost phone they only said they would look into it but told me that more than likely I'm going to have to pay that charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I received a debit card in the mall to a bank I have never heard of. I called them and they said that it was opened with my correct name, address, and social security number. They said there was approx. {$2000.00} in the account. I also received letters that some kind of transfer of around {$2000.00} from this account was declined.

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 2023-08-04 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: FL

Complaint narrative:
After pulling my credit report XX/XX/2023 Ive noticed discrepancies from each credit bureau regarding an account on my credit report this company XXXX XXXX  XXXX XXXX has report incorrect information to each credit bureau to keep my report at a negative

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I requested a refund from my loan provider, Nelnet, around XXXX XXXX  XXXX for the payments I made during the pandemic ( which totaled to about {$9000.00} ). I checked my account in XX/XX/XXXX and the balance on my loans was back to the original amount from before the pandemic. I called Nelnet around XXXX XXXX  XXXX and was told that the refund was still processing and would take a long time to receive the check. I called again in XX/XX/XXXX and they told me I was misinformed before and that my check was actually issued in XX/XX/XXXX. So they said they would reissue the refund check, but couldn't tell me how long I'd be waiting before receiving anything. It has been almost a year since requesting and I'm getting different stories from them. I'm not sure where my money is or if they've actually issued the refund, but this has been extremely frustrating and disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: PA

Complaint narrative:
I made an account with Chase Bank, and Have an agreement with chase that there would be a XXXX bonus credit put into the account upon a direct deposit being entered In to the account! On XXXX XXXX my check which qualified and triggered the XXXX bonus offer was added to the account via direct deposit totaling XXXX direct deposit, flaked to personal bank XXXX, and manager as well as the marketing team which was unable to add the bonus in the account within a XXXX day time frame as the app discussed XXXX manager and marketing team admitted via live recorded phone call that I qualify for the credit and that it will be there on Tuesday instead of today or tomorrow? Phone call was on Friday XXXX XXXX at XXXX with manager!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-08-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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