vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK
State: CA

Complaint narrative:
Applied for Discover XXXX XXXX back on XX/XX/XXXX. I felt that it was a good time with credit scores of XXXX. I had been researching options for a few months before choosing Discover. 

After starting the process I begin to get the requested paperwork in order. Two items that I couldn't supply was a bank statement with {$7400.00} and XXXX tax returns. The funds were available in my XXXX statement but not XXXX. I transferred funds to the account to meet the request but was told it needed to be on a statement. I asked if I could supply proof from a business I owned but was told it had to have my name on the statement not the business, I told them I couldn't supply until XX/XX/XXXX when the statement closed. There was an extension on filling my XXXX taxes which explanation was provided. They told me to supply XXXX & XXXX taxes which I did. 

Once I received the statement showing three times more than they required ; also provided a paid in full letter for a loan in good standing which I felt showed responsibility and preparation to accept a larger loan with smaller payment. 

On XX/XX/XXXX I received email that I was denied, which stated I could call for explanation. 
During talking to the officer he stated, 1 ) That I needed to have 2 months with the funds in my account, which I was only told to have the {$7400.00} in the account. 2 ) He also said not having overtime on my W2 check stubs, which shows XXXX earnings YTD. 3 ) That my XXXX was to high, which I know is not accurate. 4 ) My business took a loss per my tax returns, which I provided a P & L statement for XXXX showing a profit. I did not understand this considering they wouldn't let me use statements to help me but are using the taxes against me. Other things had been mentioned also. 5 ) For the PIF they needed to show funds in the bank account, which this personal loan was used to strategically boost my business in XXXX. My business has been paying this loan since I received the funds which showed in the XXXX & XXXX statement for XXXX and if allowed in the business bank statements. The business paid off the loan in full. 

Personally I did not understand and waited to receive the denial letter for explanation. None of the information received over the phone was included in the letter to prompt this complaint. I would like the method used to make this decision to be investigated. No option was offered as it stated on their website. Wasn't asked if I wanted to add my wife on which is more income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc
State: MS

Complaint narrative:
Hunter warfield is a predatory lender for the XXXX XXXX  XXXX in XXXX, Mississippi. I have half a dozen people that can give character statements and completely testify in a court of law that they witnessed their property manager. Cutting the locks off of my door for no reason going in my house, harassing my mother, that is XXXX, threatening to have my children taken away, all with my rip being current and paid. She was a XXXX XXXX XXXX XXXX XXXX XXXX ashamed to be called a human or woman and never once notified me of damages or court and never have been able to provide proof of their allegations but because they have the ability they lie to the federal government and hinder and ruin all persons lives they are able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Genesis FS Indigo Card violated my rights. 15 U.S.C 1631 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

[

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Under 15 USC 1681 XXXX/Bridgecrest, has violated my rights and in violation of The federal Truth in Lending Act ( TILA ) 15 USC 1681 section 602 A. 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 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 USC 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 explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Out of no where I see a Collection on my credit report for XXXX XXXX XXXX in the amount of {$270.00} dollars. It shows that the orginal creditor as XXXX XXXX whom I have never done business with. I have sent at least 3 letters to all the credit agencies with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
First and foremost, I have constantly disputed this debt. XXXX XXXX XXXX XXXX continues to call and leave voicemail messages on both my personal phone and work phone numbers. Because they call BOTH NUMBERS, that is a total of 10-12 calls per week which is in violation of the 777 Rule for regulation F Section 1006.14B21A which restricts agencies to contacting a consumer seven times within seven consecutive days. 

Secondly, every since XXXX, XXXX started harassing me about this debt, I noticed the year on the 1 " statement '' they sent was dated XXXX. Now, the same statement was " re aged '' to XXXX which is illegal. I NEVER made a payment to this collection agency because it is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MD

Complaint narrative:
I submitted a letter as a consumer to Lexis Nexis Risk Solutions Consumer Center on XX/XX/2023. Lexis Nexis violated my privacy by furnished a bankruptcy referenced number XXXX to Lexis Nexis and to XXXX, XXXX, and XXXX. I did not give Lexis Nexis permission to furnish this information, as I have a right to privacy. It has also been over thirty days since i have sent the letter. By law, a company has 30 days to investigate, and I have yet to receive a response regarding my dispute has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nicholas Financial Inc.
State: GA

Complaint narrative:
The items was removed from my credit and now I see they are still on or back on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XXXX  XX/XX/23 about XXXX XXXX my husband recieved a voicemail on his phone saying that the message was intended for us. ( Said our names ) saying that documents will be going out to our address needing signatures from both of us. ( My husband and myself ) to please contact issuing firm immediately at XXXX reference case # XXXX. This is very time sensitive as well as urgent. Said our names again and that we have been notified. 
I immediately called the number and a man named XXXX answered and gave his name. I asked whose number I was calling as he did not give name of the law firm. Told us he was collecting a debt from Discover from XXXX. Gave an amount in excess of {$4000.00}. He said he was sending documents to take us to court to collect balance owed. We told him we had not received anything in the mail regarding this. He said it was sent in XXXX and it couldn't be helped since we didn't respond and make restitution. He said the address of our property and asked if that was us and that we lived there XXXX  years, right? We said it's our address, but we've only had the property for XXXX  years. He even gave an address that my husband lived in before we were married, but he hasn't lived there for XXXX  years. He said the were taking us to court to get the monies owed. That the only thing we could do to stop it is pay in full. We told him we didn't have that kind of money, he said that wasn't his problem. He had to do what he had to do. Then he said let me talk to my supervisor for you. When his supervisor got on the phone he was very belligerent and yelling that it was our debt and we had to pay it. 
We got disconnected, so I called back and got XXXX again. He said I had to make a decision about what I was going to do because he had to send the papers in in XXXX hours. I told him I was too stressed and couldn't think. He said he would give me until XXXX XXXX XXXX time to call him back. Otherwise he was sending the papers in. 
When I hung up I called our attorneys office. When I told her everything, she said she thought it was a SCAM and not to call him back. I gave her the phone number I called, and told her they never gave the law firms name. She tried to check who the number belonged to, but could find no information on them. She was leaving the office for the weekend, but would look into it on XXXX. I have not called them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
CHEX SYSTEMS IS IN SERIOUS VIOLATION OF MY CONSUMER RIGHTS, FEDERAL RIGHTS, AGGRAVATED. IDENTITY THEFT, AND THE TRUTH AND LENDING ACT. AS UPON LOOKING AT THIS FRAUDULENT CREDIT REPORT, THERE ARE SEVERAL ERRORS INCLUDING : MY PERSONAL INFORMATION SUCH AS NAME, ADDRESS, OHONE NUMBER, EMAIL ADDRESS ( WHICH SHOULDNT BE ON THE REPORT ), XXXX XXXX ( TWICE ), XXXX XXXX XXXX XXXX XXXX. ANYTHING FROM XXXX XXXX SHOULD NOT BE ON MY REPORT AT ALL. CHEX SYSTEMS IS IN VIOLATION OF 18 USC 1028 A - AGGRAVATED IDENTITY THEFT, 42 USC 408- ILLEGAL TO ASK FOR SSN, 12 USC 1431 - BANKS CAN NOT LEND MONEY BANKS ARE BORROWERS. SO HOW CAN I OWE ANYTHING ON TOP OF THE FRAUD AND IDENTITY THEFT? 15 USC 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( WHAT PURPOSE DOES THIS HAVE? ), 15 USC 1602 - DEFINITIONS AND RULES OF CONSTRUCTION WE, I AM THE CREDITOR AND CONSUMER!, 15 USC 1681 SECTION 602 A SECTION 2 - A CONSUMING REPORTING AGENCY CAN NOT FURNISH ANY DATA ON ANY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT NOT VERBAL, AND 15 USC 1681 SECTION ( A ) - RIGHT TO PRIVACY, 15 USC 1681C ( A ) ( 5 ) - NO CONSUMER REPORTING AGENCY MAY MAKE XXXX CONSUMER REPORT CONTAINED IN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY ADVERS ITEM OF INFORMATION. YOU MUST REMOVE ALL HARMFUL, NEGATIVE, DECEITFUL INFORMATION OFF OF THIS CHEX SYSTEMS REPORT.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing this letter for the simple reasons that you are reporting erroneous fraudulent items on my credit history without my consent and incorrectly. I have already made an identity fraud report with the metropolitan police and Identitytheft.gov I want and hope they remove the fraudulent items below. 
Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Investigate and remove from my report. It is my understanding that you will recheck these items with the creditor who has posed them. 
Please removo any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. By thine provisions of the Fair Credit Reporting Act, I demand that these items be.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing this letter for the simple reasons that you are reporting erroneous fraudulent items on my credit history without my consent and incorrectly. I have already made an identity fraud report with the XXXX police and XXXX I want and hope they remove the fraudulent items below. 
Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Investigate and remove from my report. It is my understanding that you will recheck these items with the creditor who has posed them. 
Please removo any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. By thine provisions of the Fair Credit Reporting Act, I demand that these items be.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: IN

Complaint narrative:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank Attn : Customer Service [ Chase Headquarters Address ] XXXX XXXX, NY XXXX Chase Card Services Attn : Customer Service XXXX XXXX XXXX XXXX, DE XXXX Subject : Final Notice- Intent To Sue - Demand for Transfer of Applied Credit and Accountable Notes Dear CEO XXXX XXXX , CFO XXXX XXXX I am writing this letter as a final notice regarding the transfer of all applied credit and accountable notes to my account ending in XXXX, which is due to the principal account. I regret to inform you that if these matters are not resolved promptly, I will be left with no choice but to take legal actions to seek resolution. 

I would like to reiterate that all billing statements have been accepted and endorsed by me on behalf of the principal debtor as surety for the principal. They were sent to Chase headquarters located in XXXX XXXX, NY XXXX, with tracking number XXXX, as well as Chase Card Services at XXXX XXXX XXXX, XXXX, DE XXXX, with tracking number XXXX, which was signed for upon completion of delivery. Additionally, I made another attempt to claim all applied credit and accountable notes on XX/XX/2023, with tracking number XXXX. 

It is of utmost importance to express that I have approached this matter in good faith and with clean hands. I have made numerous attempts to claim all applied credit and accountable notes, specifically addressing CEO XXXX XXXX and CFO XXXX XXXX. Regrettably, they have failed to fulfill my request and neglected to respond, leading me to believe that they are intentionally disregarding these matters. 

I want to emphasize that the performance of the CEO and CFO of Chase Bank constitutes a material breach that impairs and destroys the essence of our contractual agreement. As a result, I am left with no choice but to pursue legal action, seeking damages for breach of contract, negligence and defamation of character. 

I sincerely hope that this final notice will prompt swift action to resolve these matters. However, if my demands are not met within a reasonable timeframe, I will proceed with legal action to recover the damages caused by the breach of contract by the CFO and CEO of Chase Bank. 

I trust that it will not come to that, and I look forward to a swift resolution of this matter. Please acknowledge receipt of this letter by contacting me at the phone number or email address provided below. 

Thank you for your immediate attention to this urgent matter. 

Yours sincerely, Done in good faith By : XXXX, XXXX XXXX, surety, Grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PROVIDENT FUNDING ASSOCIATES
State: GA

Complaint narrative:
My loan was sold to Provident Funding. I had auto pay setup with the originator, XXXX and had my Escrow / insurance sent to XXXX. 

When Provident bought the loan they did not xfer the auto pay info and are now threatening me with a late fee. IMHO, Dodd Frank reg0-z etc specifices that the buying servicer needs to xfer ALL info, the borrower needs to do NOTHING. A servicer xfer should be transparent. Not a preditory series of threatening being late and needless re -- setting up of auto pays and re-asking my insurer to send the policy info to yet another servicer. 

The servicer needs to make it transparent, XXXX action for the bowerer when they buy a loan. 

My Provident new loan number is : XXXX / XXXX XXXX XXXX XXXX GA XXXX Provident ( and other servicers ) need to xfer the auto pay as well as all Escrow info, balance, insurer, re taxes paid or not etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a letter as a consumer to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX violated my privacy by furnished a bankruptcy referenced number XXXX to XXXX XXXX and to XXXX, Equifax, and XXXX. I did not give XXXX XXXX permission to furnish this information, as I have a right to privacy. It has also been over thirty days since i have sent the letter. By law, a company has 30 days to investigate, and I have yet to receive a response regarding my dispute has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ), the Nevada Credit Reporting Act ( NCRA ), and 15 U.S.C. 1681c ( a ) and 1681g ( a ). I have attached my credit report with the information highlighted. 

I have an account with XXXX XXXX that is showing inaccurate information on my credit report. The inaccurate information includes : Account number, High balance, Last verified, Date of last activity, Date reported, Date opened, Payment status, Last payment, Payment history, Days late XXXX XXXX is violating the FCRA by reporting inaccurate information about my account. The FCRA requires creditors to report accurate and timely information to the credit bureaus. XXXX XXXX is also violating the Nevada Credit Reporting Act ( NCRA ), which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's actions, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 
I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report. 

I have attached my most recent credit report and the areas of violations are highlighted. 

I am specifically demanding that XXXX XXXX : Cease reporting the inaccurate information to the credit bureaus. 
Remove all negative information from my credit report. 

I am requesting that the CFPB take the following actions : Investigate XXXX XXXX 's actions. 
Take appropriate action against XXXX XXXX, including requiring them to remove it from my credit report.

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