vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had my XXXX repossessed in XXXX of 2021 while laid off from work due to XXXX and those idiots at Regional Acceptance new it didn't work with me so they came and got my car while I was shopping at XXXX. XXXX years and now I barely find out from a private XXXX, I hired to find out who is stealing my identity using my Social Security and falsifying that their myself when I just barely found out that these Fraud punks that I'm going to sue are behind it. I tried to get a Credit Card after being approved with a certificate number comes to find out my Credit is worse than before I filed Bankruptcy these idiots in XXXX California XXXX XXXX XXXX XXXX XXXX XXXX I don't know who the F they a Brokers or Insurance company all I know is I'm going to sue them. So today I finally after months and lots of money my private I 's gave me what I wanted and that is who my identity was stolen by and it's those XXXX in XXXX they repo my car now there trying to scam for more money and ruin my credit, even more. There also behind the hacking thats been going on with my XXXX network they have all my private information. There behindf me not getting my unemployment during XXXX they were extortionists fraudulent scammers comne to find out XXXX of those XXXX have a towing service I want this off my XXXX credit reports ASAP. I want to sue XXXX, XXXX and XXXX for following in gthe foot steps of scammers there idiots who all the executives should be jailed and F XXXX up.

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 2023-11-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 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. Under 15 USC 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was denied credit increase due to many past delinquent. However, I have setup automatic payment to my account. There was XXXX time late payment that was waived by the company. I believe there are inaccurate information that should be removed since they are old reporting. I would like them to be remove if they are old data in my credit report. Wrong social security number shown when you log online.

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 2023-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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
Consumer complaint received 2023-11-12 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: 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.

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 2023-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Payment are {$170.00} for the first year and {$420.00} beginning XXXX year. This can not be right. 
After several emails to Aidvantage without response. I can't even get Aidvantage to respond to questions about what pay plan my account is tied to. It is supposed be the XXXX plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The account was closed without any notice I was able to transfer the funds before was too late, the next day I tried to download the XXXX  statements to be able to file the taxes for XXXX, and then keep the others on hand to do the XXXX  taxes. but I don't have any access to the business account anymore through the BOA website just the personal accounts, not the business. I know that they closed the account but they do not give me any choices or explanations I NEED THOSE STATEMENTS TO FILE THE TAXES FOR THIS YEAR. 
THEY CAN BE EMAIL TO ME. 
I NEED IT ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We contacted Chase Bank XXXX, whereas the Chase bank Representative advised us that they added the Assignment of Mortgage in Error, we even went XXXX way on phone call with Select Portfolio Servicing and Chase Bank, advising them that Chase Bank made in error and that Select Portfolio Servicing need to issue a Correction to get the Assignment of Mortgage ( removed ), they still refuse to make correction and then XXXX used the Fraudulent document to peruse a Foreclosure and get a Sale Date. We brought in the documents to Chase Bank twice ( XXXX and XXXX ) so they could give to their research department, they acknowledge they received XXXX, and advise they would have resolution by XXXX, Chase then sent us a Letter telling us they are not the Noteholder or Investor and it is XXXX who is our Noteholder, and that because they sold the Servicing rights to Select Portfolio Servicing, they were unable to issue Correction of Assignment of Mortgage, now the Servicing company XXXX refuse to issue XXXXrrection of Assignment of Mortgage, we then asked Chase several times for Documents showing when and where they sent our document to XXXX, still no response from Chase now there Executive Office refuse to take our calls, we then sent emails asking Chase Bank to give us a document showing that they added the Assignment of Mortgage in Error, still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: 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.

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 explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: MD

Complaint narrative:
My deposit has been pending since XX/XX/XXXX and its XX/XX/XXXX now. I have been in contact with XXXX but they just say its going through an additional check and it has been escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MA

Complaint narrative:
I have contacted Lexis Nexis 3 times and asked them to mail me my Full Consumer Report with XXXX Report and I haven't received it. 
I contacted them on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX & XX/XX/XXXX at XXXX, all 3 times I requested my Full Consumer Report with XXXX Report to be mailed to me because I received an adverse action letter from XXXX ( Ref XXXX XXXX ) and other insurers as well, stating that I didn't receive the best auto rate due to what's in my Lexis Nexis Report. 
On XXXX XXXX at XXXX I contacted them again because I still haven't received it, and was told that it was mailed out on XX/XX/XXXX and I should receive it by XX/XX/XXXX which I have not. 
Now, because I haven't received my Consumer Reports to review the information in it, I'm forced to renew my policy on XX/XX/XXXX with an extremely high auto rate for someone with a good credit score of XXXX & an XXXX score of XXXX. My auto insurance premium is about 2- 3 times the amount I believe it should be. There's no reason why I shouldn't have received my reports in time before my insurance premium was due, 2+ months is a ridiculous amount of time to have to wait for something that I'm entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Hard inquiries from 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 Explicit written permission was not given by these entities to run my personal 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 2023-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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.

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
Consumer complaint received 2023-11-12 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:
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.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was denied credit increase due to many past delinquent. However, I have setup automatic payment to my account. There was one time late payment that was waived by the company. I believe there are inaccurate information that should be removed since they are old reporting. I would like them to be remove if they are old data in my credit report. Wrong social security number shown when you log online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was denied credit increase due to many past delinquent. However, I have setup automatic payment to my account. There was one time late payment that was waived by the company. I believe there are inaccurate information that should be removed since they are old reporting. I would like them to be remove if they are old data in my credit report. Wrong social security number shown when you log online.

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 2023-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and in XXXXXXXX XXXX XXXX. Both times I was sent an email by XXXX, a representative from XXXX, stating they needed more information and to call them ( XXXX ). I filled out my application in XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX  - a public service career. I assumed this would be a fluid process- it has not. They only verbally tell me what I should insert on the form and when I do, they send me another email stating to " call them because of errors ''. After my first " erroneous '' application ( they indicated I did not put " teacher '' and correct dates on the application ) the staff member told me the exact dates to add to my second application - I wrote the exact dates she indicated based on my years of service as XXXX XXXX and wrote XXXX XXXX XXXX. They denied my application again. I asked them if they could send me any document that would indicate what I needed and what the errors were- they refused twice. It appears they just keep moving the " goal post '' each time I fill out an application. I have four college degrees so I believe I know how to follow directions and fill out a basic application. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Second Mortgage on home matured from PHH Mortgage company in XX/XX/XXXX. Company is reporting missed monthly mortgage payments of XXXX dollars on my credit report monthly which is incorrect Additionally in the beginning company was also falsely reporting that this was a 30 year mortgage which it was a 15 year mortgage. Company also falsely reporting the wrong past due amount monthly on my credit report. This was a balloon loan and it is not being reported as such. The false reporting is not allowing me to refinance my mortgage because it looks like I missing monthly mortgage payments instead of a balloon payment. Additionally in XX/XX/XXXX I applied for a refinance with XXXX mortgage and on numerous occasions told I was approved for refinancing but only to be denied due to there own company falsely reporting that I missed a monthly mortgage payment in XXXX of 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 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Hello, On XX/XX/23 I received a call from Wells Fargo Customer Service number XXXX ( XXXX ) XXXX and they went through some attempted fraudulent charges on my account. I told them all of these charges were fraudulent and I wanted to proceed with pressing criminal charges. I told them I didnt want a new card at this time and I would updated my password and PIN. 

While I was on the phone with the Wells Fargo, I received notification emails that my current card had been added to XXXX play on a XXXX device ( not authorized by me ), then an email that I had requested a new card ( also not authorized by me ). I also noticed {$390.00} had been transferred from my savings account to my checking account ( also not authorized by me ). 

I called Wells Fargo back and told them all of the above information, we went through recent charges and I told them the {$100.00} and {$400.00} atm withdraws from XXXX were fraudulent and submitted a claim. I was told it can take up to 10 days to resolve the claim.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, This is in response to this claim : XXXX This is a new claim with new and updated information. 

Please see attached - my written complaint - my drivers license - my social security card - my proof of address - my credit report showing XXXX, XXXX, and TransUnion I had an installment loan with KickOff - you advertise it shows on a customers XXXX + TransUnion credit reports- mine does not. 

XXXX only shows on my XXXX credit report It is not showing on my TransUnion credit report. 

In this complaint - XXXX - you thought it was because of a fraud alert - that has been removed as the attached credit report shows. 

Now, there is no fraud alert on my TransUnion credit report- and I expect your XXXX tradeline to put put on immediately- as I paid for. 

Also to note - the credit report did NOT have a security freeze for the duration of the installment loan - as you can see I have received other tradelines showing during this time- so there is NO REASON XXXX wouldnt show - if you guys accurately reported. 

Please have this handled as soon as possible - as you are affecting 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 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EAST WEST BANK
State: CA

Complaint narrative:
I have been spoken rudely with the company employees at east west banks customer service over the phone call we had about my debt card being lost in the mail or stolen. There forward, I am trying to get my funds to XXXX account though online bank app and its taking the mobile with no explanation for the appropriate transfer receiving the money also no data that will complete the transaction on the receiving account. Thank you so much for your help and understanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation