vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: SC

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account NAME : XXXX # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Sections states : no consumer reporting agency make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is correct.

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 2023-03-21 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-21 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: TX

Complaint narrative:
Deposited a refund check for {$530.00} on XX/XX/2023 into my personal checking account. On that same day Navy Federal Credit Union deducted {$450.00} from that same personal checking account without my permission to apply to a Navy Federal Credit Union Unsecured Credit Card charge off account with a balance of {$9200.00}. The remaining balance on that account is now {$8700.00}. I called Navy Federal Credit Union and told them I want my money returned to my account and they refused and said they will continue to take money from my account whenever they want until the balance is paid off or I call and make payment arrangements to voluntarily pay down the balance which I will not do because I am unemployed disabled and have no money left to pay for anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Personal information was deleted then reinserted onto my file without me being notified. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Hello, My name is XXXX and I need help... 

XXXX XXXX XXXX XXXX : XXXX Start Date:XXXX Initial Balance : {$26000.00} Remaining Balance : {$17000.00} I put a down payment on a truck in XXXX, Within 5 months the engine went out. I went to XXXX dealership, and they say they put a new engine in the vehicle and apparently they didn't. Now not even 2 years later I need another engine on the vehicle. My vehicle doesn't run and I'm stuck paying a car note of XXXX a month. XXXX XXXX in XXXX XXXX IL is now telling me that my warranty has ran out but I already used the warranty 5 months after putting down a down payment. Now I have to file bankruptcy because I cant receive another loan since I already have one with Credit Acceptance. I feel its very unfair that XXXX XXXX are giving people vehicles that barely work and now where stuck and in debt because of it. Is it any way you can look into this situation? I just dont want anyway else to have to go through what I'm currently going through. They need to be shut down immediately.

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 2023-03-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Account owner XXXX Account XXXX reported XX/XX/XXXX Account status XXXX XXXX XXXX XXXX XXXX amount owed {$83.00} Original creditor PROGRESSIVE Date assigned XX/XX/XXXX Agency XXXX COLLECTIONS Status date XX/XX/XXXX Delinquency Date of last payment Balance owed {$83.00} Comments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

Here are my tracking numbers XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 

I also sent letters to XXXX, XXXX, and TransUnion regarding the same 2 accounts on XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 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: IL

Complaint narrative:
I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

Here are my tracking numbers XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 

I also sent letters to Experian, XXXX, and XXXX regarding the same 2 accounts on XX/XX/XXXX and XX/XX/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 2023-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd.
State: TX

Complaint narrative:
In XX/XX/XXXX Office of Personnel Management was hacked in which thousands of DoD employees information was stolen, I am one of those victims. I and my wife were both formally notified by the XXXX of the incident and given identity protection for two years. Beginning in midXXXX through now my wife and I have both been the victim of several credit theft with several attempts at withdrawing money from our savings account and attempting to open new credit cards through our bank, XXXX. Around XXXX XXXX I received a bill from XXXXXXXX XXXX XXXX claiming I open an account and now I owe them {$690.00}. I called their customer service several times and all they could tell me is I owe them money for an unknown purchase. I never requested a XXXX credit card ; I never received a XXXX credit card or monthly bill. 

XXXX is now harassing me with constant demand letters from debt collectors such as XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have responded to each demand letter and all that XXXX does is utilize a different collection agency. 

I'm also receiving debt demand letters for an induvial who I don't know and does not live at my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: DE

Complaint narrative:
In accordance with Fair Credit Reporting Act, Discover Bank has violated my rights.

Under 15 U.S.C. 1681 Section 602 section 4 - states that I have the right to privacy. 15 U.S.C. 1681 Section 604A section - states that a consumer reporting agency can not furnish an account without my written instructions. And, 15 U.S.C. 1666 B - 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 2023-03-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these two accounts below have violated my federally protected consumer rights to privacy and confidentiality, and fairness in the consumer market. 

Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.C.S 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes 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 they person knows or has reasonable cause to believe that the information is inaccurate. 

I disputed these two accounts, and they were verified despite there being inaccuracies of date of account and address. 

One of these accounts was repeatedly re presented to cause repeated injury to my credit, an account from XXXX presented as new repeatedly in XXXX, and the consumer reporting agency allowed this. 

The agency did not furnish me with a report on the investigation on how they verified the account which in itself is another violation of my consumer rights, as per Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumers file if the consumer alleges the item to be inaccurate. 

With regard to this I would seek remedy as is statutorily my right to do. This is unfair. The debt was incurred as a result of the pandemic and issues with the property and landlord, and there was considerable dispute such that it was an unfair assault on my credit to allow it to be repeatedly presented as a new debt, the original company refused to investigate the issue and assist me at a time of need. 

There must be rules on CRA allowing furnishers to attack the credit of a consumer in this way? 

I am seeking consolidation loans to assist with managing my debt and to finance my business growth to increase my income, towards buying a house etc and these erroneous statements on my credit are negatively impacting my life.

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 2023-03-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these two accounts below have violated my federally protected consumer rights to privacy and confidentiality, and fairness in the consumer market. 

Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.C.S 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes 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 they person knows or has reasonable cause to believe that the information is inaccurate. 

I disputed these two accounts, and they were verified despite there being inaccuracies of date of account and address.

One of these accounts was repeatedly re presented to cause repeated injury to my credit, an account from XXXX presented as new repeatedly in XXXX, and the consumer reporting agency allowed this. 

The agency did not furnish me with a report on the investigation on how they verified the account which in itself is another violation of my consumer rights, as per Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumers file if the consumer alleges the item to be inaccurate. 

With regard to this I would seek remedy as is statutorily my right to do. This is unfair. The debt was incurred as a result of the pandemic and issues with the property and landlord, and there was considerable dispute such that it was an unfair assault on my credit to allow it to be repeatedly presented as a new debt, the original company refused to investigate the issue and assist me at a time of need. 

There must be rules on CRA allowing furnishers to attack the credit of a consumer in this way? 

I am seeking consolidation loans to assist with managing my debt and to finance my business growth to increase my income, towards buying a house etc and these erroneous statements on my credit are negatively impacting my life.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
During Covid I applied for a forbearance with my mortgage company since my husband was no longer working. It was granted. When we were ready to resume payments, I called and let them know, but they told me I had to pay the total amount upfront ( at the time about XXXX ) and I told them I couldn't afford that, but that I wanted to resume regular payments. We went in circles with them telling me I had to pay the full amount upfront, but that they would refer us to someone who could help us ; then they would hang up on us ( we have recordings of the conversations ). This went on multiple times over the course of a couple of months until my husband was finally able to speak with someone who said they would just extend the length of the mortgage for the overdue amount. We received the paperwork for this amendment, however, they blocked my online access to my account and thereby prevented me from paying my mortgage ( I have screenshots ). I managed to make 2 payments via the phone where each time I had to wait 20 minutes to speak to someone who once again told me I owed the full amount. I repeatedly called them over the next couple of months to try and get them to restore access to my on-line account so that I could pay my mortgage efficiently and timely, however they refused to re-instate it. They would hang up multiple times when I would ask to be transferred to someone who could help me. This is deceptive business practices and I do believe they want to foreclose on the house rather than resolve this issue.

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
1. Gm Financial is reporting to credit Bureaus that they gave me a loan. When in fact it was a retail installment agreement. Which are two different things. GM financial has never given me any money.

2. GM financial did not follow illinois laws when repoing the vehicle. They must contact me 3 days after in writing about my options. I was contacted 14 days after. 

3. GM financial stated they sold the car in a private sale on XX/XX/23. However the car has not been sold. 

4. GM Financial stated they sold the car in a private sale but they are charging me auction fees. 

5. Once GM financial violated Illinois laws post repo this was automatically considered a wrongful repossession.

6. Reporting inaccurate information to credit agencies is violating my rights under the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have not agreed, nor aware, not informed or have evidence of this debt with XXXX XXXX XXXX and do not have a contract with I.C. SYSTEM, INC. They did not provide me with the original application or proof of this account like I have asked.

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Incorrect personal information was deleted then reinserted onto my file without me being notified as required. See attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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: WA

Complaint narrative:
We have been customers of Bank of America for over 20 years. Today XX/XX/XXXX my husband tried to use his debit card this morning to buy coffee and it was declined, the cashier stating that it says that his debit card may have been reported stolen. I called the Bank of America where we have 3 checking accounts and 3 saving accounts and 6 credit cards and they said that they are closing all of our checking and savings accounts today because bank of America is deciding to end its relationship with us. They didnt give me any specific reasons for this, and after I called a few more times to see if I can get more answers I found that they were only closing the checking and savings accounts and not any of our credit cards. I went into a branch to talk to someone and withdraw a little bit of cash a few hours later and they called the bank and they gave them the same reason of why my account was being closed. I was unable to withdraw any funds from any of my accounts which left us with no money. They stated our direct deposits from our jobs that we had coming in there for the last 10-15 years and all the bill pays would be rejected.

Both my daughters accounts that I am a signer on were also affected and closing. My XXXX XXXX XXXX daughter was a victim of fraud from a job she attempted to apply to almost exactly a month prior, I called to ask if this was the reason and that we were the victims of it and the department was still unable to give me any information about it stating they would close our accounts and mail us any balance due. We are now left just waiting with no access to cash and auto payments being rejected. I am due to give birth in 2-3 weeks and bank of American cant give me an explanation of why my funds are not accessible and why they are deciding to not do business. I asked if I did something wrong to just tell me and maybe I could give more explanation. The money in there is from our payroll jobs that we have been getting deposited there for the last 10-15 years.

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