vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Account number XXXX appears several times on my credit under different names. I have no knowledge of these accounts and would like to see a signed contract. Also these accounts listed above dont match all XXXX credit bureaus have different information on each accounts, Different dates and amounts etc. I have sent several letters trying to get this taken off my credit with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of XXXX  Ive made all payments on time. There was a charge of an interest left that was in the amount of {$2.00} that was paid. I wasnt ever assessed a late fee. I ended up seeing a late payment on my credit report and contacted home depot several times, they told me they don't see any late payments. That the payment history is perfect and on time. Ive also tried to contact credit bureaus they wouldn't fix it neither. Ive explained to them many times. Home depot also sent a referral letter stating they'd have it removed and nothing has happened ever since. There is a human error for something thats paid on time without defaulting on any payments. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 XXXX added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681 c. ( 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 crime which antedates the report by more than seven years. agency can not furnish a account without my written instructions.

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 explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681 c. ( 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 crime which antedates the report by more than seven years. agency can not furnish a account without my written instructions.

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 2022-06-12 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: IL

Complaint narrative:
No action taken by XXXX XXXX after I was referred to the fraud department. They took my name number and account info and never followed up and the negative item is still on my account. They never conducted an investigation even after they told me they would do so. 

Transunion credit bureau took my disput complaint and never contacted me again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I paid {$1000.00} on my credit card ; and they have held the payment although it was taken from my non Wells Fargo bank account the same night that payment was made. I called to find out what was going on and they said the payment had to be held for 4 days and would be added to the card on Sunday XX/XX/XXXX. Looked at the card and it was still not added. I then called again and was given the run around again. Wells Fargo is scamming customers not letting them use their cards and holding the payments made because we refuse to bank with Wells Fargo. Why would a bank with such a dysfunctional bank?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good afternoon, XXXX this message finds you well. 

My name is XXXX XXXX. I have banked with JP Morgan Chase for over 15 years. I have a checking account and Home equity loan with them. In XXXX  during the height of predatory lending, Chase offered me a Home Equity loan of {$150000.00} at a very high fixed interest rate of 8.6 %. The Chase representative did not explain to me that I would initially pay interest-only for 10 years straight, and a fixed amount of {$1300.00} monthly through XXXX. And I had no lawyer in the room to explain to me what I was signing. I recently attempted to pay {$40000.00} into the principal, but was told that even after that payment, my monthly fixed payments would not change until I finished paying off the loan in XXXX. 

For the last 15 years plus, I have paid Chase well over {$230000.00}, at a very high interest rate, but my current balance is still over {$130000.00}. It means over the last 15 years, I have only paid just over a thousand dollars per year towards my principal. I believe this is very unfair and very bad business practice from JP Morgan Chase Bank. 

I have approached the Chase Executive Office many times to come up with a settlement as my contract is not sustainable. They always tell me I signed the contract/promissory note in XXXX, and there is nothing they can do. I have been a loyal customer with Chase all these years, and still in good standing with all my payments. But the contract I have with Chase is very unfair to me. I am a hard working professional, but Chase bank has taken advantage of me. 

I really need help to settle this Home Equity with JP Morgan Chase Bank. Can you please help me? Please! 

With thanks, XXXX XXXX. 
Cell : XXXX XXXX XXXX Home address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, NY, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC
State: FL

Complaint narrative:
We are filing a complaint against both of the following : 1. Equity Prime Mortgage LLC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Our date of application was XX/XX/2021 Our Loan Number is XXXX XXXX Phone Number is ( XXXX ) XXXX Our complaints are as follows : XXXX. There was no NET TANGIBLE BENEFIT to this refinance done by XXXX XXXX XXXX Equity Prime Mortgage LLC ; He did the opposite ; he WORSENED our financial situation. Taking us from a XXXX XXXX to an XXXX XXXX in ANY SITUATION IS NOT FINANCIALLY BENEFICIAL EVER. XXXX has much higher mortgage insurance monthly payments than a XXXX XXXX does. XXXX XXXX CLEARLY took advantage of us. 

2. Our loan did not pass the 3 % maximum fees tolerance. Our Loan Amount was XXXX and there is a 3 % cap on what a lender can charge. That means the maximum lender fees we could incur by the XXXX XXXX and XXXX Laws should have been {$9000.00}. We were instead charged {$8700.00}, plus a {$340.00} administration fee, plus a {$500.00} processing fee, plus {$1100.00} in underwriting fees, totaling {$10000.00}. We were charged {$1700.00} OVER THE MAXIMUM LIMIT ALLOWED BY LAW.

3. We never received a copy of our appraisal. Per Federal Law, we should have received a copy of the appraisal AT LEAST 3 DAYS PRIOR TO CLOSING. 

4. This has caused tremendous financial hardship on us. We were looking to use our equity to get cash out to consolidate our debts, that was the only goal from the very beginning. We never received any cash out to pay off our bills with that we were supposed to get. XXXX kept feeding us a lie that we would get cash back in our Taxes. We filed our taxes and did not receive the cash payouts he had said we would receive. We signed the closing documents because we believed XXXX was being honest, and that we simply needed to file our XXXX XXXX with the Federal Government and we would get our payout in our Tax Refund. Plain and simple, we never got ANY CASH OUT, so we would like the lender to rectify and pay restitution for the financial hardship he has caused us. 

5. We also believe the Title Company who closed our loan should also be held accountable for closing a loan that DID NOT MEET THE XXXX XXXX MAXIMUM RULE. XXXX XXXX XXXX XXXX, XXXX should be held accountable for closing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: NCB Management Services Inc.
State: CA

Complaint narrative:
On XX/XX/2018 NCB MANAGEMENT SERVICE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA NCB MANAGEMENT SERVICE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed several disputes and never received answers to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: PNC Bank N.A.
State: NJ

Complaint narrative:
On XXXX XXXX I opened a dispute with PNC Bank regarding a transaction I had made in the beginning of XXXX. I had ordered something from XXXX, but had never received the item. I contacted the seller to resolve the issue, to no avail, so I contacted PNC. I received a letter the beginning of XX/XX/2022 that said my dispute was denied, and that I could call to request copies of the documentation used when making their determination. I immediately called to request these documents, because I know it is not possible that they have documents showing that I received something, that I absolutely did not receive. I was told the documents were being sent. About a week later I received a copy of the same letter they had sent me, denying my dispute, nothing else. So I called again, and again I was told they were being sent, again they sent me the letter denying my dispute, nothing else. This pattern has repeated XXXX XXXX XXXX XXXX I have been promised that I would receive my dispute packet and XXXX XXXX they have sent me the letter denying my dispute ; nothing else. During all of this I requested the assistance of a supervisor, I received a call from a woman named XXXX. I have spoken with XXXX multiple times, I was advised by XXXX that I should get in touch with XXXX again to see if they could be of assistance, so I did get in touch with them, this time by texting their customer service. I was told by XXXX that a chargeback WAS PAID to PNC Bank, so they couldn t help me. So if XXXX gave PNC my money back- WHERE IS IT?! I asked XXXX about this and she didn t have an answer. She has continually assured me that I will receive the paperwork that their letter tells me I have the right to request, only to receive a repeat of that same letter. This is beyond frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account number ending in XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
My vehicle was repossessed after being late on my payment by a month during a global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a current CareCredit card. expiration date XX/XX/23. Snychrony Bank canceled this card during the pandemic and now I can't use it I have tried three times to get a new card issued without success. I was told in a recent mail that I have tried too many times. I use this card for eyeglasses only. I am in need of new glasses since I have not had a new prescription in over two years because of the pandemic. I used the card, paid if off and left with the feeling that I would be able to use it again if needed. 

I have no vision insurance and this card affords me the ability to get new eyeglasses. 

Please ask Synchrony Bankwhy they are denying me use of this card or why I can't get a new one. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2022 a charge was placed on my account labeled XXXX payment refund Reference Number XXXX. I discovered this on XX/XX/2022 and filed a Fraud Claim online that day. I then connected online with an associate for an explanation of what this charge was. I had never seen XXXX  payment refund on a prior statement and did not know what it was. I was told my account had been hacked and that I would receive a new a credit card in the mail. I received a new credit card and the new card account balance contained the disputed charge. I received a letter in the mail dated XX/XX/2022 stating my claim had been resolved and that I would see the credit on my next monthly statement. On the next statement there was no credit. I called an associate and was informed I would see the credit on my account within XXXX XXXX. This did not happen so I again called an associate and was told I would receive a credit in XXXX XXXX. This did not happen. On XX/XX/XXXX, XXXX I discovered online that my claim had been closed. I still had not received a credit for the fraudulent charge. Again I called an associate and was told that the fraudulent XXXX payment refund charge should not have been filed as a fraud claim. The associate informed me that he would submit it as a costumer service inquiry and that I would receive a letter from Bank of America within XXXX XXXX. I never received a letter so I again called an associate and was told the issue would be resolved within XXXX business days. XXXX XXXX XXXX passed and then on XX/XX/2022 a new claim was submitted. On XX/XX/2022 I received an email that the claim had been resolved and was sent an attachment containing the letter sent to me on XXXX XXXX  The fraudulent charge has still not been removed from my account.

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 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, has violated my rights.

15 U.S.C 1681 section 601 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation