vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo has been violating my rights as a natural person and federally protected consumer under 15 USC Chapter 41. They have been claiming to be the creditor and claim that I owe fraudulent debts. I am the Original Creditor- Per 15 USC 1602 ( g ). I sent an Affidavit of Truth to them ( attached ) via certified mail informing them of the violations ( & proof of each- which are attached ) they have committed that have caused much harm to myself, reputation, and overall quality of life. The Affidavit of Truth was received on XX/XX/2021 ( as shown in one of the attachments ) and they responded with the letter attached and dated as XX/XX/2021. I did all steps needed to exercise my rights and Wells Fargo is not complying. This is not my debt to pay back!

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The statute of debt limitation on collections and chargeoffs in the state of Tennessee is 6 years. The statute of debt limitations on collections and chargeoffs under the Fair Credit Reporting Act is 7 years. These accounts have been disputed with the credit bureaus to come back verified and that can't be true as these accounts have not been active since XXXX and XXXX. There are XXXX accounts on my credit report that are due for deletion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The statute of debt limitation on collections and chargeoffs in the state of Tennessee is 6 years. The statute of debt limitations on collections and chargeoffs under the Fair Credit Reporting Act is 7 years. These accounts have been disputed with the credit bureaus to come back verified and that can't be true as these accounts have not been active since XXXX and XXXX. There are XXXX accounts on my credit report that are due for deletion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 I booked travel using rewards points, the purchase came to XXXX XXXX. On XX/XX/2021 we received notification from the rewards group that our flight was canceled and we would be reimbursed the points used in the booking.

Almost 6 months later and over 10 phone calls and over 20 hours in total, the rewards department only reimbursed XXXX pts. No one, including the supervisors can explain why so little was reimbursed and keep transferring from one department to another. The departments we are transferred to say that they are the wrong department. It seems like we have no other recourse, but to file a complaint for the theft of {$2900.00} which is the monetary value of the missing points. Please help us resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
TORRID COMENITY XX/XX/XXXX payment {$38.00} XXXX {$2.00} payment XX/XX/XXXX payment of {$5.00} Every time I call and request to cancel the card and every time Im told it is cancelled but that Ive accrued a dollar or two of interest so every time I pay it and every month I get another bill. Cancel my card or I will take legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was scammed, i was trying to buy a puppy and the scammer ask for my information I had XXXX taken out of my account. XX/XX/2021 zelle payment. I calle my Bank and I received response today they will not do nothing I had my account for 11 years and never had this issue. I have reached out to the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
I bought a car from XXXX in XXXX of XXXX. I made a downpayment of {$9900.00} and financed the rest of the costs. 
On XX/XX/XXXX I signed a contract with XXXX setting up auto pay on the loan. I have included the entire contract, attached here. The relevant pages are XXXX and XXXX. 
On XX/XX/XXXX I received a confirmation from Bridgecrest, stating that the auto payment was set up. The email is titled " Enrollment in Bridgecrest Autopay. '' It was sent by Bridgecrest customer service. I have included a copy of the email, attached here.

That's the last I heard from Bridgecrest. I see now that they never deducted any money from my account. They say they sent me emails regarding payments past due, but I did not receive them. Perhaps they went to my spam folder. 

On XX/XX/XXXX, Bridgecrest repossessed my car. They towed it off my street. I was stunned. I thought the car was stolen. I have a near perfect credit score. I've never missed a payment on anything. 

I've spent hours since trying to sort it out. First with the police, then with XXXX and Bridgecrest. Bridgecrest blames XXXX and XXXX blames Bridecrest.

I would like Bridgecrest/Carvana to repair the damage done to my credit. I would like Bridgecrest/Carvana to contact all the relevant credit companies and to send me copies of letters sent. I would like the fees and fines I paid to Bridgecrest refunded to me. Additionally, I would like to be reimbursed for my time and travel. 
I had to travel from my apartment in XXXX to XXXX NY to retrieve my car. It took all day. 

My credit score, which was XXXX, is now XXXX. XXXX and Bridgecrest 's mistake could impact me for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
We just closed a house with Pentagon federal credit union yesterday ( XX/XX/2022 ), we have been very frustrated with the whole process. The loan officer whom we worked with, XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) was incompetent and rude. She made a mistake locking the mortgage rate for us for only 30 days, days before the listed closing date. And then she charged us for a fee for the rate extension. In her email, she told us that we will be receiving a credit, so we don't have to pay the fee ( email attached ). However, we never received the credit. 

She sent us multiple closing disclosures with errors. The night before closing day, we still didn't see the credit being added. She said she was going to fix it in the morning of closing day, but she never did. We called her multiple times and left messages and emailed her many times, still couldn't get hold of her. She just disappeared. We decided to just go ahead with the scheduled closing in the afternoon and solve this later. After closing, she sent us an automatic " Thank You '' email, but never responded to our multiple requests to solve this problem. Normally, loan officers will walk you through the closing disclosure and explain to you the numbers, but XXXX never did anything like that. We had never been able to talk to her over the phone. She kept sending us documents with errors and we had to check it all the time. It was a very frustrating and stressful process. 

Whats worse, the loan processor who worked with XXXX has requested the same documents again and again, even 2 days before closing. We had sent them XXXX documents in total and had to go through a conference call to prove that we paid mortgage for our current house ( we literally thought it was a scam call ). My husband and I both have credit scores of XXXX, we autopay our mortgage. The level of scrutiny on their part and the lack of professionalism is unfounded in the mortgage lending industry. 

We don't know how other loan officers at PenFed are, but we've had a horrible experience. We will not use PenFed for any mortgage needs in the future.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXX/XX/XXXXXXXX Balance : {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX XXXXXX/XX/XXXX XXXX Balance : {$0.00} Date Opened : 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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.

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 2022-01-05 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: LA

Complaint narrative:
Wayfair. Account closed continued charges with them not providing justification.

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 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Starting at XXXX a.m. and again at XXXX p.m. EST, phone number ( XXXX ) XXXX XXXX and ( XXXX ) XXXX XXXX called my personal cell phone XXXX times ( came up on my SPAM blocker and then XXXX times at XXXX p.m. This is ridiculous and bothersome. I have answered and asked before for them to not contact me. The numbers change, but it's the same company. I have the call log on my SPAM blocker to prove the excessiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello I spent XXXX hour on phone with Capital One and they refused to help me get a payment extension for the XXXX car loans i have. 

One loan that ends in XXXX with a payment of XXXX and the other Car Loan that ends in XXXX with a payment of XXXX. 

I asked to skip XXXX 's payments for both cars due to getting covid and having complications from covid. they kept telling me to just pay the amounts 7 days after the due date. I kept asking why they wouldn't give me an extension for both car loans and then they said we are going to get you to a manager to assist you. I waited and waited and then they hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
credit card has been paid in full. but it was just updated to my credit report and im not agreed to that because i didnt want that. what i would like is to be totally removed from my credit report thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of Identity theft and have attached my credentials and a report to be sent to the companies.

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 2022-01-05 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: AZ

Complaint narrative:
The Following accounts have been disputed several time through out 2021 last disputed XXXX/XXXX/2021. The accounts were marked as verified. However the information his not accurate, complete or even update. None of the information is the same across any of the 3 credit bureaus XXXX XXXX XXXX Status date is wrong, payment history is wrong, missing data for several different months, but then reports again. 
XXXX XXXX XXXX  XXXX there are 3 different accounts listed for Transunion and XXXX I have called the courts, spoke with a judge. They agree that this should not be listed in my credit report. My oldest son is XXXX however there is not XXXX  years of payment history. 
The monthly amounts are not correct, The status dates are not consistent, Payment history is in accurate and incomplete. XXXX shows collection out of the blue with no prior payment history. 
Dept of EdXXXX Status updated is wrong and inconsistent, payment history is inaccurate/incomplete, no consumer statement that it was disputed

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 2022-01-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Following accounts have been disputed several time through out 2021 last disputed XX/XX/2021. The accounts were marked as verified. However the information his not accurate, complete or even update. None of the information is the same across any of the XXXX credit bureaus XXXX XXXX XXXX XXXX date is wrong, payment history is wrong, missing data for several different months, but then reports again. 
XXXX Co XXXX XXXX there are XXXX different accounts listed for XXXX and XXXX I have called the courts, spoke with a judge. They agree that this should not be listed in my credit report. My oldest son is XXXX however there is not 9 years of payment history. 
The monthly amounts are not correct, The status dates are not consistent, Payment history is in accurate and incomplete. XXXX shows collection out of the blue with no prior payment history. 
XXXX XXXX XXXX Status updated is wrong and inconsistent, payment history is inaccurate/incomplete, no consumer statement that it was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XXXX XXXX, 2018. The bureaus reporting is Experian, XXXX, and XXXX. Thank you!

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 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
We closed a home loan with Caliber home Loans in XX/XX/XXXX ( first mistake ). On XX/XX/XXXX we get a notice that our ACH has been canceled and in a separate envelope, we had a mortgage statement asking for a payment. I called Caliber ( spent 9 min getting through all their prompts trying to get to a live agent ) and inquired about our loan status and ACH. Our account online shows as active and the next payment is due XX/XX/XXXX ( which has me confused since they just mailed me a statement asking for payment ). Additionally - our online account with Caliber shows no indication the loan has been sold and will still allow extra payments. I was then told ( by the agent ) they are sending me a check ( in about a month ) for our escrow balance and I had to figure out what to do with that money with the new mortgage provider XXXX? I understand loans get sold but we have had no communication related to the sale, our online account with Caliber is still active and allowing payments, no clarity on why escrow was not transferred over and we have no information or communication from this new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
haven ; t received a statement or debit card.the account was ttaken over in the financial crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$490.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Completed payments of Chase auto loan as agreed as XX/XX/2021. Had not received the title to my vehicle. Made numerous attempts to resolve the situation with Chase directly, but had been unsuccessful. Chase agents simply refer me to XXXX and the XXXX agent state the is a lien on the vin number.

Company response to consumer: Closed with explanation