vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I XXXX XXXX paid a merchant to provide hair services on XX/XX/22 in the amount of {$80.00} deposit fee. Services were never rendered. Her phone number is XXXX. Her address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX la.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo 's practice is false and misleading. On XX/XX/2022, I received an email that stated that we were clear to close on XX/XX/2022 at XXXX in XXXX MA XXXX I received a phone call from the loan originator, XXXX on Monday XX/XX/2022 at XXXX, less than XXXX hours before the closing. She stated that the loan will not be released because of the information provided HOA form. My attorney, XXXX XXXX XXXX proved that the provided information was false. Wells Fargo suggested that I reapply with the understanding that the HOA would be properly completed. The problem this time around was that she said that Wells Fargo declined the loan because the fees were too high given the loan amount. 
However, she also mentioned the poor condition of the roof which has nothing to do with my credit or ability to repay the loan. There were no legitimate reason/s to decline the loan. It should be known that multiple mortgages were released within the same condominium complex. My attorney and I pleaded to Wells Fargo in attempts to have them reconsider to no avail.

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 2022-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I was in the process of completing my home purchase through Newrez LLC I had closing date of XX/XX/2022. On XXXX XXXX Newrez fired their entire XXXX office in the middle of processing. My loan was being processed using down payment assistance programs and Newrez had one person in their XXXX office that processed these loans and he was terminated with the rest of the office. They have no one that is certified to complete this process and I am now going to loose the house I was in the process of purchasing. I have no recourse, they will not return phone calls they are giving me the run around and I will be homeless in 3 weeks. The loan officer XXXX XXXX, has been willing to complete the process but they have no clue what they are doing or who is even doing what. There are 100 's of other clients that are in the same process. They were literally awaiting paperwork to cut a check. Someone needs to complete the process of my home loan and to stop giving myself and everyone else in this process the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: GA

Complaint narrative:
On XX/XX/XXXX I received letters in the mail indicating that a bankruptcy on my credit report was validated. The credit bureaus ( XXXX, Equifax and XXXX ) and XXXX XXXX failed to provide documentation stating where they are validating their information. The XXXX XXXX XXXX Georgia verified that they did not provide any information to third parties regarding any bankruptcy in my name. In addition, they validated that placing public records from PACER onto an individuals credit profile is illegal and UNJUST. According to the Fair Credit Reporting Act 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. Investigation must include providing documentation and/or proof of the process in which information is validated. My rights are currently being dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a XXXX XXXX XXXX XXXX, like an XXXX and I take payments using XXXX, which is owned by PayPal. It has been a week and they refuse to let me transfer my payment to my bank account. They have frozen my money saying that they need further information about my business. I have called them twice to resolve the matter and they say they will release my money but they still won't do it. They say they need documentation to show who my vendors are. I do not have vendors as I do not sell a product, I provide a service. I desperately need this money especially after the hurricane ( Ian ) that just hit Florida. All I get is a runaround. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My phone number was stolen by others on XX/XX/2022. My phone was out of service started that day. I contacted my XXXX company while was informed my XXXX account was stolen by others. I was advised to lock my bank account. Then I locked my bank account through the phone. However, I received an email which indicated that someone opened a new account under my name and changed my mobile account information ( passwords and email ) on XX/XX/2022. 
I contacted Bank of America immediately and told them to close the new account. I was informed the new account was closed. 
At the same time, I reported this issue to the police, however, was not accepted by the police officer due to lack of evidence. 
I went to the BOA onXXXX to update my phone number and email. I checked my account the same day then found out my money was still in my account. While I discovered the account that I requested to close was still available. I requested to close the account again, but was informed they can lock the account instead of closing it. Furthermore, I was informed all my accounts were locked and my accounts were safe. 
On XX/XX/2022, I checked my account again but found all my account balance became XXXX! I went to BOA and found my money ( XXXX ) transferred to the new account which was not opened by me! In addition, the amount of money ( around XXXX ) under the new account was transferred to someone ( I dont know ). I did not receive any help from the staff and was informed to file a complaint. I requested to withdraw all the rest of my money! But got rejected! They even cant promise my money can still stay in my account. 
On XX/XX/2022, I went back to the bank for help and successfully withdrawn all the rest of my money. However, the XXXX was transferred out to someone through XXXX! Bank of America was not willing to prove any evidence or letter for me to report to the police! I was informed to wait for another department at their bank to send me a notification letter. But I waited for 1 week but did not receive anything!

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 2022-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
I am locked out of my MOHELA account. I had saved the password for my browser, so I am sure I did not incorrectly enter it. I tried to go through the online password reset, but when putting in my date of birth and social security number, I am told I do not have an account. When I go to register a new account though, it says my account already exists. 

I have tried calling customer service on XX/XX/30 and XXXX, but the phone hangs up automatically while on hold at the 90 minute mark ( or before ) without ever connecting me to anyone. There is no other contact info. 

Given the ongoing student loan climate, being able to access my account is critical and MOHELA is making it impossible to receive help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I had an auto loan with Ford XXXX for several years ( XXXX ). I paid this loan off in XXXX. I recently pulled my credit and realized that Ford is reporting several XXXX and 90 day late payments when this is not the case. I had one incident in XXXX when I had restructured my loan as I knew there was a job loss and was approved for this. I was told the car payment would not be reported late during this time. I contacted ford and received a print out of all payments including days late etc. This print-off shows XXXX payments with 30 day late payments. I inquired with Ford multiple times to fix this and was directed to go through a credit dispute process. I have disputed this and Ford will not correct. I have been stuck in a circle with no resolution and a suffering credit report that is preventing me from getting fair rates in general, but most importantly, a home loan. The mortgage rates have now raised while I deal with this issue and, as a result, we will experience a MUCH higher mortgage payment. This has impacted me in several ways and I'm very frustrated that Ford will not do accurate reporting and has tasked the consumer with fighting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: CA

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score 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 2022-10-03 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: CA

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
I got a student loan for school because they told m they had evening classes for when I went back to work. It is a FFELP loan and the person I spoke to told me I can't be eligible for the President 's payment pause because it's NOT federal which it is. I can not get my transcripts from the school because I haven't paid off the loan. This is from 2007 and so far have paid over XXXX to this school for 3 months of school because they had NO night classes. I just want someone to help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : 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 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 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 XXXX 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 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Truist Bank closed my credit cards without any explanation whatsoever. I was approved for XXXX different credit products from them. I went to the branch and showed my ID because I applied online and they had a block on the account until I provided my ID. The block was released and I was able to use my cards. A month later, I was not able to use any of my cards at all. I kept calling customer service and they kept telling me a special department was handling it and they were evaluating the relationship between Truist and myself. They also said I would receive a decision/letter on the status and I havent received anything. This was 4 months ago. I feel like Truist has discriminated against me because of my gender and race. This type of behavior is unacceptable! 
The account in question are XXXX. XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX I was even discriminated against when I opened a business account, I was approved for a line of credit and then out of no where, it was closed. This is after I signed paperwork and it was funded to 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 explanation
Consumer complaint received 2022-10-03 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: NJ

Complaint narrative:
Bank of America sent me a letter last week stating that they will be closing down all my accounts. 
This is outrageous I have been a customer of the bank for over 5 years and have never been involved in any form of shady transaction I need full explanation as to how this happened

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 2022-10-03 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: NJ

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-03 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: GA

Complaint narrative:
On XX/XX/XXXX I received letters in the mail indicating that a bankruptcy on my credit report was validated. The credit bureaus ( XXXX, XXXX and Transunion ) and XXXX XXXX failed to provide documentation stating where they are validating their information. The XXXX XXXX XXXX Georgia verified that they did not provide any information to third parties regarding any bankruptcy in my name. In addition, they validated that placing public records from PACER onto an individuals credit profile is illegal and UNJUST. According to the Fair Credit Reporting Act 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. Investigation must include providing documentation and/or proof of the process in which information is validated. My rights are currently being dismissed.

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 2022-10-03 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: GA

Complaint narrative:
On XX/XX/XXXX I received letters in the mail indicating that a bankruptcy on my credit report was validated. The credit bureaus ( Experian, XXXX and XXXX ) and XXXX XXXX failed to provide documentation stating where they are validating their information. The USBK Court Northern Georgia verified that they did not provide any information to third parties regarding any bankruptcy in my name. In addition, they validated that placing public records from PACER onto an individuals credit profile is illegal and UNJUST. According to the Fair Credit Reporting Act 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. Investigation must include providing documentation and/or proof of the process in which information is validated. My rights are currently being dismissed.

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 2022-10-03 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: LEXISNEXIS
State: GA

Complaint narrative:
This company is violating my consumer rights. I submitted a dispute regarding an inaccurate bankruptcy for which is being reported to the credit bureaus. The company failed to provide documentation stating where they received their information from. Rather, they claimed unable to authenticate dispute initiated on behalf of consumer which is also inaccurate. The company continues to fail to remove the negative false information pertaining to a bankruptcy from my report. In addition, the courts verified that they do not submit consumer information to third parties. Therefore this company is gathering information and inaccurately/illegally reporting it. Public records, specifically ones that are inaccurate, do not belong on credit reports. My rights are being violated. According to the FCRA law 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. This company is doing illegal activity, harming my credit worthiness in the process.

Company response to consumer: Closed with explanation