vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: ID

Complaint narrative:
On XX/XX/2022 I offered a 2nd loan with upstart and I accepted the offer just to be denied for lack of on time payments and outstanding balances. This was an incorrect denial due to all my payments being on time and reporting that way and I did not have an outstanding balance because at the time I had made a payment earlier that day. 

I felt as If they engaged in predatory lending which was abusive by offering me more credit just to wrongly decline their offer and they stated due to policy they can not overturn their decision or even take a second look, even though their payment operations center confirmed I had met the criteria they used for the decline. 

I spoke with XXXX a general support supervisor who didnt offer any option to revisit the application and just stated its company policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had XXXX late payment during the XXXX  because my XXXX XXXX webiste was down and their call center did not have enough people to answer the phones. All of my other payments have been on time. Despite this late payment happening during the height of the XXXX Experian refuses to remove the negative mark from my credit report and it has hurt my credit. 

Additionally I XXXX I canceled my paid membership with Experian and switched to their free version they dropped my XXXX XXXX by XXXX points with no explanation. I had no late payments no high balances on my credit cards, and no new inquiries into loans, credit cards or anything that could hurt my credit report. They only thing that changed for my credit was that I stopped using the paid memebership on Experian and they dropped my score XXXX points.

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 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank closed my account without warning yesterday and did not disclose the reason. It's the second time I experience my account being locked by them without reason but the first time they locked and also closed the account. When I called to ask what the reason was for the decision, the two employees I spoke with both said the bank did not leave a reason in their " review '' of my account, and that the decision would mean I would no longer be able to open an account with them in the future. I opened a credit card account with them a little over a year ago which I was experiencing difficulty paying due to unemployment/housing instability. When I became employed earlier this month, I decided to open a checking account with them because I understood this to be the easiest way to start repaying my debt and a show of good faith in my ability to do so with a direct deposit from my employer, a reputable cultural institution in XXXX -- also a client of Chase. They closed my account without warning within a week of my opening the checking account with them -- before I even received my debit card in the mail from them, in fact -- and this is not only putting my ability to pay rent on time at risk but my entire living situation as well since I now don't have a reliable way of making electronic payments. I'm incredibly shocked and disappointed by the bank 's behavior. It's dishonest and borderline criminal, fine print notwithstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My identity has been stolen. I have multiple accounts and multiple addresses and phone numbers that are not mines!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
XXXX XXXX I went to Dollar Bank XXXX XXXX, PA branch to do a deposit. I was notified that Dollar Bank decided to close my account. I sent the attached letter to XXXX. The statements are facts backed by Us codes. I feel discriminated and violated. Also embarrassed because the manager at this particular site was loud an rude. It's apparent that Dollar Bank doesn't value its customers. Yet rather violates them when they " question '' and of their procedures that they deem. See attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Eye have had several car loans with Wells Fargo and been charged an astronomical amount of fake fees, and interest. On ALL the car loans eye put a down payments down which is against UCC laws. The most recent loan eye had with them they repossessed illegally through a third party and my apartment manager had no idea they were trespassing because permission was not given. Eye traveled to where eye purchased the car because legal wanted to see the paperwork. The manager XXXX there at XXXX 's XXXX was recorded handing me my paperwork saying that it's A LOT of fees on here that may not you not understand out of his own mouth. Like a {$7500.00} car and was charged {$21.00} XXXX on a loan. Tjen after using their covid option they tacked on a bunch of more fees. Eye am still holding 2 or 3 low amount checks from XXXX with them admitting to me being overcharged however, eye know the few checks theyve sent does not even scratch the surface of what eye have been charged. Eye have other loans with them eye would like remedy for as well. Counsel says eye have been overcharged tremendously! In my state MO it is against the law per UCC laws to do a repossession on private property without the landlord knowing. My car was in total disarray once obtained. XXXX is not being honest or acting of integrity! They aren't taking responsibility for all the turmoil they have bestowed upon me. This loan is currently reporting to the bureau incorrectly. Eye will try this last attempt to get this corrected with XXXX and then will proceed with claims for Defamation Of Character.

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 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Today. XX/XX/2022, I contacted GM Financial to make a payment on my new vehicle loan. The past due balance was more than it should have been. I reached out to a customer advocate to pay a payment of {$540.00} online. I just paid over {$900.00} on XX/XX/XXXX to become current. They did not correct the amount that was past due, and ignored my request. They went straight to asking me when I could pay. 
Also, today I addressed my concern with the negative effects with marking late on every month, which was not correct, on my credit, which I have paid and made payment arrangements. I was also ignored for my request to fix my credit report. GM has completely destroyed my credit and my ability to refinance or trade in my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My brother passed away and I took over the home. The default in XXXX, XXXX resulted from my loss. I have sent my application and paystubs to my lender. I then called my lender today, XX/XX/XXXX and I was told that I was not under review. I was told that in order to be reviewed I had to speak to my assigned representative. I was told I had to make an appointment to speak to him and could not be transferred today. The first appointment available to me was XX/XX/XXXX between XXXX XXXX. The court has set a non jury trial for my foreclosure case on XX/XX/XXXX. Due to having to wait until the day of my court date to begin a review makes me unable to try to resolve my issue before I XXXX be issued a sale date. I would like a fair review to begin as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXXXXXX 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 XXXXXXXX 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 bankruptcy petition Reference Number : XXXX Record Type : XXXX  XXXX bankruptcy discharged Reference Number : XXXX Account Name : DEPT OF EDUCATIONXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
i called and was told thaty it was not able to take it off my consumer report when i nerver gavwe know XXXX permission to use my info

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 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested my free credit report from TransUnion in XX/XX/2022 via the XXXX website. TransUnion delayed providing me with my free annual credit report. I received a post card in the mail requesting that I verify my address with TransUnion before they released my credit report. The request required that I provide them with two forms of address verification with my current address. 

I contacted TransUnion to discuss the matter and verified my current address on XX/XX/2022. The representative refused to accept my information and proceeded to threaten me with disconnecting the call after I provided him with my current address multiple times. 

TransUnion is engaged in unscrupulous business practices. 

Homeless individuals should be given access to their credit reports notwithstanding their ability to verify their current address. 

In order to resolve this complaint I am requesting a free copy of my TransUnion credit report in earnest.

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 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Today, XX/XX/2022, I received an alert in my mobile banking app ( Capital One ) that I am unable to withdraw funds from my account and to call XXXX. When calling this numbers and going through necessary prompts, it directs me to customer protection resolution team. However, the only option I have is to leave a brief voicemail that contains my name, account info, and phone number. The recording then goes on to say that my message will be reviewed and IF NECESSARY, I would get a call back within 48 hours. Here I am trying to resolve whatever the issue is with my account ( an issue that I know nothing about ) and Im left with leaving a voicemail that apparently has not even been answered. My account does not have any suspicious transactions so Im clueless. I cant reach a live person because each call sends me to the same number. I have a small child and I need access to my money. Capital One has yet to reach out via call, email, or even through the app.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I began questioning this organization in XXXX of 2022 and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 2nd time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2022-12-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
hello paypal. 

i need you help me to enable the option for withdraw the money. 
Everytime i get the option for withdraw my money the system is place over and over a new limitation on my account and is already pass 180 days. 
PLEASE HELP TO RESOLVE THOS LIMITATION : XXXX OVER 10 MONTHS XXXX XXXX XXXX Just help me to enable the option for me be avalible to withdraw my money please. 
this situation is fustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, my company had several bank checks stolen from the XXXX XXXX XXXX. Three of those checks were cashed by someone at a Wells Fargo Branch somewhere in XXXX XXXX. The total of the cashed checks were around $ XXXX. The checks were written to major corporations and had bad endorsements and one had no endorsement. Obviously, Wells Fargo is at fault for cashing the checks without proper identification or verification. Wells Fargo has yet to reimburse us for the theft.We are currently working with our bank, XXXX XXXX XXXX XXXX, to get reimbursed, but apparently Wells Fargo is not responding. I dont know how a {$32000.00} check to XXXXXXXX XXXX  could be cashed by an individual without verifying the identity of the person presenting the check, let alone cashing a check made to a corporation. Obviously, there are serious compliance and XXXX issues at this Wells Fargo Branch.

I have submitted all the evidence and requested documents to my bank several months ago. My bank forwarded all the documents to Wells Fargo accordingly.tg

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 2022-12-29 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: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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