vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my diaper bag was stolen from my car. As soon as I found out cancelled all my credit cards and debit card and got them replace. A week later on XX/XX/XXXX Chase branch XXXX and XXXX here in XXXX TX called me saying someone had tried to cash a check with my driver license and that the person saw they were taking long and run away. The person left my identification and check with them but had already cashed 2 checks with them.The Chase manager from that location recommend me to go the nearest location and get this resolve. I went to a XXXX TX location and the person who help me made a new account and they transfer all my funds from the old account to the new account. The next day on the XXXX of XXXX chase had already taken out my money away from the 2 checks the theft cashed. How was it possible for the teller to cashed the checks with my ID to someone else, that person didnt do her job right! Chase decided to closed my new account as well and left me with no money, they said Im going to receive a check when ever they think the issue is resolve. I need my remaining funds plus the returned checks that I didnt cashed. I have bills to pay and its already XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Foursight Holding LLC
State: KS

Complaint narrative:
On XXXX I was contacted by foursight Capital for my car payment and I already had an extension in place and the representative did not explain that I needed to accept it online. So I continued to receive collection calls every other day. 
On XXXX I finally told the new representative that there was no notice on my acct and that my new payment was already over {$1000.00}. This representative was speaking so fast and not listening to anything I was asking and just kept trying to collect a payment and not hear me out on my payment arrangement. I told him I can pay on XXXX when I get paid. He noted it. I get a call on XXXX from a new rep trying to collect a payment. I told him I already spoke to someone and set up a pay date and dont know why they are calling and trying to collect on me. They said a note was to call me today and I told them I left no such note and to check the notes. The rep did and apologized and I flat out told him that no one is following notes and they are violating abusive lending which I am protected by. I asked to speak to upper management or someone in legal and he refused to direct me to someone and told me what are you gon na accomplish with that? At this point I am just appalled at the lack of education on violating protections to consumers and their overall customer service. 
I get a call on XXXX which I assume is my follow up but I am at work and this is at XXXX! 
I get another call again on XXXX since this was my pay date and yet another rep is pressing me to get paid and I asked if he was calling me referring the note to speak with upper management and he said sir I dont deal with that I just need a payment. I told him until I speak to upper management or legal than I wont speak to a serve representative. This representative also stated well sir I am not educated on all that and it sounds like you need a lawyer. I asked him if this was him giving me legal advice and he started backing on his words and the representative was rude and also refused to transfer me to management or someone in legal. He continued to try and collect a payment and not follow my directions and I have also asked to be removed from automatic calls and they stated that can not be done. 
This company refuses to follow any lending laws and refuses to take proper notes and have a severe lack of professionalism and only care about collecting and dont ever want you to be escalated to management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK
State: CA

Complaint narrative:
I contacted First Bank XXXX XXXX  ) on XX/XX/XXXX  about multiple unauthorized charges on my account. The amounts totaled XXXX and were charged to my debit card. 

These amounts were disputed and I received a new debit card in the mail. However on XXXX I logged into my First Bank account and noticed that the account was closed. 

I received a phone call from my local branch indicating they refused to dispute the fraudulent transactions and that they were closing my account. 

There was no other communication in writing indicating the reason nor any supporting documentation. First Bank refusing to resolve these unauthorized charges are a violation of the agreement between the card issuer ( VISA ) and the backing bank. 

Additionally per the First Bank user agreement account holders are not responsible for transactions that are not authorized and/or fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC
State: MO

Complaint narrative:
I purchased a Solar Panel / Battery Back up System ( System ) from XXXX XXXX XXXX which was financed through Sunlight Financial. Sunlight Financial sold the financing to XXXX. The System did not work and it was determined by 9 State Attorney Generals that the marketing, selling, and installation of the System was fraudulently done by XXXX XXXX XXXX. The 9 AGs sent a letter to XXXX XXXX XXXX and Sunlight Financial that they should not collect any money til this was resolved and the systems either fixed, removed or the money refunded. 

In the meantime, XXXX XXXX XXXX went bankrupt. I stopped payment on the system based on the system not working and the letter from the Attorney XXXX and XXXX XXXX XXXX not completing their work to make the system functional. XXXX placed a lien on my home. I went to court and the court agreed that the XXXX is not part of the house but is XXXX XXXX ; therefore the XXXX on the house should be essentially null and void ; however, XXXX won't remove the lien. 

XXXX then trespassed onto my property and had a lock installed on the System which rendered System useless ; no electricity was generated from the Solar Panels and the XXXX Back up did not store the energy for use if the power went out. This also cut all power to XXXX circuits which were identified as " critical circuits '' including the XXXX XXXX and the Refrigerator. Thus the XXXX XXXX and my refrigerator stopped working immediately. As a direct result of this action by XXXX, my basement ended up with over XXXX ' of water and over {$110000.00} in damage to my home. 

All the while XXXX claims that I still owe them {$50000.00} for the XXXX that doesn't work. I engaged an attorney and have asked XXXX to come get the XXXX. They refuse and won't address the critical issues such as the damage their actions directly caused. I am giving them one last opportunity to resolve this before filing a lawsuit against them to collect the money from the damages they caused. I am planning on getting the XXXX XXXX involved in this litigation, too, if XXXX doesn't come to their senses. I've contacted the original XXXX XXXX, Sunlight Financial, and they ignore my concerns. Several calls have given the standard answer of " we're looking into it and have received your complaint. '' But nothing ever moves forward. Both XXXX  and XXXX XXXX say that both companies are familiar with each other and the complaint I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/23 while attempting to purchase items from a gas station, my phone and other personal items were stolen. My phone wadny locked at the time. The thief completed 2 transactions before I could disable to device. One for {$1.00}, followed by a second for {$1900.00} ( clearly fraud ) which emptied my account. I filed a claim with Chase bank. However the claim was denied. When I asked what specific evidence I'd need to appeal, they could not provide me with specific info. I've submitted info from XXXX as well as my Police report. They refuse to reopen my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I have been contacted repeatedly by phone and email daily. This account was closed properly and was continuing to bill my credit card. I cancelled the card and immediately began receiving threatening calls from this debt collector. I have requested several times for documentation and proof the account was open. All were ignored. If possible I would like to pursue them as my credit report was affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Received notification that I have had an identity theft. A bank account with TD bank was opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase has permanently banned me from being able to open an account with them again. 
This came after the closure of my business account. My business account ( XXXX XXXX XXXX XXXX ) during the month of XX/XX/2020 received a check from unemployment with someone elses name on it in the amount of {$710.00}. I explained I do not know the individual. I did not touch the money. My account closed with over {$6000.00} in as the balance. My money was seized by Homeland security and sent to Asset Forfeiture. This came only after several attempts to prove that the funds in the account belonged to me. I was able to prove this by stepping into a branch with a branch manager at that time. I sent over my paystubs from unemployment which should have released the hold on my funds prior to them being seized for fraudulent suspicion. This was done in XXXX of XXXX. I put in multiple claims for my money and chase forwarded me to Homeland Security. I then reached out to Chase Executive Branch in XXXX where I had created 7different Claims over the same situation and how it impacted me negatively Not only taking my Money but also Denying me access to open me an account again with Chase which I needed to receive my checks. 

I would like to Be able to Open a account with chase again along with getting back my money they released to Homeland security after being able to verify that those funds were indeed legit and made out for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: IN

Complaint narrative:
I disputed the false items on report 60 days ago an there are all still on my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway, I am requesting that those charges be 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 2023-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
I had requested a refund of payments made during XXXX. This was totaling over {$5000.00}. I originally made this request XX/XX/XXXX. After a few months, I contacted the company for a status update and they told me the checks had been lost in the mail. They had to cancel the checks and submit a new request. Then, a few months later I moved so I contacted them to change my address. They said these checks would not be mail forwarded and canceled my request and opened a new request ( again ). That was in XXXX of XXXX. It is now XX/XX/XXXX and I have not received anything. The balance has been back on my loans for months. every time I contact the company they tell me they can't give me a timeline for when I will receive my checks. It was originally to be direct deposited back to my checking account but they said they would send a check. The balance being back on my loans is affecting my credit report and I have received no money to account for this change on my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2023, at XXXX, I transferred my cryptocurrency asset XXXX  ( XXXX ) for the amount of XXXX worth from my Coinbase Wallet to my primary Coinbase account. A few days later on XX/XX/2023, I attempted to send my XXXX asset to an external wallet ( XXXX  ) or back to my coinbase Wallet but the asset kept failing to send. On XX/XX/2023, I contacted Coinbase customer service and spoke with a representative that couldnt give me a response as to why the asset wasnt able to trade or send out of my primary Coinbase account. I have contacted Coinbase numerous times and have spoken to several representatives that seem to be giving me the run around on this issue with my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC
State: TX

Complaint narrative:
My mortgage is held by Citadel Servicing Corp, dba Acra Lending. 

I've been told by customer service via email that " your account does not qualify for interest on escrow as this is a state by state requirement and the state of Texas does not qualify to have an interest on escrow. '' This is a predatory practice. I'm reporting this as a complaint to the CFPB because homeowners in Texas are being taken advantage of. We are being charged exorbitant interest expense on our home loans, while not being paid interest on our escrowed funds. This makes no sense and is tantamount to theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
As part of temporary public student loan forgiveness ( tpslf ), loan companies are supposed to count qualifying payments on XXXX loans prior to consolidation and XXXX forgiveness when XXXX qualifying payments are reached. I consolidated to XXXX loans in XXXX and applied for XXXX in XXXX of XXXX. My qualifying payment count under the waiver updated in XXXX of XXXX but only includes payments on XXXX loans back to XXXX despite paying on these loans without interruption since XXXX. I began the process to try to correct this last XX/XX/XXXX. I contacted MOHELA, my new loan servicer and was told I needed to wait for updates for counts to include all eligible waiver payments. When nothing updated after 4 months, I contacted them a second time on XX/XX/XXXX of XXXX. I was told they would reprocess my tpslf application but it would take another XXXX business days to get counts accurate. I contacted the company again in XXXX of this year and was told I needed to wait the full 90 days, So after XXXX days when nothing happened, I contacted them again in XXXX and was told they werent sure why they didnt update or what happened, so they would count them again and I needed to wait another XXXX business days. I waited, contacted them in XXXX after XXXX business days, and still no update. Then I was told I needed to submit another form to get credit for my work during years XXXX. I did this, and my counts updated a little to XXXX, but this was never the issue. I should have over XXXX qualifying payments if they counted my payments to XXXX XXXX, which date back to XXXX. I have sent payment history that I received from XXXX  ( servicer of former XXXX loans ) to XXXX XXXX, I have uploaded it to the website, I have submitted a reconsideration request to XXXX, I have contacted MOHELA 5 times, and they still have not resolved my issue. I began this process of forgiveness almost XXXX years ago when I consolidated my loans in XXXX. I have waited through countless business days of reprocessing. This issue should be resolved by now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: CT

Complaint narrative:
TransUnion is reporting Fraudulent information about me. I have sent several documents and created several disputes to resolve this matter. In a phone conversation yesterday A TransUnion representative informed me they never received a complaint that was Made by Me through CFPB. This is my second attempt at this complaint. I want all the listed information Blocked, and or deleted from my TransUnion Consumer report. 

Please see attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: TX

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 XXXX XXXX XXXX. 

The letters are stated with items and issues.

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 2023-08-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received emails with personal loan offers that clearly stipulated that finding out my " rates '' WILL NOT affect my credit score as it won't be a hard inquiry. If I decide to go through with the application and select a loan product, then that's when the hard inquiry will occur. 
Well come to find out, they accessed my credit report ( hard inquiry ) without my concern, especially since I didn't select any of their personal loan offers given the sky high interest rates. I'm shocked to find that they have pulled my credit, and used it in ways I NEVER consented to. This includes Wells Fargo, 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 explanation