vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: MN

Complaint narrative:
I began receiving phone calls from this phone number ( XXXX ) XXXX - looked it up on line ; XXXX XXXX XXXX - XXXX XXXX. My Credit is wit showing no debts owed via all XXXX credit reporting agencies. I have voice mail - there are no voice mails left. Just persistant calls at XXXX AM. 

XXXX has helped me in the past with eroneous claims of my having vehicles- which I have none. I do have a person that was using my address and has never lived here before ; and this person has used my address for Minnesota Vehicle License and Title. I contacted the XXXX with emails - they validated that this person uses this address, and I am not on any vehicle title or license. This person also using my address has a vehicle loan using this name- the loan originator was contacted as well on this anomoly. 

The call # is validated with XXXX- no spoof call. I doubt they are reaching out to tell me they have money to give to me. If this company can stop contacting me- it would be greatly appreciated. Looking this phone # up - there has been no communication via any correspondence - and these calls stated XX/XX/XXXX and XXXX of 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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
lexis nexis is reporting for XXXX on my personal information without my permission violating USC codes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed a complaint with you regarding inability to activate my card. US bank left me a message yesterday saying they believed they had a solution to my problem. The woman asked me to call back at :. ( The line went silent ). I called the number she had called me from and was put on hold listening to obnoxious modern country music for half an hour. I hung up.

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 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/21 I bought a paintball gun on XXXX and I disputed the charge of {$830.00} because the gun was not working and I got scammed by the seller selling me a broken piece that is not usable. Wells fargo gave me my funds back then sent it back to my account. I was apart of a scam and fraudulent activity on XXXX. My account was over-drafted and wells fargo still charged my account. The seller would not take the item back and even promised to return some broken parts to me but never did.

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 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Professional Account Management on behalf of the XXXX XXXX  and XXXX XXXX to collect a delinquent debt of XXXX. The letter stated that I had a toll violation on XX/XX/XXXX. When I contacted Professional Account Management the first customer representative placed me on hold and hung up. I then called back and spoke to XXXX who informed me that I had XXXX debits with the XXXX XXXX and XXXX XXXX for not paying a toll balance. I explained to him the error with my transponder and informed him that the error had been cleared up with the XXXX. I also explained to him that a payment in the amount of {$18.00} was mailed to them on XX/XX/XXXX. I then requested to dispute the debt and requested validation of the debt. XXXX refused and stated that he did not have to send the debt back and demanded payment. I referenced the Consumer Protection Laws, but he still refused to assist me. I informed him that I was filing a complaint with the CFPB and at time he changes his tone. I am not sure if they will validate the debt and worried about a false debt being placed 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 explanation
Consumer complaint received 2022-01-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My credit report shows 19 inquiries made in the last 120 days. These are inquiries I did not approve. The companies are listed on my report as XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, SYNCB on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX TV on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, SYNCB WALGREENS on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX card on XX/XX/XXXX. I also had a credit card with XXXX XXXX XXXX my social security number but incorrect name and address in XX/XX/XXXX. I was able to contact that company and file a fraud claim with them.

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 2022-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit report shows 19 inquiries made in the last 120 days. These are inquiries I did not approve. The companies are listed on my report as XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX CAP1XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, CAPITAL ONE/XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, CAPITAL ONE on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX card on XX/XX/XXXX. I also had a credit card with XXXX opened with my social security number but incorrect name and address in XX/XX/XXXX. I was able to contact that company and file a fraud claim with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens Bank closed my account because I deposited a check and it took longer to clear. They assumed it was fraudulent activity. They started trying to close it. The check cleared. I came in the branch for verification and withdraw money. I left a balance of {$30.00} because they said if I took all they were going to close it. They turned around and did it anyway. They said they mailed a check out never received. They said they were going to investigate and send me a new check to my new address. The last check they claim they mailed was sent to my sister address. Which I still have access. I just want my money and to be done with this bank. Inconvenience. When I call now they give me the run around. You can't keep my money. They had no reason closing my account in the first place. The check cleared. I wouldn't have known it was close until I tried to send my money into the account and it wasn't going through. They froze the account and debit card. Then closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: NJ

Complaint narrative:
These student loans have been defaulted for years due to amount unable to pay. These accounts were closed and due to be removed however they were reported active after 8 years nonactive. This is past statue of limitations and should not have occurred. 
Please help. 
This school previously attended in which loans are from are from a closed down school back in 2007 due to fraud against students. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
Hello I have touched base with Guaranteed Rate to try and get my Year End XXXXXXXX for loan for account # XXXX. Guaranteed Rate were the original lenders and servicers of the loan before passing it on to another bank. I was told the statement will be in my online account. I am assuming this is the same online account as the portal that I used for loan servicing. I am looking for the Year End XXXX. Please provide me my XXXX. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Re : CEASE AND DESIST NOTICE ; ACCOUNT NUMBER : XXXX I am a natural person and federally protected consumer. In pursuant to 15 U.S.Code 1692c ( C ), this is my written notice demanding that you cease and desist all communication through all mediums including ( XXXX, XXXX and XXXX ) regarding this alleged debt. 

Pursuant to 15 U.S.Code 1692e ( XXXX ), the false representation of the character, amount, or legal status of any debt is a violation of federal law. The balance is a positive balance and seems to be owed to me. If the balance was owed in a bank account the balance would be negative. In pursuant to 15 U.S.Code 1692g, I am demanding that you provide me with documentation evidence and provide a contract bearing my signature for this alleged debt. 

Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Tennessee Attorney Generals office. 

Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. 

Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one reported a late payment of {$19.00} on the account I paid in full last year. I was never notified of the outstanding balance, I never used the card after fully paying it off, so I paid it again in full. The ding on my acct should never have occurred. I paid the {$19.00} immediately when I saw it on my C-K report. It still reflects a negative remark that it was late. Look at all of my cc and other payments, not one of them are tagged with a " late payment ''. I filed a complaint against Capital One, but your investigation did NOT give a final decision to remove the derogatory. I ask that this " late payment '' remark be REMOVED FROM MY REPORT. THE ACCT IS PAID IN FULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 I was frauded of {$10000.00} from people claiming to be representatives of Chase Bank. They claimed that other users took money out of my account and I had to send XXXX the amount in order to reverse the payment of {$5000.00} ( the amount that was claimed to be stolen ). I had to do this twice since the first one didnt go through, using their third-party app XXXX. 

XX/XX/XXXX XXXX pm : I called Chase customer service and was told that there was nothing that could be done, as XXXX is a third-party app and that I was the one who made the transaction. They told me to try to ask the fraudulent party for the money back politely. 

XX/XX/XXXX XXXX pm : Called back, was told that there was nothing that can be done. Argued that other people have been scammed with the same exact method. Escalated to fraud team callers supervisor, who gave in to a 10-business day recovery check as a courtesy After further investigation I noticed the exact same scenario had been performed as recently as last year with Chase and XXXX. The victim was reimbursed, while Chase is saying that I can not. 

XX/XX/XXXX XXXX : Went to Chase Bank in XXXX XXXX XXXX XXXX to get help. Spoke with XXXX XXXX and assistant manager XXXX XXXX, who checked the claims online and told me to wait until a decision has been made. 

XX/XX/XXXX XXXX : I filed a police report at the XXXX precinct. 

XX/XX/XXXX XXXX : Claim inquiry was disregarded ; moved onto the investigation. 

XX/XX/XXXX XXXX : return to Chase Bank in XXXX XXXX XXXX XXXX before it opens at XXXX. I wait almost an hour and a half. 

XX/XX/XXXX XXXX : Speak with Chase banker XXXX XXXX XXXX who dials the Claims department. 

XX/XX/XXXX XXXX : Speak with XXXX XXXX who tells me that decision will be made between XXXX of XXXX. Transfers me to his supervisor, XXXX, who lets XXXX fax over written documents and police report to the department. 

XX/XX/XXXX XXXX : Speak with XXXX on the phone. Tells me on the line that the fax was successful but was updated today that the decision was rejected that day because it was technically an " authorized transfer and Chase has no responsibility '', even though others have received their money back from the same fraud. 

XX/XX/XXXX XXXX : Transferred to supervisor XXXX XXXX of the Claims department, who tells me there's nothing Chase can do. 

XX/XX/XXXX XXXX : XXXX transfers me to XXXX of the global recovery line, who tells me to go back to the Claims department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
This complaint is for USAA debt collection practices. I sent USAA & the 3rd party collection agency they hire a do not contact letter regarding my XXXX charged out accounts usaa will ignore my letter and when the collection company has to stop by law USAA will transfer the debt and a new collection company will start harrasing me again through another " 3rd party '' USAA truly sucks and will not stop and continues to transfer the debt and updating the date on my credit report to keep it on longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TX

Complaint narrative:
I sent dispute letter back in XXXX then again in XXXX but no changes this is destroying my life. There are too many loopholes and stategies in the system I am XXXX citizen Father of XXXX who works extremely had for everything I have today. This Collection was placed months ago but with work and not monitoring the credit I didnt Know of it. I believe this could have been one of my fellow family members using my information but I personally never lived in New york. This account is not mine simple, information on the account is the following : XXXX XXXX Date opened : XXXX XXXX Status date : XX/XX/2021 XXXX charge account-collection

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 2022-01-22 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: LA

Complaint narrative:
RE : US BANKRUTCY- XXXX To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX XXXX XXXX  XXXX XXXX 
Appalled by that information, I went directly to ( XXXX XXXX XXXX  XXXX ) and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 
I have enclosed letters FROM BOTH XXXX XXXX XXXX for your inspection. Please DELETE this item from my credit report as it is NOT verified! 
The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please send me an updated copy of my report once the bankruptcy is DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
After being harassed at a Wells Fargo location for not wearing a mask by police officer, I was forced to go to another location and I ended up leaving my card in the ATM machine! 

Then when I tried to get a replacement card they did not send it in the tone frame I requested! I asked him to send an expedited service so that I would get it immediately he said it would be here within XXXX business days which is way too long. 

Then he hung up in my face I tried to get a new representative to correct the error and they told me that I have to call back another day to have my card replaced. 

First due to the Wells Fargo error I cant get my card until Tuesday now and I was actually harassed by a police officer forcing me to wear a mask over my face just to go into a bank to get my own money!

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 2022-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
It is my understanding that all student loan payments have been paused til XX/XX/XXXX. Navient has not paused mine and they are calling and emailing me to make a payment and threatening to report to the credit bureau. I am currently going through a divorce and right now I can not make payments and they won't help me. Right now it is showing over XXXX past due and it is getting out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: NJ

Complaint narrative:
Experian tried to get me to " upgrade '' to a paid account in order to " lock '' my credit, a service offered free of charge by XXXX and XXXX. In the fine print I discovered that I can FREEZE my credit without charge. Experian consistently makes it very difficult to freeze and unfreeze credit, forcing people to fill out long forms. Compared to XXXX and XXXX, it is a nightmare. I believe they are taking unfair advantage of possessing my confidential information and are using questionable business practices in order to make a profit off this information.

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 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD Bank became my mortgage servicer on XX/XX/2021. I am unable to use TD Bank 's online banking services to monitor my account without opening another checking or savings account with TD Bank. These other accounts are not free as they require a $ 10 monthly service charge or minimum deposit. In effect, my mortgage account is being held hostage by these predatory banking practices which require me to open an account to monitor my mortgage account. I have attempted to contact TD Bank at the local branch level and through XXXX customer service. Local branch service does not know how to solve this problem and XXXX customer service transfers me to the mortgage department whose mailbox is always full. I do not believe it should be a requirement to open another account to access my existing accounts. I did not have a choice in who became my mortgage servicer and I now believe that TD Bank is engaging in predatory banking practices. 

It is very clear from the screenshot from the attached online banking signup webpage that TD Bank requires an ATM card linked to a checking/savings account in order to use online banking. I am being locked out of monitoring my mortgage account to include accessing my tax forms associated with my mortgage.

Company response to consumer: Closed with non-monetary relief