vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
XX/XX/2020 I paid the debt collector, Scott & Associates , P.C . on behalf of XXXX  {$1900.00} because they said they filed a law suit against me. I signed the agreement agreeing to the {$1900.00}. The debt collector said the suit would be dismissed and they would report the payment to the credit bureau. Since then nothing has happened. The case is still active and i do not see that the payment in full have been sent to the credit bureau. 

Companies involved : XXXX XXXX XXXX Scott & Associates , P.C .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX XXXX and may have gotten into the wrong hands.

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 2022-01-10 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: TX

Complaint narrative:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.

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 2022-01-10 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:
Since XX/XX/XXXX started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.

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 2022-01-10 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Under 16 CFR 433.1-Business Arrangement and Contract 15 USC 1684-XXXX Liability 15 USC 1692 ( b ) -Permissible purpose The Company disclosed my account information without my permission and/or consent ; there is no Contract andor Business Arrangement ; In turn, testifying false and misleading formation, which I did not give nor gave them any permission to report. Creating an adverse action affecting my credit file in a negative way. There is no Contract or Business Arrangement. I seek all damages and remedies applicable to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF THE WEST
State: CO

Complaint narrative:
My small business was granted a XXXX XXXX through Bank of the West. The XXXX granted partial forgiveness on the loan on XX/XX/2021 at which point the loan was converted to a Commercial Loan. 
On XX/XX/2021 I requested a payoff letter through the branch manager at Bank of the West XXXX to pay off the unforgiven portion of the loan. 
On XX/XX/2021 I went to the XXXX Bank of the West office, met with the branch manager, and paid off the loan in full using the information from the payoff letter he provided. 
In the seven months since paying off the loan I have tried repeatedly to obtain paperwork showing that the loan has been closed. I contacted the Commercial Loan department, who said I must contact the XXXX group through email. I contacted the XXXX group who indicated the loan had been converted to a Commercial Loan so they could not help me. They referred me to my Relationship Manager at my bank. I contacted the branch manager who after two months has been unable to produce documentation that the loan is closed.

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 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
As attached, I mailed in my payment/remittance coupon for {$500.00}. on XX/XX/XXXX. It was delivered USPS by way of certified mail with tracking number XXXX on XX/XX/XXXX. As of today XX/XX/XXXX, there has been no credit received or applied on my account for the amount of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I received a notification of a reported address change from my identity theft service on XX/XX/XXXX, stating the Equifax had changed my current address to a residence in XXXX, XXXX XXXX. That address is for a home I sold in XXXX and have not lived at since. I currently live in XXXX, XXXX. I immediately filed an online dispute with Equifax on XX/XX/XXXX, and provided my renters insurance declarations page and my electric bill which showed my current address. The confirmation number with Equifax for that dispute is XXXX. I received a response back the same day from Equifax wherein they incorrectly confirmed I live in XXXX XXXX. I filed a second online dispute of the address Equifax shows as my current address on XX/XX/XXXX. The confirmation number with Equifax for the second dispute is XXXX. In that filing, I included copies of my XXXX  driver 's license, my most recent electric bill for my XXXX apartment, the first page of the lease for my XXXX  apartment, the registration certificate for my car in XXXX state, my auto insurance card foXXXX XXXX, and an email from Equifax promoting auto insurance in the state of Washington, wherein Equifax effectively confirmed that they know I live in XXXX. I received the results of my dispute from Equifax about nine hours later on XX/XX/XXXX, wherein they again confirmed I live in XXXX XXXX which is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I submitted a complaint to chexsystems through CFBP and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that chexsystems should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in chexsystems or any other credit report file, randomly for no cause. Chexsystems deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. Chexsystems has had XXXX  years to work on this issue and should have declined the bank 's faulty objection in 2017. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.

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 2022-01-10 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX XXXX  and may have gotten into the wrong hands.

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 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
. In summary, our complaint is that, XXXX days after the scheduled closing date and only XXXX days before the expiration of our Offer to Purchase -- when we would forfeit the Due Diligence and Earnest monies amounting to {$13000.00} -- the Wells Fargo loan officer made wild and unfounded claims about the property only XXXX days before the expiration of the OTP ( that the house was dangerous, uninhabitable and ready to cave in ) and, on the basis of those claims, insisted, for the first time, that the mortgage would not be provided until foundation repairs would be carried out PRIOR to closing. This put us in an impossible position as the sellers would not agree to carry out the repairs ( the OTP specified as is ) and they also would not agree to an extension of the contract giving us sufficient time to seek a loan from another institution. At the time, Wells Fargo knew that we had contracted an expert company to repair the foundation ( costing over {$13000.00} ) which was to be carried out on XXXX XXXX. Obviously, we could not carry out the repair if ownership was not first transferred to us and, even if we could, we could not be sure that it would be sufficient ( the loan officer had also complained for the first time about the roof, the kitchen cabinet, the deck, the windows and the lack of carpeting in the bedroom, all of which we were going to replace after the closing ). As a result, we suffered the loss of our due diligence and earnest monies and were subjected to significant stress which has taken a toll on my health ( I am XXXX XXXX XXXX ). As described below, we first sought to complain to Wells Fargo, first to have the loan officers decision reviewed before closing and then, failing that, to corporate headquarters about the arbitrary and unprofessional treatment we received that resulted in our significant loss. Unfortunately, as communicated to us on XX/XX/2022, Wells Fargo will not recognize any error on their part, despite that it is so blatantly obvious and indefensible.

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 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I closed my Chase Sapphire XXXX card on XX/XX/2021 it had approximately XXXX points associated to it. I asked the customer service representative to transfer the points to my Chase Freedom card and they said they would over the phone. I waited for the points to transfer and they never did. I assumed that it was going to take a few months for the points to transfer and then possible an additional COVID-related delay. When I realized I had never received the points, I contacted Chase on XX/XX/2021 asking them about my points. They wrote back that I had " at least 30 days from the date the account was closed to use your reward points or they will be lost ''. I never received the reward points in my new account as I was told would happen, nor was I warned that I only had 30 days to use them. The email also indicated that I had " at least 30 days '' to use them, which didn't make sense. I reached back out to Chase on XX/XX/2021 telling them I was never warned about the 30 day limit and that I never received the points in my new account, regardless of the time limit I had to use them. Chase responded that I was sent an email on XX/XX/2021 after I closed my account detailing the XXXX rule. I can not find any record of this email every being sent nor having received it. Even if I had gotten the email, I was waiting for the points to transfer and that never happened. I have tried working through this issue with Chase and they have been less than helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Sol Acceptance
State: CA

Complaint narrative:
I paid off my car back in XX/XX/XXXX a title was sent to me with the company Sol acceptance listed as the lien holder. 

I have been unsuccessful at getting a clear title for my XXXX XXXX XXXX. I asked for a hardship to waive the {$20.00} fee that can only be paid via a XXXX XXXX  and they charge a fee. 

I went to the DMV today XX/XX/XXXX and was a informed that SOL acceptance should not be charging me a fee, to prove my car loan was paid off. Sol acceptance stand their growing and wont wave the fee. I am experiencing a hardship finically and ask for a waiver. Sol acceptance DMVS Electronic Lien and Title ( ELT ) Program denied it. I had to borrow money from an abusive ex to get the money to Sol acceptance. 

I was involved in a bad car accident which I am recovering and have not received any XXXX or insurance payout. Therefore {$24.00} is a lot money for me. 

I dont understand why I have to pay a fee to have Sol acceptance release off my title. When the DMV tells me I should not be charged a fee and that once my car was paid off the lender was suppose to notify DMV.

According to the DMV sol acceptance participate in the electronic lien and title. Once a consumer pays off the loan Sol acceptance complete the necessary paperwork online to release them off the title. Instead they sent me the title advising me it was my responsibility once the mailed the title to me along with a paragraph letter stating my loan was paid off, that I had to reach out to the DMV. Only to be told by the DMV that I would have still need the lender to provide me with a signed form reg 166 to remove the lender. All I know is Sol acceptance is telling me something different than what DMV is stating. Of all my years of getting a clear title after paying off the loan. This is the first issue I have had all other lenders sent me a clear title not Sol acceptance. To the DMV it looks as if I still owe them. Which I dont owe them any money. They sent me a check for overage payment but no clear title.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have sent multiple letters asking this company to send verification of debt. If they were unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Its been removed from company because they provide information and now they have re added it back on my report without verification still. This company has recently used my personal information to change the dates on my credit report and added a fake address to my account to continue collecting from me and I was alerted by security they were trying to access my account with this false address XXXX XXXX XXXX XXXX IL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. 
I am a victim of identity theft & did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission & I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have a credit card from Victoria Secret through Comenity Bank. I was charged a late on XX/XX/XXXX in the amount {$50.00} due to the payment being passed XXXX EST. However when I look at the terms and conditions provided by the bank for late fees and penalties their paperwork does not specify payment is due EST and their terms specify the late fee amount is {$25.00} or {$40.00}, not {$50.00}. 
I have contacted the bank on XX/XX/XXXX about this issue and was told my payment was late thus the fee of {$50.00}. When I said I made my payment before the cut off time in XXXX and have the email for it I was told the time only applies towards EST. I advised their paperwork through the online bank does not specify time zone and the fee amount was over charged I was given silence and told it is what it is and to be sure to make payments on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has reported incorrect names and address on my credit report. I also requested a copy of my Consumer File. NOT 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 2022-01-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Date : XXXX Credence Resouce Mana XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX Amount : XXXX For XXXX XXXX To Whom It May Concern : This Debt is supposed to take it off my credit and it hasn't please do so, if it's not I will file a complaint to Attorney General 's Office. I demand it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
i went to apply for food stamps as XXXX XXXX XXXX  in XXXX az district court keeps writing forged child support orders in order to take half of my social security money monthly. hes been doing it for two plus years for bribes from XXXX XXXX or whatever her next name is. now its XXXX I think and she is till filing my suits XXXX  them from my flash drives, computers and more with congress in all 50 states for the money. she XXXX  her money along with donald trump sr. through XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX, ... and the clerk at DES food stamps in XXXX nv, said that three accounts came up on her screen that were open that I had already closed years ago. one was Chase bank opened in XXXX and XXXX went into to it in XX/XX/XXXX and out in XXXX XXXX i went to chase and it appears that someone opened it XX/XX/XXXX with and XXXX Deposit THE XXXX XXXX XXXX PAYMENT XXXX ... XXXX. I CLOSED THIS ACCOUNT AS I DO WITH ALL MY ACCOUNTS BUT XXXX XXXX REOPENED THEM FROM ME, .. FROM ME. 
I WENT TO CHASE AND WHAT WHE SAID WAS TRUE, AND I WAS GIVEN XXXX IN EXCESS OF MY CLOSERS. ACCOUNT ENDING IN CHECKING # XXXX IT IS BEING USED IN MI, IN, GA NC SC XXXX XXXX CHECKING ACCOUNT. I CLOSED IT BUT XXXX XXXX  XXXX XXXX XXXX XXXX, MI ALSO REINSTATED CHARGES FROM MI, FL, ELLECTRONICS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
account is showing as collection/chargeoff, but it was discharge on my bankruptcy in XX/XX/2020, last update send it from the company was XX/XX/2020

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