vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My student loan was paid in full in XXXX of XXXX. I have contacted equifax several times to dispute the balance and asked them to update the fact that it is paid in full. They ignore my request and consistently just place the balance on my record. I have been trying to obtain a mortgage and it makes my dti higher and may cause me to get a smaller house or higher rate due to risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Nelnet, Inc.
State: MI

Complaint narrative:
I applied for SAVE in XXXX. I was told by Nelnet it would be processed accordingly. 

I reach out in XX/XX/XXXX whats taking so long. They said it will processed shortly. After calling a second time on the XXXX, they said they would finally switch me over after paying a {$5.00} transfer fee. 

I paid the fee and they had put me on a standard income driven plan instead of SAVE. Now they are asking me to pay a monthly payment of XXXX when my application stated my monthly plan would be {$0.00}. 

When I asked for information, they stated they are working on it but I would still need to make the payment. Why? As to not delay my change of plans. They made the mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
The debt was paid, I requested that the account be closed to avoid making extra fees. The customer service agent refused to close the account. The balance is incorrect. The creditor has not returned {$100.00} that was that were payments made from my available balance for monthly payments taken for late fees prior to requesting the account closed. The two late payments charged on my account were incorrect, I made payments prior to the due date. I should not have been charged a late fee after closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This is XXXX XXXX XXXX. I have a Wells Fargo account with a debit card. My card was stolen by XXXX XXXX XXXX. This is the second time he was stolen my debit card and I have had to cancel it, but I wanted to file a formal complaint that can be dealt with legally. I one hundred percent want to take legal action this 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 2024-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The TJX Companies , Inc. 
XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX Dear sir, I have written a letter to your company on XX/XX/XXXX of XXXX regarding my reward certificates, # XXXX ( issued XX/XX/XXXX ) and # XXXX ( issued XX/XX/XXXX ), which arrived with XXXX bill from your credit company Synchrony. Since there was no answer regarding the inquiry, why I could not use these certificates, I would like to ask again the reason why I could not use them after the second try about the middle of XXXX. As far as I remember, your company re-issued my unused corticate. Therefore, I beseech your company reissue the usable certificates or send me a gift card, which was sent also in XXXX by mail. If there is any reason why I can not use them, I request proper written explanation on paper, not by the phone. Since I have received many unwanted calls and hacking activities last year, I do not want to receive any calls, even though your credit card company, Synchrony, continuously called me, even changed his/her voice. I will wait your proceedings regarding this matter. 

Sincerely,

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 2024-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XX/XX/XXXX, I bank wired $ XXXX as down payment to XXXX for a 'certified pre-owned ' XXXX XXXX XXXX. XXXX had taken my down payment amount and other qualifying information and gave me an approval me for financing at 7.99 % interest.However, ended up with a 12.99 % rate and alternate lender, without ever being informed I wasn't eligible for the interest rate provided when applying. I wasn't given the option to add co-signer or make larger down payment or even decline the terms. I was not notified or contacted about the financing at all I NEVER ACCEPTED or SIGNED THE LOAN TERMS. On the day of pick up i messaged the 'delivery ' team about my being uncomfortable with the fact I had no loan paperwork, and requested it. They provided a 1 page very vague print out that still gave me no actual information like who the lender was, when payment was due or anything. Oddly enough once i finally did get the real loan documents, according to the date on the loan... .the form hadn't been filled out until late the same night I inquired! 

I had to take possession of the vehicle, without any information about my loan. I didn't even know who to make a payment to- I was completely unaware of a different lender and interest rate. I had to ask the regional supervisor several times before I was given access to the actual loan documents. As far as I knew, up until that point... I had XXXX financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone has illegally access my credit report to access loans and other items with my 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 explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Some purchases were made for {$100.00}, {$420.00} and {$89.00} and all were returned to the Best Buy store and they issued their receipt and the credit to the Citibank Best Buy Credit Card is recorded, but said amounts have been in the state for more than 5 months. account and the bank and the store blame each other and no one has removed said amounts and they continue to bill me for them on the account statement, Correspondence and chat have been sent with support from the store and the bank and nothing that resolves and they close the disputes and without effect. 

The Credit card is only for purchases at Best Buy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
| have disputed these fraudulent inquiries multiple times with Transunion and they kept ignoring my request. So, I'm filing a complaint against their company as they are hot taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.

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 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had a company American Express card and the company went out of business over 5 years ago. I did not sign or agree to be personally responsible and American Express is now suing me, even though the Statute of Limitations has expired too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have an account with XXXX many years ago and paid it off. XXXX decide to sent it for collection but the account was paid off already. I request Equifax to deleted this account from my file. This is hurting my positive credit score. Plus this account belongs to my ex wife. Another issue is that this account is been updated every year with different amount and is appear double account in all the credit bureau. Which is violating the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
This company is in clear violation of the CFPB and XXXX plus a lack of care towards there consumers that they collect data and monetize it privately to third parties that may constitute as identity theft an more in a court of law. I demand CFPB to do there due diligence and provide a remedy

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 2024-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
This company lied about settling my two accounts with them. They told me on a live call that the accounts were cleared to XXXX. On the same call I gave them my credit card number so I know they have the call. I am requesting the call to prove them lied about where my money would go. They did not clear the debt at all thats why they refused to give me a letter that my debt was paid off. I called and again to request my money back since they lied about where the money would be going and they said it would be returned in 24-48 hours and that was a lie as well. I am ready to take legal action against this company. I am not working and I dont have money to be throwing around. That was my last! I am very very angry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Some purchases were made for {$100.00}, {$420.00} and {$89.00} and all were returned to the Best Buy store and they issued their receipt and the credit to the Citibank Best Buy Credit Card is recorded, but said amounts have been in the state for more than 5 months. account and the bank and the store blame each other and no one has removed said amounts and they continue to bill me for them on the account statement. 

Correspondence and chat have been sent with bank support and they solve nothing, they blame the store The Credit card is only for purchases at Best Buy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Incorrect addresses, incorrect amounts, collection companies harassment and threatening to sue after they bought my collections, reporting in my credit report without authorization, incorrect names, non removal of student loans, collections, medical bills from my credit report and overly use of fraud with my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
| have disputed these fraudulent inquiries multiple times with Experian and they kept ignoring my request. So, I'm filing a complaint against their company as they are hot taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I froze my credit report on XX/XX/2023 and the XXXX through the XXXX of XXXXXXXX XXXX XXXX did 4 hard inquiries, Again I have tried to convey just how I am having serious issue with the credit agencies and banks, etc... 18 U.S.C-894, Obviously Transunion really didn't have it froze or just has a deal worked out with XXXXXXXX XXXX XXXX Trustee, XXXXXXXX XXXX XXXXXXXX and they must prove that I gave consent to unfreeze it temporarily, You see I did this as a test because I know the Banks and these private llc which are not government agencies are directly conspiring to deceive and my belief is a criminal syndication, part of the XXXX to which is why the world is so poor while less than 15 % has all the wealth.

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 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
Midland Credit Management has falsely claimed it has entered into a debt obligation with me. Midland Credit Management has failed to show a contract or trust containing its claim of a contract or trust. There are seven elements of a contract and three elements of a trust. Midland Credit Management has failed to provide to me any written agreement accepted by me containing an alleged debt obligation or offer by Midland Credit Management

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
The account with XXXX XXXX was closed by the consumer for not being used. The XXXX XXXX also reported 30-90 days late which is not accurate. I request Experian to removed this account from my credit file.

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 2024-02-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
The home in question was to receive repairs due to a storm. 
The Insurence was to pay the claim and the remainder amount upon completion. 
The mortgage company created delays while the home was unlivable creating additional cost. 
Once the contractor signed the required forms abd the owner signed their part the mortgage company took the funds and kept it then did not complete the repairs. 
Once we received notice that the city was to condemn the property due to the initial repairs not completed we kept repeating the request for the initial funds and they refused repeatedly. 
We are at a cross road to which I have had to mortgage another property to save this home from the city completely condemning it by order. This has added considerable expense since due to codes the whole home had to be upgraded. 
Thus added cost for Engineered plans rebuilding the entire home. 
Please help as they left my aunt destitute and homeless with additional storage cost and so much more negative impacting issues. 
The bank intentionally kept the repair money from the insured to force them into homelessness and a position of destitute while agreeing with the insure company for less than the agreed amount to recieving funds without the owner signature. For all payments they received. 
It was their fruditiouse responsibility the complete the repairs abd not burden the city with additional public cost and avoid depreciation of the investment to which they intentionally refused committing harm to life and limb of the owner and clients. 
Signed XXXX XXXX. 
Please correct this injustice as I know it is not just happing to as and as other bank have done to which you addressed and won.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXXXXXX Items Highly Requested The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company has in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CAN'T PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action.

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