vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
WF stated that the COVID19 FORBEARANCE PLANS WOULD NOT BE REPORTED TO CREDIT AGENCIES! NOW THIS XXXX SHOWS UP ON MY SISTERS ACCOUNT BECAUSE I TOOK THIS LOAN WHEN SHE HASNT EVEN LIVED HERE! WF BETTER CORRECT 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 non-monetary relief
Consumer complaint received 2021-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate, unauthorized and unknown inquiries on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the inquiries to be removed from my credit report. These inquiries are adversely affecting and damaging my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES, PLEASE REMOVE PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Four Directions Lending LLC
State: CA

Complaint narrative:
I have gotten a loan with high interest rates, but they had told me I could pay it off in a week or month if i wanted, but they are refusing to take my calls, and their online website doesn't actually let you log in to an account to pay anything off. They won't give me information on my loan and by not responding to my attempts to pay off the loan to avoid interest rates, I'm being locked into a 777 % interest rate for a year and I can not financially afford this. I have been attempting to reach out to them to pay this off but they are using deceptive tactics to avoid this. The last phone call I had with them, I had asked them if I can pay off the loan, they replied to that with " sorry I can't hear you, and if I don't get a response, I am permitted to hang up '' and then my number seemed to have been blocked after that call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
You do not provide an other option for Type of Problem. Therefore, I had to select the problem that most closely resembles my issue. I have strong evidence that this lender is not a XXXX  owned corporation and that it is actually a XXXX XXXX used by outside investors to skirt the usury laws of many of the states in the U.S. behind the shield of the sovereign nation. What this lender is doing is fraudulent and should be investigated not just by the CFPB, but also by other agencies that regulate the financial sector and by Attorneys General of the states whose usury laws they are violating. 

Furthermore, I have observed that there happen to be multiple corporations run out of the same office by the same people, lending to the same customers with different names such as XXXX XXXX, whose mailing address is almost the same ( a few P.O. boxes away ), whose customer service agents get confused about what company they are representing on the phone, and whose marketing emails are identical and are sent simultaneously. Their customer service agents deny being one and the same corporation, but all the evidence says otherwise. These two in particular, XXXX and XXXX, have divided into two corporations in order to fraudulently issue twice as many loans ( to the same customers who can not repay either one ) and in order to fraudulently receive twice the investments from the outside investors using them for their sovereign immunity to violate state usury laws with impunity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
On XX/XX/2021, XXXX sent a certified debt validation letter to security credit services requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
A communication was hand delivered to me with information that my home is scheduled for a sheriff sale on the XXXX of XXXX, XXXX. I am current on a mortgage that was modified by XXXX  XXXX XXXX since XXXX. I was in the process of refinancing my loan to a better rate and found out that there is a second lien on my home and is requesting an unpaid balance of about XXXX. My loan was bounced around to few servicers and ended up with XXXX  XXXX XXXX. I do not understand why the information on the second lien was not fed to me during the modification period? The purpose of the modification program was to help home owners keep their homes, but not giving consumers the totality of deal defeats the purpose of the program in the first place. My loan was in two parts, a first and a second ( 80 % and 20 % ). XXXX  XXXX XXXX modified the 80 % and left the 20 %. I was of the understanding that once I kept up the modification agreement, my home was safe. Now after paying the agreed amount from the modification agreement from XXXX to present, I am told that my home is going into foreclosure. I think it was unfair to modify my loan without mentioning the second lien, or why would the original holder of my loan turn over one part of my loan to a different company and not the other as well? They are now requesting XXXX, XXXX which includes lawyers fees and unpaid balance. The original loan was for about 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 2021-08-05 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: Nelnet, Inc.
State: MD

Complaint narrative:
- Nelnet accounts show late even though I have proof from Nelnet that my account was under forbearance ; forbearance negates the necessity of making payments and no late payments are collected during this time.I 've disputed and shown this proof to XXXX  and XXXX  but they've done nothing to update this - Nelnet account shows my full balance owed on the account but I've already fully paid and closed out the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX  stated that the COVID19 FORBEARANCE PLANS WOULD NOT BE REPORTED TO CREDIT AGENCIES! NOW THIS XXXX  SHOWS UP ON MY SISTERS ACCOUNT BECAUSE I TOOK THIS LOAN WHEN SHE HASNT EVEN LIVED HERE! XXXX  BETTER CORRECT EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XX/XX/2021 between XXXX and XXXX. Received call from XXXX number after text alerting to suspicious activity on the account. Person said XXXX  transaction had been approved and in order to get it back I would need to send it to myself? Stupid. I was half asleep. Person was polite but definitely coercive. Followed instructions to add myself as recipient. I thought, since this is my name, my number, my account, the money will just go right back into my account. Amount was for {$3200.00}. Person made it sound like no matter what I would be out that money and the only hope I had to keep it was to send myself the . Anyway, I called XXXX immediately after to confirm. They were unable to confirm, said that the scam has been prevalent and I filed a claim with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: MD

Complaint narrative:
- XXXX accounts show late even though I have proof from XXXX that my account was under forbearance ; forbearance negates the necessity of making payments and no late payments are collected during this time.I 've disputed and shown this proof to XXXX  and transunion but they've done nothing to update this - XXXX account shows my full balance owed on the account but I've already fully paid and closed out the account

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 2021-08-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
- XXXX accounts show late even though I have proof from XXXX that my account was under forbearance ; forbearance negates the necessity of making payments and no late payments are collected during this time.I 've disputed and shown this proof to equifax and XXXX  but they've done nothing to update this - XXXX account shows my full balance owed on the account but I've already fully paid and closed out the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
[ I believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is a legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I have no clue who they are never got anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: AL

Complaint narrative:
On XX/XX/2021 Experian reported an alert on a XXXX  balance closed account from XXXX XXXX  180 past due in error. The account was originally held by XXXX financial. We contacted XXXX and they stated it was sent over right so the error was with Experian. So we filed a dispute with Experian and they removed XXXX but did not remove the late notice. So the action was incomplete.

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 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
On XX/XX/2021, I sent a certified debt validation letter to XXXX XXXX XXXX requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Titan Receivables, Inc.
State: CA

Complaint narrative:
Contacted Titan receivables they say I owe the whole amount I was not supposed to be a cosigner I was deceived I was under the impression that what i was singing was only for a discount.That 's why actually. XXXX XXXX is on there as co-signer not me.

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 2021-08-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
[ I believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is a legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
Trans union is reporting my account as having serious and multiple delinquencies. I have NO delinquencies. NONE!

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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After the last COVID check there was a transaction where negative balances were credited to XXXX  then debited from my account. After the negative charge I was subject to a very negative account balance which resulted in me accruing 15 separate fees of XXXX  $ for basic subscriptions that cost well below that. Alongside these overdrafts the transactions were being returned resulting in more {$35.00} fees. When called I was told the best they can do is refund payments for 1/4th of their cost and that Id have to keep calling to try to get more waived. There is a blatant prioritization of large ticket items which in turn results in smaller items having a higher likelihood of over-drafting.

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 2021-08-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX and XXXXI sent a letter regarding inaccurate items, late payments and unknown things on my credit report to this day over 75-105 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75-105 days so they should be deleted promptly. I have reached out to all companies but to no avail and no responses. Please help with these unfair challenges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX I opened a secured card with capital one. The main reason I opened the card was to improve my credit score and capital one advertised that with the time they would graduate my card from a secured to an unsecured card. I have made every payment on time with one exception due to a family emergency which I called and explained back in XXXX. Ive called several times concerning graduating to a unsecured card and each time I was told something different first I was told in XXXX that they would look into graduating my card in XXXX I was instructed to call back at that time The next time I was told that the program for graduating happen suspended The final time I was told that I would be graduating upon a review of my credit record. This has never happened I have seen two friends and family members where they have graduated their card to an unsecured in one instance it took 10 years. If I close the account it will be damaging to my credit score I have tried to apply for another capital one card and was told that because I have two cards with capital one I did not qualify for third so I cant apply for unsecured and they will not make my card unsecure or will they increase my credit limit. It has been three years now and I am still stuck with the same credit limit with no information or opportunity to increase my credit limit or have an unsecured card. When I tried to call and inquire about this Ive been misinformed Capital one falsely advertised the opportunity to improve my credit and unsecure my card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
I have contacted XXXXXXXX XXXX XXXXXXXX over 5 times concerning a bill sent to a third party I.Q International , Inc for {$1600.00}. I have left 2 messages with Mr. XXXX concerning this matter in which he states the Assistant manager has to go over this information. I called a 3rd time and the assistant manager answered and said she would call back to go over this invoice. This was over 3 weeks ago and still no return call after multiple messages. I called a week later and left a voicemail and no return call. I called a 5th time XX/XX/XXXX and was informed by Mr. XXXX that the assistant manager stated she would call back and I still have not received a call back. When contacting I.Q Data I was told I had to speak with XXXX XXXX XXXXXXXX because they do not know what the break down of charges are. Since then I have call them several times to try to inform them that I am getting no where with XXXX XXXX XXXXXXXX however ; I can not get anyone on the phone anymore after several attempts on different days at different time. I was informed I would get a bill sent to the forwarding address I gave before my departure and I never received this. I do not know what these charges are to total {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: GA

Complaint narrative:
My correct name is XXXX XXXX XXXX. My correct address is XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA XXXX. There may be other individuals with the name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addressed that should not appear in my credit file. Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 

Sincerely, 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 2021-08-05 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: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/2021 XXXX reported an alert on a XXXX balance closed account from XXXX XXXX  180 past due in error. The account was originally held by XXXX XXXX. We contacted XXXX and they stated it was sent over right so the error was with XXXX. So we filed a dispute with XXXX and they removed XXXX but did not remove the late notice. So the action was incomplete.

Company response to consumer: Closed with explanation