vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
It appears the promissory note I signed in XXXX is in violation of the Department of Education 's rules for the repayment of XXXX loans, as it seems to state the " repayment of the loan is until I die '', not the DOE rule in XXXX which was the XXXX was scheduled to close in 10 years XXXX. 

In XXXX the DOE 's rule was the XXXX loan was to be closed in 10 years which was XXXX. If the promissory note contradicts the DOE rule for repayment of the XXXX loan then the promissory note is illegal and therefore null and void. Close my XXXX loan now! 

Instead the loan was transferred from XXXX to Nelnet and XXXX additional nonexistent loans were added to my XXXX. 

The current DOE 's rule is : All borrowers with loans held by XXXX ( Direct Loans and federally held XXXX Loans ) who have accumulated time in repayment for at least 20 or 25 years will see automatic forgiveness of their loans, again not until I die, as Nelnet has expressed in print. My consolidated loan date was XXXX at which time the DOE XXXX close rule was 10 years XXXX. 

My XXXX  loans are not " pay until you die '' in accordance with the DOE XXXX repayment rules, as Nelnet put in print as a response to a CFPB complaint I filed, and pointed to the promissory note I signed. The XXXX loans are governed by the rules of the Department of Education. As Nelnet stated their role in XXXX  repayment is not as a collection agency and therefore it seems to have no reason to be reporting old XXXX  loans that were scheduled to close in XXXX, which should never of been transferred to Nelnet from XXXX to the National Credit Bureaus and are not " pay until you die '' It appears the promissory note I signed in XXXX, " pay until I die '' is in contradiction to the DOE rules that govern the repayment of XXXX Loans and therefore is null and void! 

Close my loan now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This company has refused to honor my requests and properly investigate my disputes citing on numerous occasions that " A credit repair company was used to issue disputes '' when in fact I mailed these disputes myself. I've sent in an updated police report, FTC reports as well as numerous requests to resolve my issue all to my dismay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: FL

Complaint narrative:
PLEASE REMOVE THE FARUD ALERT ON MY CREDIT RPORT I DID NOT AUHTORIZE SOMEONE TO ADD A FRAUD ALERT ON MY CREDIT REPORT. PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Saw on report have already told them I don't have account with them. Guy at XXXX Social Security XXXX must be getting a cut off my social or I'd bc he saw me as soon as he said he's not giving me new social security number mine Har been stolen while sleeping sent to at least 13 ppl and everyone has copies of all my stuff I'm not safe bc of it I can't even get a car I need my backpay I'm suffering from my exbf sending my info for some jealous girl and maybe my uncle idk follow the money is all I can say help Navy Federal Credit Union it says I have an account and no telling where else and XXXX XXXX XXXX is charging me {$220.00} or {$220.00} for XXXX XXXX XXXX it's ruining my credit I had my water shut off and he stole water and they're charging me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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 want you to look properly at the attached documents to understand what happened to me and 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 2023-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I took out a title loan last year around XX/XX/XXXX the hardship was concerning having to get a loan to pay off a bill. the loan was for {$900.00} dollars. I was on time but missed a few payments by XXXX day which caused my loan to rise and made it harder to manage to pay.In XX/XX/XXXX my bank account was deeply compromised and all my funds in each banks had to be closed .My social security number was found to may have been also compromised XXXXThere credit applications for housing in New York as well as large purchases in restaurants and lumber transported to a an address in XXXX. I filed a complaint with the banks that the accounts were compromised and an investigation was set in place. I contacted all business which included TitleMax who added another signing raising the amount owed. Then on the next month I received a letter from Title Max that my file with them may have been compromised.There wasn't a change in their policy that was set aside for my concerns.I could not pay them the XXXX and called the Georgia Customer Office who told me that they do not handle cases such as mine and that i should contact the Title Max in XXXX Georgia .I did as such and the agent there was not of my care or concern and we were soon screaming into the phone that the notice sent did not have anything in place for bank issues or any other way to fix my problem that progressively I would have to pay an upgraded fee and that I am still locked into this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one Quicksilver continues to commit fraud by lying, they never sent an affidavit, and in so need to be reported to a higher power. What capital one Quicksilver is engaging in is called fraud, and I have recordings proving they lie. 

No affidavit ever came to the address to be signed. Another total lie, I can prove this because they can not provide proof of postage, as if they do, it will be mail fraud. At this point I'm positive they'll commit mail fraud, because the company is committing various other kinds of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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 Monday, XX/XX/23, I received a phone call from XXXX. The caller claimed to be from the Chase bank fraud department. They asked if I authorized a wire transfer for {$15000.00} to a " XXXX XXXX '' in XXXX. I replied that I absolutely did not. The person instructed me that in order to dispute the transfer, I would have to log into my Chase bank app. I have experienced similar scenarios before in which Chase bank has contacted me to ask if I authorized certain charges. For example, when I have been in another state making a purchase, ( even for charges as little as {$5.00} ), I have been contacted by Chase fraud department to confirm that I was the one making the purchase. The caller knew my personal information including my full name, phone number, address, and the balance in my bank account. He proceeded to explain how I should " dispute the transfer ''. In reality, he was instructing me to wire the {$15000.00} to an account with XXXX XXXX. In the midst of all this, I entered my local Chase branch to investigate and report what was happening. After speaking with several Chase representatives, I was told that unfortunately, " this is ( my ) loss. '' Chase is no longer pursuing my claim. I have subsequently filed a police report, and XXXX XXXX is being subpoenaed for the recipient account information. The ADA has been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: FL

Complaint narrative:
Hello, My XXXX XXXX XXXX was ruined in XXXX XXXX. The declared my car a total. My loan was through truist bank. I continued to make automatic payments through XXXX XXXX  even though the car was totaled. I was waiting on the insurance company to give them a check. XXXX was paid by XXXX XXXX {$32000.00}. I was waiting on my gap insurance to give them a check for XXXX to cover the rest. I ended up over paying XXXX {$910.00} which they had to write a check out to me. They still reported my account as delinquent and my credit score went down XXXX points. This is absolutely ridiculous. I went to XXXX in person and the branch manager wrote a letter Saying that this was an error on their part and we sent it to all XXXX credit bureaus. I am waiting for my credit report to get rid of the delinquent remarks of non payment from XXXX XXXX til now. This is so infuriating my credit score went from a XXXX to a XXXX from something that was no fault of my own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2023, Bank of America closed my debit card with a balance of over {$6000.00} and promised to send it to me in the form of a check within 15 days. But, it has been over 2 months and I have not received the check yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXXXXXX XXXX XXXXXXXX Balance : {$37000.00} & XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Hurricane Ian, XXXX XXXX in XX/XX/XXXX, UWM gave us a 3 month forbearance plan to add the mortgage payments to the end of our mortgage. This was extended an additional 3 months to begin XX/XX/XXXX. After the plan was coming to an end in XX/XX/XXXX, UWM sold the mortgage to XXXX XXXX XXXX XXXX  and would no longer be able to help with our repayment plan as promised. We called UWM multiple times talking to XXXX, XXXX XXXX and XXXX. All of these discussions nothing was talked about except adding these 6 payments to the end of the mortgage and that we would be able to talk with UWM after the end. XX/XX/XXXX. 
UWM conveniently sold the mortgage XX/XX/XXXX. As a result of UWM not honoring what their representatives stated, we received a letter from XXXX XXXX XXXX XXXX  dated XX/XX/XXXX, stating that our loan is in default, and they want to foreclose on the mortgage instead of doing what UWM said they would do originally. 
I always made sure that UWM representatives understood that we wanted to add the payments to the end of our mortgage. We were never told anything about a possible foreclosure. 
We live on a very limited income and value our credit scores. I have been on XXXX and my wife is on social security income. This caused us to go out and get a loan to pay off the forbearance plan and get it up to date so we would NOT lose our home. 
Shame on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: VA

Complaint narrative:
Personal address information is inaccurate and needs to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo refused to modify our mortgage loan for us. This forced us into default and loosing our home. We had a law firm that was helping us to try and modify our mortgage. The response from the law firm was that Wells Fargo had a pre-qualifying unit in place that we had to go through to even get to the loan modification department of Wells Fargo. Many requests were submitted by the law firm for a loan modification, and they were all denied. We we were victims of what occurred with many other home owners between the years of XXXX. In Hernandez v Wells Fargo Bank NA Home Loan Modification Settlement Case No. XXXX. Wells Fargo paid on a settlement for refusing homeowners loan modification which cause default and many to lose their homes. This was the case with us yet somehow we were not notified of this case and did not learn about it until after it was closed. Wells Fargo sold our home. This cause severe emotional distress to me and my family as we lost our home of almost 20 years when we were evicted from our home. We have been renting a house since XX/XX/2022. We hope to receive help in this matter and restore what we have lost.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Capio Partners, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX received and cashed payments for over XXXX years and did not post the payments to the account. instead, they stole my money and placed my account into collections with Capio XXXX deliberately damaging my credit for their financial gain. I have copies of all of the cashed checks as well as emails from XXXX XXXX. XXXX admitting they did not post the payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I wrote 3 letters and mailed certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three credit bureaus indicating that were reporting incorrect and invalid information and unverified accounts on my credit report. I have requested the three credit bureaus to update all true and correct information regarding 1 name on my account, 1 address, and 1 employment. I have requested all three bureaus to remove all non-holding accounts inquiries over 30 days. I have asked all 3 credit bureaus in these letter to provide the name of the individual business address and telephone number of the person or business contacted during your reinvestigation. The name of the person who verified the dispute with the original creditor, and the documentation that was used to verify the dispute. I have not received any information, documents, or proof to my request on these unverified accounts. I have also reached out to the creditor companies on XX/XX/XXXX via certified mail and a few have responded but have not sent in the requested information to verify the accounts such as an application with my signature, bond, or an agreement for any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: MD

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding that you remove the following transactions from my consumer report immediately as they are a serious violation of my rights as a federally protected consumer under title 15 chapter 41.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: MD

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding that you remove the following transactions from my consumer report immediately as they are a serious violation of my rights as a federally protected consumer under title 15 chapter 41.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: CL Holdings LLC
State: FL

Complaint narrative:
The Following accounts are fraud and need to be removed immediately. 

XXXX # XXXX XXXX # XXXX -JEFFERSNCP # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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 have submitted all the required documents to have this account removed, and I am pleading with you to take action as soon as possible. This account is causing me XXXX  and affecting my ability to sleep.

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