vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I reached the end of my lease and asked for an extension which I was given. I had problems with the lease because the contract had the incorrect mileage at XXXX miles. It's my understanding that this would make the contract void. I submitted a CFPB complaint which Nissan Finance responded stating XXXX XXXX ( Dealership ) needed to correct which they have not. I was given my options : purchase, turn in, and I provided I could trade they agreed. I wanted a XXXX. I went to XXXX XXXX to purchase a XXXX and I provided the payoff from the Nissan website good thru XX/XX/XXXX. I completed a full application and credit check, with paystubs. I was told there was an additional $ XXXX for early lease termination fees. Mind you my lease ended on XX/XX/XXXX. I tried to payoff the loan again through XXXX and authorized my salesman XXXX XXXX on XX/XX/XXXX and XXXX refused to speak to Mr. XXXX with XXXX. I believe that XXXX XXXX placed incorrect mileage on the lease contract so that I would incur a large fee at the disposition. I'm the one that caught the error not Nissan Finance or XXXX XXXX. I'm not sure how many other customer 's they have done this to on a lease and they should not be permitted to add a number to the mileage and think it's permissible. This contract is void. This is a large error on their part the mileage on a lease is paramount and they made a huge mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: IN

Complaint narrative:
Equifax never informed me that there was a security breach with my account when they had that huge breach. I have filed several fraud reports with all the companies and yet they did failed to inform me or even try to help me fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A debt collection agency is reporting a collections account for an account that was paid in full. There was a previous collection agency which tried to report the same account as collections. I submitted documentation proving the account was paid in full. The negative information was removed from my account. A new collection agency is now claiming the same debt as collection. I have disputed with Experian, and they are telling me the debt is valid, but I paid the debt over a year ago, and this collection agency 's claim is less than 6 months old.

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 2021-04-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony bank issuer of Ashley furniture credit card. On XX/XX/XXXX I called and asked politely if they would do a pay for deletion of a late payment showing up for XX/XX/XXXX. During the phone call I stated at least 10times that I was not disputing it was late I was just asking nicely if they could take it off. I explained that I am in the process of buying a home and you can not get a home if you dispute items on credit report. The manager XXXX made it sound like there wasnt much she could do but would ask the credit reporting company to please take off late payment. Not only did they list it as a dispute when I told them not to they also reported XX/XX/XXXX as late even though a payment arrangement had been agreed upon. So my family is now homeless and we are unable to get a home. After seeing what they did I tried to call them on XX/XX/XXXX to have them fix the issue but every time I ask to speak with manager they hung up on me. I really feel like because they got their money they could care less about actually being helpful.

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 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
Hi I did not receive notification of this debt. After pulling my credit report, I saw this on there and called them to discuss. I decided to pay the debt because it was a small amount ( {$79.00} ). I made this payment on XX/XX/XXXX and I was promised the debt will be removed ( information send to the credit reporting agencies : XXXX, XXXX  and XXXX  ). I also requested a letter to be sent to show proof of settlement of this payment and as of today ( XX/XX/XXXX ) I have not received this letter. I need to get this financial transaction completed ASAP and they are hindering/jeopardizing this by not resolving this issue in a timely fashion. 

collection agency : Online information services telephone:XXXX Imaging Consultants XX/XX/XXXX {$79.00} + {$46.00} + {$14.00} = {$130.00} confirmation : XXXX Manager : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLD STAR MORTGAGE FINANCIAL
State: OH

Complaint narrative:
Several errors were made at closing, I was mislead to believe my payment would be XXXX. 

The errors made in their favor created an illusion of the correct payment. When in fact the payment is XXXX higher than what I agreed on. 

The escrow amount was entered in wrong causing a XXXX shortage. Which they stated they would pay on XX/XX/2021 by sending me a check. 

After three attempts to get the tracking number for the check they are ignoring me. 

I can not upload the emails. Once I have an account I will be happy to upload all correspondence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of 2020 I saw fraudulent activity on my credit report. Someone tried to get credit in my name. A couple months later, I decided to freeze my credit report. So I froze my report on XXXX, XXXX, and Experian. I also placed a security freeze with XXXX, XXXX, and XXXX. 

Here I am, a month or so later ... and on XX/XX/XXXX I find another fraudulent inquiry on my credit report. I contact my credit monitoring service and they tell me that the fraudster was able to unfreeze my credit report through Experian and apply for credit. 

They did this using my SSN, address and date of birth. All information that they could have easily acquired through widespread data breaches from companies including Experian themselves. 

This fraudster was able to fill out an online form on Experian 's website, using a completely new email address, and get access to my credit report using that information. How am I supposed to protect myself, when the " guard '' ( Experian in this case ) opens the door to the very people I'm trying to protect myself against. 

Since this happened 4 days ago, I have found articles going back 4 YEARS complaining that Experian has this gaping security hole through which anyone can easily gain access to a user 's information and remove a credit freeze. That is a long time to not fix a serious problem! Now, because of Experian, I not only have someone applying for credit in my name, that fraudster now has access to everything on my credit report because Experian GAVE IT TO THEM ... after I explicitly told Experian to NOT give anyone that information. 

Finally, after all this, I have made several attempts to contact Experian but can not reach a live person via phone. I can't access my account online. And my only recourse is to try to reach them via postal mail. So now I'm supposed to communicate by mail, over the course of likely days, weeks, or months ... to resolve this issue, during which time I fear Experian will continue to give access and resources to the identity thief. 

There are 2 criminals here. 1 ) The identity thief. And 2 ) Experian. The far worse criminal is enabling more of the first, and they are doing it under the protection of the US government. I want this to STOP, for Experian to be held accountable, and for Experian to put REAL protections in place so this can't happen anymore.

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 2021-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo and it partnership with XXXX XXXX XXXX  XXXX and XXXX XXXX. Is doing I'd fraud on my ownership. Is got me at risk of going too jail and loseing my companies, Mr XXXX XXXX XXXX, old owner in operation agreement on the article of organization, too the said names in this text all names and addresses is this text was own by XXXX XXXX XXXX deceased in 1999, my name got put on tittle too the company operation agreement, by Mr XXXX to his next of kin for his ownership, ok ... why haven't the beneficiary trust reach out too me or the company agent, or the attorney in fact, under Mr XXXX XXXX testement is XXXX XXXX XXXX XXXX  ga XXXX, XXXX XXXX XXXX XXXX  ga,,,,, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX  ga, XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXX  ga, please hand over too me operation agreement and any other papers I need. Thanks. The government says. I was a employee from 1999, so where is my money as a trustee heir too the business, as a trustee heir employer and employee .both.

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 2021-04-12 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: NC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I need your help to stop this deceptive practice and fraud from carrying out time after time. When they didnt get the money theyre wanted, they use the collection report to force the consumer to send them the money. I didn't own them anything. 
I contact Dr. XXXX office XXXX and spoke to Ms. XXXX I was told it will be taken care of and not to worry. This is the first and only visit to this doctor 's office for an annual check-up with co-pay and all work was done in-house at this doctor 's office. 
The XXXX XXXX and XXXX XXXX XXXX XXXX is nothing more than fraud sending out bills that had been paid by the doctor 's office. For this bill 2019, I spoke to Ms. XXXX and XXXX with Dr. XXXX XXXX, both doctors offices stated that I didnt own anything else, XXXX balance. I have no problem paying my bill in a timely manner and paid as greed, I do have a problem with medical fraud billing. ( XXXX XXXX send me the name of the doctor on the bill that I never heard of before ) I need your help to stop this fraudulent collection from the medical billing. This type of scam artist sends out a medical bill from {$15.00} to {$30.00} to many seniors like me and threatening for collection and using credit report tool to force the consumer to send them the money. Thank you for all your help and I am looking forward to hearing from you. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One touts extra credits for shopping at certain retailers via links on their website. I purchased a new XXXX from XXXX using one of these links in late XX/XX/2020, expecting to get 10 % back. When I completed the purchase, I was offered an additional 1 % credit by Capital One, which has never happened on any other purchase. As any reasonable person would, I accepted. I've since been waiting for the 10 % credit that was offered. I went to the Capital One website today to read the fine print and apparently my acceptance of the 1 % credit made me ineligible for the 10 % credit. I believe this is extremely misleading on their part. As noted, the only time I've been offered the 1 % credit was when I tried to use their link to get a 10 % credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2021 : Bank of America reported account closed XX/XX/2021 : Bank of America reported account closed - again - this is a duplicate

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 2021-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I took out a loan with Rise Credit in the amount of {$2000.00} # XXXX and made my payments on time per loan agreement. On XX/XX/XXXX I paid off the loan in full and received a paid in full email conformation. As of XX/XX/XXXX, my credit report is still showing that the last payment was made XX/XX/XXXX, and a balance owed of {$1500.00}. I've called and spoke to a representative with Rise Credit several time requesting that my credit report be updated. The only thing that Rise could offer is a paid in full letter. It appears to other creditors that I'm not paying down the loan and would hurt me getting approved for other credit loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I need some help, I entered into a settlement with Naviet on my loan, all payments were set up to be debited from my account and they just stopped. Several attempts to call and see what was going on as we had a written agreement first we were told they could not take any more payments due to some hass law suit which has nothing to do with me. Called again and now they will not speak with me nor my POA person. I just want this resolved and to continue making the payments we agreed upon. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TX

Complaint narrative:
Since XX/XX/XXXX XXXX  XXXX  in XXXX XXXX Texas main branch and in conjunction with a prior complaint with you on same evolve has miss reported my credit status on my account not held long along with my father account who has recently passes XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . Through out the years evolve has reported a auto loan that is repossessed with balance owed then balance at XXXX then months later the same amounts on my fathers account lusted as certificates of deposits left to mother XXXX XXXX the executor of estate in probate court XXXX XXXX of XXXX XXXX Texas. Recent closure request XX/XX/XXXX with check in amount if XXXX. And in XXXX for record keeping and tax purposed I requested a print out of my fathers closed account ( what should have been closed completely ) for XXXX and discovered transactions ranging from XXXX  transfers in and out act. XXXX after XX/XX/XXXX and up to XX/XX/XXXX which is odd as XXXX XXXX XXXX was notified of passing XX/XX/XXXX and act was frozen until death cert was received and delayed due to XXXX XXXX. Over or about XXXX. Unaccounted for and also important recent discovery of main branch -XXXX branch manager XXXX XXXX XXXX mother of an individual XXXX XXXX who has pending charges from the state of Texas , XXXX XXXX XXXX for felony assault with major bodily harm XX/XX/XXXX and victim is me XXXX XXXX XXXX XXXX To note I have discovered that Mrs. XXXX has made several false credit inquiries on my and fathers credit report and what seems to me as XXXX  or XXXX XXXX XXXX or bank issued instruments via and through my and fathers account. To date we have received no response from evolve and after several attempts to contact am concerned that one same individual " XXXX '' answered the line and refuses to transfer my call to executive management even after severity of complaint with no resolution to date or correspondence.

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 2021-04-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2021 my US bank account was officially closed due to a flagged bank transfer from my daughter that was flagged. I was told the funds from the failed bank transfer would be transferred back to the original sender before my account is fully closed. The original sender still have not received the returned funds and my account has been officially closed for over 2 weeks now. I was told in writing that the funds would be sent back as soon as my account was 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 2021-04-12 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: FL

Complaint narrative:
XXXX XXXX claims I owe for a credit card that I never applied for had or used I never had a XXXX XXXX card this is not my card I have tried to tell them numerous times that this is not my card I am going to hire a lawyer and get a lie detector test to show that this is not my account I am going to charge the lawyer fees and the lie detector test fees to XXXX XXXX and Experian when I prove this is not mine this needs to be removed from 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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2021 : XXXX  XXXX XXXX reported account closed XX/XX/2021 : XXXX XXXX XXXX reported account closed - again - this is a duplicate

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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2021 : XXXX  XXXX XXXX reported account closed XX/XX/2021 : XXXX  XXXX XXXX reported account closed - again - this is a duplicate

Company response to consumer: Closed with explanation