vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After I file a complaint regarding XXXXXXXX XXXX XXXX deceptive act to CFPB. XXXXXXXX XXXX summoned a Court Order to me on XX/XX/XXXX, to foreclose on my Home. The actual Court Order is dated 2 months before the enforcement actions ordered on XXXX on XX/XX/XXXX. Subsequently, my wife is leaving the property in fear of being homeless. Is that a legal Enforcement Action?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023 SHELL ( Citibank / Citgroup ) closed my long time account because XXXX, XXXX and XXXX have not fixed a problem of reporting erroneous information on my Credit File regarding to my XXXX XXXX They are re-aging the code of reaffirmation of debt due to bankruptcy on my XXXX XXXX XXXX XXXX XXXX. 

As a result of this error, which I have disputed multiple times, Shell Closed my card negatively affecting my credit on an error by the 3 CRAs. I have contacted the 3 bureaus about the mess and have filed complaints with CFPB, and the bureaus have failed to resolve this issue which is an error in reporting. SHELL based their decision on what the bureaus are erroneously reporting which is a violation of my rights under the FCRA.

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 2023-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I attempted to deposited a XXXX check at Ally Bank in order to wire it my title company so I could purchase a house. Ally Bank 's website indicates that they hold checks of that amount for 5 days with graduated deposits. Meaning the first day you get XXXX dollars, the third day you get XXXX dollars and the 5th day you get the whole amount. In my situation none if this was followed. They received the check on XX/XX/XXXX and it is now XX/XX/XXXX and XXXX dollars have been deposited in my 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 2023-01-11 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: GA

Complaint narrative:
This new complaint should be tied to current complaints in the process. 

XXXX XXXX XXXX XXXX XXXX XXXX loan Dealing with your lender or servicer XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX XXXX XXXX XXXX loan Dealing with your lender or servicer XXXX XXXX XXXX XXXX XXXX servicer XX/XX/XXXX Closed Sent to Regulator, Not FTC XXXX I completed my XXXX XXXX XXXX in XX/XX/XXXX. My federal student loan servicer during this period was Nelnet. Nelnet was very prompt in providing notifications and details regarding loan increases to my consolidation student loans along the period when the repayments would start. However, Nelnet was not quick about relaying information on extending the Covid relief program, which suspended all federal student loans and accrued interest. They did not correctly provide details on how these temporary programs impacted my account and obligation. 

Nelnet 's lack of notification put me in a very pressured situation to find a new lender which could offer better interest rates to reduce payments I would be expected to pay with the increased amount of XXXX XXXX XXXX loans added to my consolidation amount. I selected XXXX in XX/XX/XXXX as a private lender to aid in consolidating my loans at a lower rate. Unfortunately, I got the payoff from Nelnet, who never acknowledged or notified me that the Covid Relief program was extended. I did not receive a notification until XXXX XXXX XXXX well after I had completed the consolidation with XXXX ; in fact, XXXX provided a payoff amount well over the amount necessary to pay off the loan consolidation for my Federal Loans. Instead of notifying them of the overpayment. Nelnet proceeded to pay my federal loans off and wire the amount that was over the payoff amount back to XXXX without any communication with me or request to update the payoff amount. 

XXXX took the funds returned from Nelnet and applied this amount to the principal balance of the new private loan consolidation. When I asked XXXX the reason for the additional funds added to the payoff amount, I was told that it ensured there were not any other amounts due to accrued interest or missed payments. Nelnet should have not only contacted me but also notified XXXX XXXX XXXX  of this situation in which a loan service should be aware and have proper knowledge of the terms of the XXXX XXXX Covid relief program. This situation will affect my credit and the opportunity to take advantage of new relief programs with the Federal Government to reduce federal student loan balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Account name : XXXX XXXX  # : XXXX Account name : XXXX XXXX. Account # : XXXX violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX XXXXXXXX. Account # : XXXX violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I continue to receive daily harassing emails from Citibank. This is disturbing and really upsetting considering that I have a XXXX including exposure to 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 2023-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/XXXX I initiated a transfer from Chase checking account to transfer to my XXXX savings account. 
On both XX/XX/XXXX & XXXX when I would look at my XXXX app online it showed the deposit as pending. 
On XX/XX/XXXX the amount was no longer showing as pending and was not applied to my account. 
I initiated a chat with XXXX and was told by a rep that the amount was received on XX/XX/30 but there must be a problem on Chase 's end. I contacted Chase and was given a completed transaction number. 
Since then I have been back and forth with Chase and XXXX and neither are able to assist with a resolution. XXXX says they don't have it and that I should have Chase initiate a reversal or stop payment. Chase says they are unable to do either of those because the transaction is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My daughter, XXXX XXXX, filed a complaint with the XXXX  and the Consumer Financial Protection Bureau in regard to her Capital One account. The complaint and summary are attached. In the response to her, XXXX included that Capital One tried to reach her and/or I on XX/XX/XXXX and XX/XX/XXXX. I have no calls from capital one on those days and neither does she. I do have calls from the collections department continuously harassing me, but when she calls in were informed that theres an ongoing investigation. So why am I being harassed? In addition, XXXX states that the complaint was submitted by an unauthorized 3rd party. So the account owner, XXXX, who submitted the complaint, is an authorized 3rd party? I am not even allowed to speak with anyone at Capital one without XXXX permission as her permission, so how is she not authorized to make a complaint? I stood next to XXXX as she spoke to a Capital One rep and was advised that money was removed from her account in error/in excess and that they would take care of it. Nothing has been rectified, and now her account is excessively negative. We were told that the account is closed but deposits can be made to make the account whole. XXXX reached out to XXXX XXXX who owes her a few refunds, and was advised that they are not able to issue the refund/make deposits because Capital One told them there is an ongoing investigation. So, to me they are purposely holding this up, so the account goes into collections. I tried to make a deposit on her account and received an error. When I called in I needed her permission to speak to them, and they told me the banking relationship was terminated and I could not make the deposit. So how are all other refunds supposed to come in to make the account whole? I am just tired of the run around and lies. At this point, XXXX has been financially trafficked and taken advantage of by a company who specifically created a student/minor option, but took advantage of a minor. Her account is now overdrawn {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Account # : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-11 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: LD Holdings Group, LLC
State: GA

Complaint narrative:
Loandepot.com is currently reporting 2 mortgage accounts on my credit file. Both are showing XXXX late payment but each account is reporting a different date. I have already provided written proof to Loandepot.com via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : LOANDEPOT XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : LOANDEPOT XXXX- this account transferred XX/XX/XXXX to LOANDEPOT XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that Loandepot.com is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to loandepot.com several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian have stated that thay went and verified a bankruptcy but did not disclose where thay verified the information last time I put in a complaint with a CFPB they said that they verified it through XXXX XXXX, which is false. I opt out of any reporting from XXXX XXXX, and I have loaded a court official document, saying that the court does not report this information to the credit bureaus. This is from a third-party vendor that experience on uses to put these false accusations on 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 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Apple Credit Cards ( Goldman Sachs ) refuses to both lower a 24 % rate and refuses to allow me to do an electronic balance transfer out in order to get a lower rate somewhere else. I have paid on a regular basis and my income has not changed, however I did use a cash advance which then changed my rate from 10 % to 24 %. I set up two balance transfers to have money go from Apple to XXXX XXXX. Apple states in their terms they have the right to refuse balance transfers.

Here 's the rub..the work around is that I can get XXXX XXXXXXXX to issue me a check and I can then pay from my bank account IF Apple declines the electronic transfer in time for me to still receive the lower rate offer. I have no control over this.

Apple should not be able to dictate how I move my balances out... especially if it is impacting my livelihood. I shouldn't have to spend hours figuring out a work around for a money-grabbing detail in fine print. 

Credit card companies could do a quick knowledge check by having consumers answer questions regarding their interest rates, their balance transfers, etc. rather than being clever about how the information is shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX ), XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$110.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$310.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-01-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Good day, On XX/XX/XXXX, I opened a Wells Fargo credit card and requested a {$5000.00} balance transfer to pay my XXXX card. When I viewed my account on the Wells Fargo ( WF ) web site it showed deducted from my available credit, but never posted and was then added back to my credit line. I called WF on XX/XX/XXXX to ask about the status of the transfer, I was told it was cancelled and needed to be reprocessed and to go online and resubmit the transfer, which I did..On XX/XX/XXXX, I noticed the initial {$5000.00} transfer AND the 2nd transfer for {$5300.00} were both processed on XX/XX/XXXX, resulting in the account going over limit. On XX/XX/XXXX I called WF and was told they couldnt recall the transfer and chase needed to send the funds back. When I reached out to XXXX, they stated they were unable to and that WF needed to submit a good faith request in order to send the funds back. Today, XX/XX/XXXX, I called WF and advised what XXXX instructed and was told they dont do that and that I NEED TO HAVE XXXX  SEND THE FUNDS BACK!!! They did advise they are aware of an issue thats occurring with balances transfers, but apparently arent taking action to mitigate the issue and putting the responsibility on customers to figure out. At this point, I had to request a credit balance refund so I can directly pay WF. In the meantime, my credit score has taken a huge hit due to the over limit status of the account.to assist with fixing this matter, WF needs to issue credit for BOTH balance transfer fees for the inconvenience this has causedalso any over limit fees need to be waivedapparently WF has not learned from the recent enforcement action and $ XXXX fine. I shouldve known better than to open an account with them.

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