vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I make my payment every month on the due date. It is important to know that I am a veteran who suffers from a XXXX. Because of this I have memory problems. So every month I pay my bills on the Date stated on My Bill. It seems that Bass pro shops/Capital one has created a Cut Off time which gives people on the XXXX XXXX XXXX XXXX XXXX hours to pay their bill, While the people on the XXXX XXXX have to pay their bill at XXXX PM XXXX XXXX XXXX This constantly causes me to have a late payment because when I get home from work, I pay my bill but it is after the XXXX Eastern time Cut Off. 
This should Not be allowed. Why do they allow people on the XXXX XXXX until XXXX to pay, but here on the west we only have until XXXX. My Bill says XX/XX/2022, then I should have until XXXX on XX/XX/XXXX to pay my Bill! This is Not an Impossibility in 2022. Capitol one Can make that so and should. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Account status shows XXXX different status XXXX pays account as agrees XXXX paid or paying as agreed XXXX account legally paid in full for less than full balance Payment history shows account was never late

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 2022-07-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 
The following Accounts : Loan Account Holder : XXXX Nevada XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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 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. 
The following Accounts : Loan Account Holder : XXXX Nevada XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}

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 2022-07-02 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: FL

Complaint narrative:
I have reasons to believe that a collection agency have erroneously reported information on my account and has illegally charged a fees of what I owe ( XXXX ). I have submitted a dispute with Equifax which was received by them on XX/XX/22 where I asked for them to provide me validation/verification of amt owed - none provided. Subsequently, I sent another request in the month of XXXX, which I got a response in XXXX that the dispute inquiry was complete, but with no resolution or evidence to support that I owe the amounts and furthermore, no removal of erroneous information 5. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$7100.00} Equifax closed my dispute with CFPB stating that they were able to verify debt. I'd like to know how that is possible and how they were able to verify/validate debt? I filed same dispute with XXXX and XXXX with success, which tells me that Equifax is not really verifying this debt and the information into the illegal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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 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. 
The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX Loan account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}

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 2022-07-02 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: NJ

Complaint narrative:
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. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I filed a claim for a wire transfer fraud that occurred on my account and it was denied. A phone number that shows Chase banks ' phone number XXXX ( XXXX ) XXXX called me saying my account was being hacked. I felt that it was a scam at first and I decided to hang up ; however, the number kept calling saying it was urgent and they believe someone is hacking my account. I decided to look up the phone number and it was a Chase phone number. I also went into my local Chase branch and asked if this is a Chase number to which the employee told that it was. Once the employee told me at the branch that this is in fact a Chase number I started to proceed with answering questions. The fraudsters already had almost all my information and passwords before I even started. They would then wire my funds in increments saying that they needed to upgrade my security and wire my funds to a separate chase account and wire everything back. The first wire was done on XX/XX/XXXX for {$5400.00} and continued to do XXXX wire transfers that told up to roughly {$52000.00}. They also got into my XXXX  XXXX XXXX accounts and it shows that the recipients were receiving said it was going to XXXX I immediately told both banks. XXXX  XXXX XXXX refunded {$10000.00} which they did XXXX wires from that account. Chase customer service sent me a letter and told me I had to fill out paper regarding the situation and after they needed roughly 45 days to process. After I filled out the paper and waited 45 days I contacted them to twice to find out the update without my funds. Finally they updated me and said they denied me of my claim. I am at lost of words since that is a lot of my savings and I was told by Chase employees that this was in fact them calling me. I do not know what else to do and I am now filing this complaint. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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:
I was looking over my credit report and found items that appear to be inaccurate. To prevent identity theft i provided the company with proof of my name, address, telephone number and employer, because there should only be one of each. They refuse to correct all inaccuracies

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 2022-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 
The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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 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. 
The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}

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 2022-07-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care credit has damage to credit by reporting wrong amount own. I was almost done paying my loan. When I lost my job and went to hardship. Got very XXXX  and XXXX work to for ever. I was only {$800.00} left. So I called them to close account and make payment of {$58.00} until i was done. because I was low in money and bill where just stacking I make 3 payments of {$58.00}. What was my surprise the smack me with {$3000.00} when I only own them about {$600.00} because i did payment of {$100.00}. So I called them why did the loan was less than {$600.00} why did the report to credit company 's the wrong amount. Called the 10x and never got a answer. So I told them I wasn't making more payments until the fix that amount! Until this day they keep bringing my credit score to XXXX when I had XXXX score. I'm been stressing calling credit companies with no luck. This company has Destroy my life! Opportunity! Had stress me out mentally.

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 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MD

Complaint narrative:
First American Title Insurance Company is providing false information on me, XXXX XXXX XXXX and my parents, XXXX and XXXX XXXX. They have concocted a written report stating that our home has several active liens/judgments- when it doesn't. We had two other companies perform title searches on our home and none are showing this false information. Moreover, even after providing documentation showing that these accounts do not belong to us, they are refusing to remove it from their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: CA

Complaint narrative:
In XXXX and XX/XX/XXXX I advised Nelnet that several of the loans are showing as open and should show closed/paid. On XX/XX/XXXX XXXX and her supervisor, XXXX, advised that they correct ALL of my accounts to show paid/closed as of XX/XX/XXXX. I waited 45 days and have checked my credit reports and all of my credit reports show two accounts as open and that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I recently opened up a checking account with Discover Bank. I deposited money in there for use during my XXXX XXXX  for work ( XXXX XXXX ). Two days ago, Discover froze my account without warning and without any information given. When I call Customer Service to get information- I am told that only the Security Team can provide me information. When I call the Security Team - I sit on hold for hours. The system cuts the call off at exactly 3 hours and 2 minutes every time. I have spent a total of 18 hours on hold trying to get ahold of the Security Team so that I can get my account unfrozen, withdraw my funds, and close the account and take my business elsewhere. Eighteen hours on hold! Two days without ability to access my money. No information given for the why the account is frozen. They are literally holding my money hostage. According to their social media accounts, this is happening to numerous customers - everyone with the same description : frozen account without warning, no information given, told to call Security Team, on hold for hours no matter time of day, call ends at exactly 3 hours and 2 minutes, and multiple days of trying to reach someone without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: NV

Complaint narrative:
I asked the credit bureau for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on the credit bureaus are all incorrect. 

In accordance with the fair credit reporting act, 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 an account without my written instructions.

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 2022-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
On XX/XX/XXXX, I XXXX XXXX XXXX XXXX XXXX and my vehicle was totaled. The vehicles loan is with Bridgecrest. This was a brand new vehicle, I had not had it even a month. I also had Gap coverage through XXXX. The insurance company totaled the vehicle, and sent payment. the payment was sent on XX/XX/XXXX and was posted by Bridgecrest on XX/XX/XXXXXXXX XXXX has sent the gap payment. It was received by Bridgecrest on XX/XX/XXXX and has been senting on the system - pending. They will not credit the account. I believe this is an effort to force more interest to be paid. It has been a week. I have contacted service and advised that it would be XXXX more hours for the payment to post - no explaination as to why. Bridgecrest needs to post the payment instread of seeking additional funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: NV

Complaint narrative:
I asked the credit bureau for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on the credit bureaus are all incorrect. 

In accordance with the fair credit reporting act, 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 an account without my written instructions.

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 2022-07-02 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received a call from an unknown number whose location was just from in town XXXX XXXX, MO ), so I thought maybe it was somebody from work. When I answered, it was an automated message saying it was important information regarding my Chase credit cards and I needed to hold on the line to wait for a representative. I did think it was important because I had just paid my Chase credit bills the night before. The representative picked up the call right away, did not ask for my name, and said that I was eligible for a 0 % APR for life on my credit cards. He started by asking for the last XXXX digits of my XXXX Chase credit cards ( and yes, I gave it ). He also kept asking for the expiration date on the cards, but I was not able to give him that info. He knew the current balances on both cards, he knew when I last paid and how much ( up to the cents ). I know this sounds stupid now, but at that time I was confused and I guess I was also tempted. He then started asking what other cards I had. I named all the others credit cards but did not give him the number. He kept asking question after question, I felt like he was rushing me into giving answers but also kept reassuring me and telling me to take my time. There was a lot of background noise, like it was an office filled with representatives. He asked for the current balance of my XXXX XXXX and I gave him some estimate to the best of my knowledge. He said it again that I was eligible for a 0 % APR - for LIFE - for ALL my credit cards this time ( not just my Chase ). He then asked for the last digits of my SSN and I gave it. He kept rushing to ask for more information. I was now more confused. I guess I was suspicious from the beginning, but was also being XXXX. I asked who was calling and he said he worked with Credit Card Services. I ended the call, and immediately another unknown number called from XXXX, KY. I declined that call, and then another unknown number called from somewhere in MO again. I blocked all the callers. Hours later, there was another unknown caller and I declined it again. At this point is when I started reading more about it and decided to report it.

Company response to consumer: Closed with explanation