vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
My loans were with Navient and were bought out by Aidvantage. Every single time I have contacted Aidvantage in the past month I have been told completely different answers for my repayment plan options and issues. EVERY SINGLE CALL. I was told I was approved and the application was processed only to be notified via email that I was denied and now owe 3x the amount originally told on a monthly basis within 24 hours. I was also told that a family of XXXX with XXXX only XXXX spouse working, both adults bearing student loan debt, making only {$64000.00} with XXXX kids, a mortgage, and XXXX car payments aren't poor enough to qualify for income driven repayment plan. How is that even possible when we barely make ends meet, especially now with inflation and gas prices. The supervisor was absolutely zero help whatsoever and said the misinformation I kept receiving by EVERY agent I have spoken to is " unfortunate '' and those agents will need more training. Thats it! Apparently it's OK for them to tell you you're approved at a lower payment amount and that there are zero consequences when that information is completely and utterly wrong. Consumers rely on information given to them as accurate and truthful, yet there are no consequences or recourse for when that information is a fraudulent statement!!!! This company is an absolutely atrocity!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I called Chase on XX/XX/22 and spoke with a telephone rep named XXXX. I had an errant fee charged to my account and wanted to close my checking account. The Cahse rep instructed me to visit my local branch to close my checking account. I told her three times that local branches are closed and I wanted to close my account by phone. When I asked for a manager, they suddenly transfered me to a different department and XXXX was able to assist me immediately. I'm sending a complaint to the CFPB because I think its wrong for banks to make it difficult for the public to reduce access to gain or end banking services. Purposely restricting access to banking services to the public is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX fraudulently and knowingly submitted a loan application to Truist after I stated I did not agree to nor want the loan with Truist. I already had my own lender. I notified them of this before the loan was processed. Instead of XXXX cancelling the loan before it was processed, fraudulently sent my information over to Truist. I contacted Truist several times by phone and they assured me I did not have a loan with them. I finally received the loan paperwork from Truist. 

The issues have not been addressed. I stated that a fraudulent application was submitted on my behalf without my permission. Please provide proof of documentation that I agreed to apply for a loan with Truist and the terms I signed and agreed to. The car is still does not have a valid title. The title is currently in suspension and has been in a suspended state for months. The car does not have a valid title. Please respond with documentation showing the car has a clear title with Truist listed as the lein holder. 

Previously CFPB Complaint Number : 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 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XX/XX/2022 i made a purchase with Paypal account in the amount of {$1300.00}. On XXXX XX/XX/2022 Paypal double charged my bank account under two diferent checking accounts for the same transaction. On XXXX XXXX and XXXX XXXX I contacted Paypal customer services and made them aware of the issue. Paypal has acknowledged their mistake however to this date they have failed to returned the over charge of {$1300.00}. I have contacted XXXX XXXX XXXX XXXX and initieted a claim to disput the doble charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My name is XXXX XXXX, someone tried to submit a W2 for against me to the IRS and it is causing me so many issues with my credit. I am unable to even get a bank account, please I'm asking for help in resolving this matter. I have called credit bureau and had a freeze placed on my report. I have contacted fair trade commission. I also reported fraud to IRS. I am on a fixed income XXXX and have not been able to work for over XXXX  years. I realize that some items on my report is mine, I really need this issue to be addressed please.i was so XXXX, married for over XXXX years and he left me and my kids, in a desperate state, I fell for online love. Stupid me. Only because I thought I was really getting help from a complete stranger.

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 2022-03-25 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: GA

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts on my credit report. I completed an ftc identity theft 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 2022-03-25 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: GA

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts on my credit report. I completed an ftc identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: GA

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts on my credit report. I completed an ftc identity theft 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 2022-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
I have disputed several times through credit reporting the incorrect reporting on my credit they reporting me as 90 days past due they are reporting the incorrect date of last payment I am asking for the information to be updated or removed from my credit report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
During the time period of XX/XX/XXXX and XX/XX/XXXX my monthly mortgage payment through Freedom Mortgage increased by {XXXX} per month. The change of {XXXX} occurred in the escrow account. I reached out to Freedom Mortgage in XXXX of XXXX to inquire about the initial increase. I was advised my property taxes increased and therefore my monthly escrow payment increased. In addition, I was advised an escrow analysis would be completed. Since my initial call, the monthly escrow payment has continued to increase. 
I verified with both the XXXX XXXX Tax Collector and the Freedom Mortgage tax department that property taxes are not expected to increase from XXXX to XXXX remaining at {XXXX}. 
I verified with both XXXX XXXX and Freedom Mortgage that my Homeowners insurance premium did not increase from {XXXX}. 
On XXXX XXXX, I followed up with Freedom Mortgage and received information that an escrow analysis was completed in XXXX of XXXX, this analysis shows an increase of monthly escrow payments due to increase in property taxes. 
Customer service advised me another escrow analysis was completed on XX/XX/XXXX which showed a monthly payment of {XXXX} however my bill shows {XXXX}. 
Based on the XXXX total escrow balance of {XXXX} my monthly escrow payment should be {XXXX} per however I continue to be charged {XXXX} per month.

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 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX -negative $ XXXX XXXX, XXXX  Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2022. 
You reported a problem with this transaction. See the status of your case in the XXXX XXXX. 
Paid with XXXX XXXX XXXX XXXX Credit Card XXXX You'll see " PAYPAL XXXX XXXX '' on your card statement. 
{$200.00} Ship to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX United States Transaction ID XXXX Contact info Message XXXX XXXX XXXX Details Sent to XXXX XXXX  {$200.00} Total {$200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
Im missing a direct deposit of over {$3500.00} in my account. I always receive my deposit on Wednesday every other week. Its now Friday and it still hasnt arrived. 

My employer verified theyve sent the funds as usual. Ive received dozens of direct deposits from the same company over the past 2 years. This is the first time Ive had a problem. 

Their customer support has no record of my deposit which my employer confirmed was sent. 

Social media users on XXXX, XXXX, and XXXX are posting complaints about the same issue. 

This is causing undue stress and financial trouble for their customers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XX/XX/2022 XXXX online XXXX XXXX attempt to payoff LATE CHARGE BALANCE as online show balance/see attached {$540.00} as its off and higher. I hit submit and nothing happened, no receipt after I have have paid online for SIX years always received a receipt. BY LAW when making payments online a RECEIPT should be received along with payment confirmation. I hit submit 3 times, still no confirmation or receipt via website and via email.XXXX Loan was paid off as I paid the balance {$1900.00}, in which is a total of {$40000.00}. See copy of my paid receipt via email back in XX/XX/2022. Due to the fact I did not receive confirmation nor, funds debited to my account with NISSAN at the XXXX hour, I decided to CHAT w/XXXX. She refused to provide a receipt. She stated they received payment but refused to provide a receipt. NISSAN IN VIOLATION. Nissan calls everyday about my owing one dollar zero cent recording, not only harassing me ever single day, when they call, I pick up, they hang up. REFUSE to ACCEPT FINAL PMT from late charges to Payoff loan, refuse to provide a receipt and CHARGE MY late fees on late charges! IN VIOLATION AGAIN. Nissan performed FOUR VIOLATIONS AND I DEMAND CLASS ACTION AGAINT THIS COMPANGY AND REIMBURSE ME THE FULL AMOUNT PAID, {$40000.00}. 
NOW CFPB, do I need to report you to XXXX as NISSAN IS IN VIOLATION REPEATEDLY and previous complaint you did absolutely nothing and continue to allow NISSAN to violate my rights.I WILL contact OCC, UDAP, UDAAP UNFAIR, DECEPTIVE, ABUSIVE ACTS & PRACTICES. Sounds like a law suit! You allowed XXXX XXXX to charge late charges on late fees..WOW! Intentionally to repo car for non payment of late charges. payment made, not posted or credited my account and showing past due. Nissan in VIOLATION. NISSAN interfered with my ability to effectively make a payment and populated website to not accept payment nor provide a receipt misleading to me as its 100 % unreasonable. Its bad enough the dealership misrepresented me into a warranty they I said NO to clearly as they added it to my contract another VIOLATION, no worries I will file complaint against XXXX XXXX  XXXX as Nissan was well aware of it. Their motto-MISLEAD CUSTOMERS. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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:
This student loans are fraud. I never have had student loans nor been a co-signer for anyone. I see they are reporting as closed and with a debt, reporting as collection. I am demanding for validation on these accounts as well as they need to be removed from all credit bureaus immediately. Transunion, XXXX and XXXX. 
US DEPT OF EDUCATION XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ______________________ DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Name is also reporting wrong XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX _______________________ I am asking that the credit bureaus correct all this information __________________________ Non authorized inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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:
This student loans are fraud. I never have had student loans nor been a co-signer for anyone. I see they are reporting as closed and with a debt, reporting as collection. I am demanding for validation on these accounts as well as they need to be removed from all credit bureaus immediately. XXXX, Equifax and XXXX. 
US DEPT OF EDUCATION XXXX XXXX XXXX XXXXXXXX XXXX XXXX ______________________ DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Name is also reporting wrong XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX _______________________ I am asking that the credit bureaus correct all this information __________________________ Non authorized inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX Inquiry XXXX XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is regarding CFPB File # XXXX previously filed against XXXX XXXX XXXX XXXX CFPB provided XXXX 's response which is correct. I am now dealing with Bank of America who has not returned the {$250.00} back to my account. I have been calling, faxing, going in person to the local BOA branch and I am getting the runaround and being told - wait 2-3 business days since XX/XX/XXXX. I am attaching the correspondence that I have had with BOA and a copy of the XXXX letter that CFPB forwarded to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I paid all the medical bills they told me that I owed on XX/XX/XXXX. I have disputed the debts as being reported inaccurate. I have a zero balance but they keep reporting the amount as accurate which is harming my credit. Ive been going back and forth between the credit reporting agencies and Credit Control Corporation but they will not update or delete this inaccurate information from my file! I filed disputes on XX/XX/XXXX, XXXXand XX/XX/XXXX with all reporting agencies and they all sent results saying the information is accurate even after Ive sent pictures of the receipt received from Credit Control Corporation and XXXX showing the debt has been paid since XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TX

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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