vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Social Finance, Inc.
State: MO

Complaint narrative:
Date opened : XX/XX/2021 Amount : XXXX Credit Limit : XXXX The Balances on my Account were Fraud Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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 2022-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
Medical Data Systems Inc at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX has been sending me collection notices in the amount of {$210.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2021 paid application fee to view unit thru XXXX XXXX XXXX. I'm a sec8 tenant. I paid to view a 3 bdrm unit at XXXX XXXX. XX/XX/2021 I received an email stating the the unit will not be shown on date set up XXXX. Once XXXX was contacted regarding the refund I was told the unit had been rented by owner and to go back on-line to find another unit. There was nothing on the web site that will take my 3 bdrm voucher. All my personal information was forward over for income verification. No response from XXXX XXXX just a link to view more units that I have to still pay for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hello, so in 2021 the PPP Wave  was going around and me being a business in real life I wanted to get one for my business funds because Im young and coronavirus had really came and messed up my money flow and I knew that would help me get back to where I wanted to be in life. So I paid someone to do the loan for me and I was approved for XXXX. I had just received the loan in XXXX I had not spent too much of it and I had just got everything together I had got it transferred into my personal bank account because I had just got all my stuff together and I didnt have my business account routing number and stuff so I got it deposited into my personal and I was going to move it into my business account because I was going to spend stuff on my business card FOR MY BUSINESS. And the other bank was so slow opening up my business account waiting on documents they finally opened it in XXXX!! It had been a whole month tho since and my money was still in my capital one account. But on XX/XX/2021 I went to the bank to get a {$100.00} out the atm for my moms XXXX XXXX XXXX and the teller lady started going through my deposits snooping while I was at the window waiting and started asking questions about my deposit, she then locks my account, Ive talked to 100 people since then about getting the account unlocked Ive sent trade name documents in and everything I received a case number but still no help my loan is also forgiven the money is jus sitting in my capital one account which is still open collecting interest I think they just want to collect interest because its been almost a year and they still holding on to money that belongs to me & its forgiven by the XXXX. So its just free game and I need it, please help me get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I was paying off my vehicle after a 39 month lease and the dealer added {$2000.00} in dealer and paperwork fees to my payoff which I thought was only the amount agreed by myself and Infinity Financial Services. Then I asked if there was any over paying on my part since I was a day away from my last payment they assured the bank would refund any amount due back to me. The bank then took its last payment from my acct and said I was paid up and no money was going back but it wouldn't be verified until 21 days had passed. I told the dealer and they without apologizing said the would refund me the last payment within 3 to 5 days. Two weeks later I called since no check had arrived and they said it didn't get mailed but they could mail me one this same day. Ten days went buy and still no check! I went to the dealer at infinity and without any apology or our fault they cut me a check. I just want to file a complaint for first adding fees to my payout lease that are purely fictional and for making me have contact them three times and having to show up there for never admitting they took my money and having to pursue them over a month to get it back with no explanation whatsoever. If I hadn't first noticed they had double charge me they would have never said anything and probably blame it on the bank like they originally did!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
MY CHILD SUPPORT CASE HAS BEEN DISPOSED AND SHOULD BE REMOVED FROM MY REPORTS.

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 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We have our mortgage through Mr. Cooper. This company purchased the mortgage from a previous mortgage company. I had set our mortgage payment as a recurring bill pay payment from our checking account. On XX/XX/2021 our payment came out of the checking account. For some reason it was sent back to our checking account on XX/XX/2021. We normally receive our mortgage statement mid month. We did not receive the XXXX statement until XX/XX/XXXX. It showed the double mortgage amount due plus a late fee. This is when I started my research and found that the payment had been sent back. I attempted to contact the Mr Cooper on Monday, XX/XX/XXXX. They were closed. I manually made my XXXX and XXXX mortgage payments through bill pay but did not submit the late fee. On Tuesday, XX/XX/XXXX I spoke with a customer service representative and she documented everything and was going to reverse the late fee. She also gave me an email address to submit everything so that our credit report was not affected. I submitted my statement along with a copy of the page from my bank statement that shows the payment coming out and then refunded. Their letter stated that they reported everything correctly which was vague to me. 

I checked my credit report but everything was reported through XX/XX/2021. I recently checked my credit report and they reported a late payment. The late fee has not been refunded either. I am currently on hold trying once again to get the late fee reversed. 

If I had received the mortgage statement mid month as normal the payment would have made sooner. This incident has changed my credit rating from exceptional to very good and my XXXX  score has dropped XXXX points. 

I just got off the phone with customer service and they say they are going to reverse the late fee and resubmit my claim. I feel I shouldn't have had to resubmit anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: AZ

Complaint narrative:
The list of incorrect information was unknown and erroneous. The information were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following information 's be corrected and removed accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-14 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: NC

Complaint narrative:
XXXX XXXX {$14000.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have had many problems with XXXX and TransUnion in getting my credit report to reflect the accurately reported accounts. The accounts listed below have been problematic since I began disputing back in XX/XX/2020 TRANSUNION - XXXX XXXX XXXX - XXXX - PAID TRANSUNION - XXXXXXXX XXXX  XXXX - COLLECTION/CHARGEOFF - DISMISSED TRANSUNION - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX XXXX XXXX - COLLECTION/CHARGEOFF - PAID XXXX - XXXX XXXX XXXX - COLLECTION/CHARGEOFF - DISMISSED XXXX - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED!

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 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had many problems with XXXX and XXXX in getting my credit report to reflect the accurately reported accounts. The accounts listed below have been problematic since I began disputing back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-14 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: AZ

Complaint narrative:
The list of incorrect information was unknown and erroneous. The information were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following information 's be corrected and removed accordingly. 
EMPLOYER : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief