vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Sezzle Inc.
State: ID

Complaint narrative:
The Sezzle account on my XXXX shows that I still owe {$190.00}. That is not accurate. I have paid that account off in full and closed. It is updated on XXXX and XXXX but Sezzle refuses to update the account on XXXX. I want that removed from my XXXX credit report or updated to {$0.00} as the balance and closed

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: IA

Complaint narrative:
My student loans were all discharged through XXXX XXXX XXXX XXXX XXXX lawsuit. I have been calling the Department of Education and Nelnet for several months trying to get my loans that were supposed to be discharged straightened out. I have filed complaints, requested call backs, asked to escalate the issue and asked several direct questions and I GET NO answers. Every time I call, I am told it takes time, call back in a month, keep checking your account. My servicer has stated that have received notification from the Dept of Ed that all of the student loans are to be discharged. My servicer will not move forward and discharge my 2 student loans that remain because they say they have not received payment from the Dept of Ed to discharge them. The Dept of ED states that all of my loans are coded as being discharged that there is nothing further that they need to do to reach out to Nelnet. I have uploaded documents and get no response. The Dept of Ed points the finger at Nelnet and Nelnet points the finger at the Dept of Ed. They have been given a full year to have all of this resolved and to have all of the student loans removed from my credit report and failed to do so. I have been told don't worry about it by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XXXX, I spoke with XXXX XXXX of The Wells Fargo Executive Office Case Specialist Office and she informed me that she was speaking to The Bankruptcy Team in regards to a Court Modification. I am concerned about this process because Wells Fargo refuses to adhere to agreement to Modify my home immediately without Trial Payments and remove the total arrearage payments for the years XXXX. This is Obvious Discrimination. Why am I regulated to Bankruptcy and continued destroyed Credit which has been the case for over 10 years when Wells Fargo did not honor it's agreement. My loan is also PREDATORY and The original closing Documents from XXXX XXXX XXXX  XXXX which clearly demonstrates I was not in Foreclosure is evident and dated... Americas Service Company a subsidiary of Wells Fargo had this information all along and ignored the facts when they placed me in Foreclosure. As a result, Wells Fargo knew years ago. Yet, Wells Fargo refuses to rectify the situation. I am in the process of submitting the required retainer to obtain a Law Firm who is Finally able to assist with attaching my case to several Class Action Law Suits and obtaining the services of The Justice Department Finally.. I will upload The Stamped XXXX Letter proving my claim this Afternoon.

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 2024-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Jefferson Capital Systems , LLC regarding their handling of the XXXX XXXX XXXX auto loan account on my credit report. The lack of notification, inaccurate reporting, and failure to provide appropriate documentation have raised serious concerns. 

Violations and Requested Resolutions : 1. FCRA 623 ( a ) ( 8 ) - Lack of Notification : Jefferson Capital Systems , LLC failed to notify me of the XXXX XXXX XXXX account, a direct violation of the Fair Credit Reporting Act. 
2. FCRA 623 ( a ) ( 2 ) - Inaccurate Reporting : The inaccurate reporting by Jefferson Capital Systems , LLC regarding the XXXX XXXX XXXX account warrants immediate correction and deletion under the Fair Credit Reporting Act. 
3. FCRA 609 - Failure to Provide Documentation : I have not received any letter or documentation from Jefferson Capital Systems , LLC regarding the XXXX XXXX XXXX account, as required by the Fair Credit Reporting Act. 

I demand : Immediate removal of the XXXX XXXX XXXX account, reported by Jefferson Capital Systems , LLC, from my credit report due to these violations. 
A comprehensive investigation into the lack of notification, inaccurate reporting, and failure to provide documentation by Jefferson Capital Systems , LLC. 

Your prompt attention to this matter is crucial to rectify these violations promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
This what not me who made this inquiry this is fraudulent and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX account # XXXX Please investigate and Provide Proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to on-time payments, as they should be, as I was never late. 
thank you for your time and understanding, have a blessed day.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2024-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: FL

Complaint narrative:
XXXX XXXX ( available funds over XXXX ) has had a block for no reason. I worked for XXXX XXXX who has their own card with Netspend. I have emailed the requested information twice ( copies of drivers license, a bill and even my passport ). This is an ongoing issue. I have had this card for over 10 years. Can not access my funds ( withdraw or transfer money ). I have been attempting to correct this for 1 year. Since XX/XX/XXXX I have contacted them 4 times because I need my cash. I was told that my block has been removed ( once in the week ending XX/XX/XXXXXXXX  and the last time on the week ending XX/XX/XXXX. I called on XX/XX/XXXX and was on the phone for a total of 55 minutes. 37 minutes on hold for a supervisor. This is a common business practice. I had asked to speak with a supervisor to have an explanation of why my card was on hold, not able to access my funds and not able to transfer my funds to an active card ( a 2nd card with them and I am also a preferred customer through XXXX XXXX ). Also wanted to know why they would charge me {$5.00} plus to receive a check by mail when the problem is due to their error and administered by them. I was on hold for 30 plus minutes and the system decided to hang up on me. It is also important to note that I am aware of their business practices that generate additional income and this is one of them. If you generate the nationwide data for customers who have had their cards blocked and refunded the funds by check with a {$5.00} plus fee, the number would surprise You. But there is a great deal more. I have actually met customers ( XXXX ) who live in a home and where not able to access their funds and not able to get their funds by check because they did not have an approved address.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
no knowledge if this hard inquiry and hard inquiries is a result of identity theft and must be removed within XXXX and XXXX hours XXXX business days 15 U.S code 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Experian and XXXX for egregious mishandling of the XXXX XXXX XXXX auto loan, Account Number XXXX. Their persistent violations have allowed this account to report as a charge-off for an unjustifiable two-year duration. 

Multiple Violations and Relevant Laws : 1. FCRA 623 ( a ) ( 2 ) - Inaccurate Reporting : Both credit bureaus failed to correct inaccuracies, enabling the continued reporting of an unjust charge-off status. 
2. FCRA 611 ( a ) ( 7 ) - Lack of Verification : Experian and XXXX neglected to verify the accuracy of the reported charge-off status, violating FCRA Section 611 ( a ) ( 7 ). 
3. FCRA 611 ( a ) ( 5 ) - Untimely Updates : Monthly updates as a charge-off constitute untimely reporting, directly violating FCRA Section 611 ( a ) ( 5 ). 

4. FDCPA 807 ( 8 ) - Harassment/Abuse : The repeated, unjust reporting constitutes harassment, violating the Fair Debt Collection Practices Act. 

XXXX still contacting me to pay different prices but it has already been written off I demand the immediate deletion of the XXXX XXXX XXXX account from my credit report due to the severe and continuous violations listed above. I expect a thorough investigation into this matter and swift corrective action. 

I appreciate your urgent attention to rectify these severe violations. 

Sincerely, 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
no knowledge if this hard inquiry and hard inquiries is a result of identity theft and must be removed within XXXX and XXXX hours XXXX business days 15 U.S code 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, I was gifted a {$100.00} visa gift card from Vanillla Gifts as part of a baby shower. I went to use the the card on XX/XX/XXXXXXXX  and there were only {$1.00} left. I reached out to Vanilla Gifts and filed a claim on XX/XX/XXXX to which I was told could take 90 days. My claim is : XXXX. 

I followed up with them nearly every 6 months since and it has been over 2 years now without a response or update from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I deposited via certified mail, four money orders of {$500.00} each. As ordered that I do so as the only way to deposit money orders in Ally Bank by a message from the bank. Total {$2000.00}. They were marked as deposited on XX/XX/XXXX  at XXXX. Then they were marked as " check paid '' at XXXX. In other words they were taken out of my account against my will. 

I have called four times to XXXX. On XX/XX/XXXX and XXXX. Spoke to XXXX after he put me on hold for 42 minutes to " check '' with someone. He told me the funds would be returned to my account on that day. They were not. 

Then I spoke to XXXX on XX/XX/XXXX at XXXX ( was put on hold while she " checked '' and subsequently disconnected after 30 minutes ) and then with XXXX XXXX XXXX on that same day. XXXX told me that they were " checking on it '' " they '' would get back to me. I called again on XX/XX/XXXX and spoke with XXXX at XXXX. He again " checked '' and told me someone would contact me. I have heard nothing since and am very distressed to know what happened to my {$2000.00}. Nobody at this bank can tell me. There is no " supervisor '' to talk with to help get this resolved. I am an infirm XXXX  citizen and this is making me lose sleep from the stress. I dont see any alternative but to try to lodge a complaint to get my money.` Please help me. I have to pay my bills with this money.

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 2024-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
This is regarding my serious concerns about what happened with the closing of HELOC refinance # XXXX ( Settlement Date : XX/XX/XXXX  ). 

At closing, the amount of {$13000.00} ( Section XXXX ) was kept on the side ( attaching settlement document for reference ). This is the amount for which I am trying to get the transaction trail. I followed up with different parties to get answers. 

Reconcile process? 

Usually there is a rigorous reconciliation process for each dollar that gets distributed. If so, how can a big amount like this be missed during the reconciliation process? I already have the details of what the Title company received and the amount distributed from their side. The Title company didn't receive this amount in their net wire amount. 

o This raises questions about your reconciliation process and concerns about the whole thing. This needs to be investigated. 

Escrow Requirements? 

We didn't have the official Escrow setup for this transaction ( Usually there is no Escrow by default for HELOC transactions anyway ). Then why the money was collected and no one told anyone about it? Even if the money was collected in the name of Property tax then why there was no communication about it? As a Lender, you need to communicate for any amount you collect and disburse. 

No Follow-up or an official response regarding this from CMG since the closing day ( It is more than 50 days now ).! 

There was no even initial response to my emails after closing. I finally called up my loan officer and I was told that they would talk to the closer. But nothing after that. 
Till date there is no official response yet and no one knows what happened. 

At this point, I am requesting an official investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: MN

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Mentioned XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX Suspect : XXXX  XXXX On XXXX XX/XX/XXXX XXXX XXXX was provided a Visa debit card by XXXX XXXX. Card number ( redacted ) was issued by XXXX XXXX  XXXX XXXXXXXX XXXX. Account access was secured by password. Transactions were secured by a four digit PIN. 

On XXXX XX/XX/XXXX XXXX XXXX had a credit balance on that XXXX account of {$190.00}. 

At XXXX on XXXX XX/XX/XXXX XXXX online transactions from XXXX XXXXXXXX posted to XXXX XXXXXXXX XXXX XXXXXXXX Account . There were also debits to XXXX XXXX 's account for corresponding transaction fees. 

By XXXX on XXXX XX/XX/XXXX XXXX XXXX 's XXXX account balance was a XXXX  cent debit. 

None of these transactions were with the knowledge or consent of XXXX XXXX. 

The total loss is {$190.00} The transactions were discovered by XXXX XXXX on XXXX XX/XX/XXXX. A report was made to XXXX on XXXX XX/XX/XXXX. An affidavit was provided to XXXX on XXXX XX/XX/XXXX. 

XXXX Security has indicated they are disputing the charges on behalf of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Improper use of credits and violations of 1974 privacy act, XXXX XXXX XXXX dollars for damages claim demand

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 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, XX/XX/XXXX between the hours of XXXX - XXXX XXXX  in the afternoon XXXX  I went to the ATM to deposit my money from Workman 's Compensation at the CHASE BANK on the corner of XXXX XXXX  XXXX and XXXX XXXX. XXXX XXXX California We counted out the money and then went through the process to deposit. The ATM took the money and the machine ( ATM ) began to roll around and around and in about a minute a message came up that there was a problem with one of the bills and so we waited for it to return the money. The ATM continued to roll and grind and then suddenly the machine shut down taking the money but not issuing a receipt. 

I panicked and tried to call the CHASE customer service which was closed. I stood there crying at the machine hoping and praying that the money would show up and be on my account but nothing happened. Another CHASE customer came by and wanted to use the machine however I was standing there crying and she assured me that CHASE would be able to see that the deposit was in fact made and that they have VIDEOS and CAMERAS that will show our transaction. 

I've called filed a claim, I've gone in and spoken with the Bank Manager and they tell me that they DO KNOW that I attempted a deposit but never made it. They say that they didn't find an extra {$300.00} which was XXXX XXXX XXXX DOLLAR BILLS. 

I asked for them to look at their videos and cameras which they told me they don't do. 
What!?!?!?!?!? 

If the bank had been robbed or an incident happened at the ATM they would easily pull up the camera. We STOOD THERE COUNTING the money out before it was put in the machine. I'm out of {$300.00} very much needed and depended on money because they aren't doing their due diligence to locate it. How do I know what happened after the OTHER SIDE employee emptied the machine. 

Please for life 's sake help me here. CHASE doesn't care. 

Best always, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  XXXX XXXX sent a incorrect credit file to my credit report resulting in damage to my credit score ( inaccurate late payments and other information ) I have never been late and have the statements to prove it ( XXXX  is XXXX credit card ) They have not corrected the issue Transunion has not corrected the issue Neither have the other credit bureaus Even with sending in evidence including my credit card statements and a email stating they sent the wrong file they sided with a incorrect report even with the evidence The companies are not investigating properly causing damage to my credit report

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