vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I'm having difficulty when I contact the RENTCOVER SOLUTIONS at ( XXXX ) XXXX to rectify the situation which is in error by submitting the court report and fact statement. 
I also had contact the XXXX credit report company. I uploaded the information to their site and sent the information via register mail on XXXX to XXXX XXXX XXXX as XXXX demands it in order to resolve the issue on my credit report The XXXX will say I should contact collection agency ( which they don't responded ) and I can't get straight answer from XXXX after uploading the court report paper. 
I called XXXX since they indicate my dispute result is not available on line and I must call them to this number, but its no way you reach any one life to resolve your issue in XXXX or the collection agency after sending all the information requested, via mail or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: WI

Complaint narrative:
I have taken a review of my credit report and notice accounts, address annd phone numbers that werent authorized I havent made any contracts with these companys and I dont recognized these companies. I have filed an identity report and law requires you to remove accounts and addresses with four days. Be advised that this is a serious mater and would like this handled immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I got my new car in 2018 it was a XXXX XXXX. It was purchased in XXXX XXXX Missouri at XXXX XXXX. over the course of the loan since 2018 I have had six payment extensions where I skipped a payment. I also made a few split payments, but I was never late once on the loan now I am being told that at the end of the loan, a.k.a. the maturity date that I will still have a balance due of approximately {$5200.00} Toyota financial services, which is the company in question can not explain where these fees come from with any certainty and is getting outright hostile with me by telling me that its not their responsibility to tell me where the fees come from. I do have a high interest rate on the car which is something that I excepted when I bought it. I would understand if there were some fees involved with extending the life of the loan, but definitely not to the tune of {$5200.00} if I could get some help with this, it would be greatly appreciated. Theyve already tacked six more payments on to my loan as it is so Im not understanding how you can then also double dip and charge interest for the extensions as well when I called them they dont have my loan contract nor do they have any revised contract, showing the new stipulations after the extensions that I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I received a fake text from Phone number -> XXXX ( XXXX ) XXXX Thank you! for choosing PayPal_Inc Your payment for {$540.00} successfully confirmed. ( XXXX ID : # XXXX ) To cancel or Report- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: Auto Trakk, LLC
State: SC

Complaint narrative:
I purchased a vehicle lease from XXXX in XXXX. In XX/XX/XXXX, I was in a motor vehicle accident and the vehicle was totaled out. I did not owe a balance on the vehicle. XXXX has yet to remove this from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Was told that my account would show XXXX balance & stated paid in full if settled a debt a few years ago. Little worried as it shows on my record until 2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Received a phone call from a debt from XXXX  which fell off credit report in XXXXaccording to lawyers office. Getting a court summons through a servers office for a court date. This debt it 23 years old, I don't even remember it from Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Friday XX/XX/2023. I bought a door frame from XXXX 's for {$390.00}, turned out it was the wrong door. So took it back and was refunded {$390.00} from XXXX 's. I then bought the right door for {$390.00}. I checked my bank account and it showed {$390.00} for the first door bought then it showed {$390.00} returned from XXXX 's because of the door I returned and the account showed where I bought the second correct door for {$390.00}. So the money was taken out and then returned and was taken out again. The next day I looked at my account and there were 2 charges of {$390.00} for a total of {$780.00}, it did not show where XXXX 's had returned the {$390.00} nowhere on my account, not even in the pending section. Regions was just sued and lost for manipulation of customer accounts collecting overdraft fees. Of whitch they have do to me over the last 35 years numerous times. They are still doing the same thing. I have never seen not XXXX XXXX from all the lawsuits. I want XXXX XXXX dollars in compensation from them for bank fruad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditors has violated my rights under 15 us code 1681section 602 A state i have the right to privacy.

15 usc 1681section 604 A section 2 also state consumer reporting agency can not furnish an account without my written consent. 

This account i do not recall to be made by me i would like an investigation 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 2023-05-30 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: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditors has violated my rights under 15 us code 1681section 602 A state i have the right to privacy.

15 usc 1681section 604 A section 2 also state consumer reporting agency can not furnish an account without my written consent. 

This account i do not recall to be made by me i would like an investigation 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
This is a " banking '' app that is supposed to be a bank account. I and all my children have accounts through them, so I can use it to pay them for allowance, chores, etc. I opened the app to pay my son and it showed I was logged out of it. When trying to log in it gives me an error message, " Something Went Wrong. Please wait a moment, and try again. '' I have tried wiping all data, uninstalling and reinstalling the app, and I even tried it on another phone. I first contacted support at the end of XXXX. Support has been useless and slow to respond. They have asked me to do the actions I described above, but nothing has changed. They take days to respond, and several times have come back saying they see the problem has been resolved, though it has never been resolved and I have been unable to access my account. They went 14 days since their last communication to me, and then just sent me a message again saying that they saw it was resolved, even though it has not been. Now they have transferred all of my son 's money from his account into my inaccessible account, so neither of us can access our money now. For a banking app, they have been useless for actual banking as we can not access our own money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
HERE 'S THE PROBLEM : Rocket Mortgage has sold the servicing of my loan in spite of declaring on my CFPB Loan Estimate form that they intended to service my loan. 

EVENTS : On XXXX XX/XX/2023, I received and email from Rocket Mortgage notifying me that my loan servicing was being sold to XXXX. M On XXXX XX/XX/2023, I called Rocket Mortgage, and submitted a copy of my CFPB Loan Estimate that Rocket Mortgage generated for me when I was refinancing. 

The CFPB Loan Estimate shows the same Loan ID # as my mortgage. 
At the end of page # 3, the CFPB prompts the loan originator to select 1 of 2 intentions for servicing the loan. The options short and concise. They are : 1. " We intend to service your loan. If so, you will make your payments to us. '' 2. " We intend to transfer servicing of your loan '' Rocket Mortgage selected option # 1. 

I confirmed this intent back when I was refinancing. I ALSO confirmed this on the original note, when I selected Rocket Mortgage as my loan originator over a competitor who did not intend to stay on as a loan servicer. I valued continuity and have heard about disorganized transfers of servicing, so I chose ( and chose again! ) to work with Rocket Mortgage. 

On XXXX XX/XX/2023, Rocket Mortgage had someone from their XXXX XXXX call me back. I stated very clearly that I wanted to stay a servicing customer of Rocket Mortgage and that I did not consent to the transfer-of-servicing. I was told it was happening anyway. I asked if they would ask XXXX to reverse the transfer. The representative said they could not. The representative offered that they would share my complaint with others to initiate a potential review of how this section is filled out for other customers, in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Today is XX/XX/23 I have spoken to a total of 10 people. I have an invalid 60 day delinquent reporting on my Credit report and a high amount Mortgage. I do not have any delinquent accounts, nor do I have a mortgage as I have lived in the same apartment for 16 years. Experian has transferred me back and forth between Memberships and the Dispute Department all of which claim they can not assist me. I also spoke to a supervisor who advised me to call FICO, who told me that don't know why I was told to call them as they could not assist me either. I am VERY frustrated and at a lost. I only want to remove invalid information from my credit report and have received NO help in doing so from the company that is reporting invalid information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: CA

Complaint narrative:
There are several items on my credit report that are incorrect and I have tried several times to get them corrected and it is still there. I have tried calling Experian to speak to someone and they do not answer the phone. The account for XXXX i have disputed many times and have spoken to acima they are stating they contacted experian and have reported this account as closed yet experian has not updated this after several requests made to them. There are also accounts on my credit report that are more than XXXX XXXX XXXX showing negative. ( XXXX and XXXX ). There are addresses on my account that I have requested be removed because they do not belong to me for example the one in Illinois I have provided police reports showing identity theft yet nothing has been done. There are also errors to my name and that has not been rectified either. I tried reaching out to experian but they do not answer their calls. This has affected me getting a home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: CA

Complaint narrative:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of. My information was not investigated properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Payactiv, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX I have lost my payactiv card and it was used for a transaction of XXXX and XXXX .... since then they have been " investigating '' said amounts and also stated they'd provide provisional credits if it took longer on an email they sent... They have not since returned my money. When I call, ask they do is transfer me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
This is related to my 2 previous cases with CFPB. 

XX/XX/XXXX, transferred {$52000.00} from PayPal to XXXX XXXX ( XXXX XXXX ), via ACH transfer ( not via Wire ) XX/XX/XXXX, XXXX XXXX  shows the inbound transfer and interest began accruing XX/XX/XXXX, XXXX XXXX online interface shows a {$52000.00} Payment Reversal. 
From XX/XX/XXXX through XX/XX/XXXX, I have been contacting both banks repeatedly to find this lost money. 
Both banks verbally have been pointing the finger at each other I grabbed XXXX FDIC certificate number, and filed a case with XXXX ( email attached below ). 
Today, XX/XX/XXXX, Ive FINALLY received a response from XXXX XXXX ( XXXX attached ) XXXX XXXX claims PayPal did an ACH debit on XX/XX/XXXX for the full transaction amount. This was never authorized by me. 
As of today, PayPal still doesnt know where the money is. 

PayPal appears to be part of The XXXX XXXX, FDIC XXXX # XXXX XXXX XXXX responded to Office of the Comptroller of the Currency, Case Number XXXX on XX/XX/2023 XXXX XXXX claims in the attached document PayPal debited XXXX XXXX on XX/XX/XXXX, with transaction trace number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I woke up this morning to emails saying I applied for credit cards by the following companies. Wells Fargo and 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 2023-05-30 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear Official, My name is XXXX XXXX and I am an American express loyal member. I am writing this with great hope that I will get some help. 
I started using Amex credit card since last year. I booked my air tickets for XXXX in business class in XX/XX/XXXX for travel in XX/XX/XXXX using Amex travel benefits. I was all set for my trip but when I checked my tickets before travel, it showed that my tickets and my hotel reservation was cancelled. I did not get any notification prior to cancellation nor refunds. I called Amex customer service, they were clueless about this, they had no idea what had happened and why were the tickets cancelled. 
The only option I was provided was to buy new tickets which were more expensive I had to pay {$900.00} extra and that too not in business class, in economy premium. They said that we investigated the case and its due to fradulent activity which they are not responsible for. 

This is very disappointing, the only reason i became a member of Amex was their travel benefits. Now it seems a scam to me. 
The customer service is not helping at all. Nobody has helped me in solving this issue. The worst part is, I wasnt informed at all. I didnt expect this from a highly reputed company. 
On the otherhand, When I spoke to one of the customer care service representative regarding my hotel reservation cancellation and requested them to find out what had happened they lied to me saying that they are not able to contact the hotel.Later they called me and said we can give you courtesy XXXX $ for inconvenience which I refused to take. At this moment, i would expect that Amex should feel responsible for the loss I faced including the cancellation of my tickets without informing me with no refund issued. Even if its a fradulent activity, they should be aware of it and should compensate/share the loss with me. 
Thanks in advance. 

XXXX XXXX Amex credit card # ( last 4 ) -- XXXX. 
Trip ID XXXX.

Company response to consumer: Closed with explanation