vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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: CA

Complaint narrative:
Ive submitted disputes to the credit bureaus and nothing happened and I didn't receive any notifications or changes or anything and its been well over 30days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Last week, I had an incident that made me concerned for ID theft - who used my driver 's license to make drafts from my XXXX bank account. while I reported this to multiple agencies, I assume the same person- now made purchases from the Nieman Marcus website using my credit card for items I do not recognize. I did file a fraud report this morning, closed the current card, and locked it. However, I need to report this again - since this is more serious than I realized. These were three purchases that were made each day - I think the person was waiting to see how fast I could find out. 
XX/XX/2022 Neiman Marcus {$1200.00} XX/XX/2022 Neiman Marcus {$590.00} XX/XX/2022 Neiman Marcus {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo closed my credit card account which Ive been a member since XXXX. This happened in XX/XX/XXXX due to the fact that my ex wife filed XXXX. I was not aware or did not remember her being on this account as we were married for 34 years I was never notified by the credit card company that they were going to close the account until we went to use the card for a purchase for a business.they damaged my credit score by closing this account. I have tried to contact the company Multiple times XXXX. I was given a XXXX XXXX and a XXXX XXXX names but neither one of these people will return my call and speak with us. I am so aggravated and its not that I need that credit card but the damage to my credit standing from them closing this account I never filed bankruptcy I was never late I always paid my bill, always on time. If not ahead in for this company to just ignore us like we dont exist, has fired me up, especially the damaging of my credit is unacceptable. I want to hear from these people because they need to rectify their mistake. And compensate me for the damages to my credit Thank you.

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 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I responded to a XXXX ad advertising a house for rent in XXXX XXXX on XX/XX/XXXX, and my boyfriend went over to check out a house XXXX XXXX and XXXX XXXX were renting. He met XXXX and his little kids. It was great and I was really excited they wanted to rent to me. I paid a deposit after signing a rental agreement over XXXX of {$1300.00}. He wanted first and last month 's rent up front, and I only paid him first month ( though tried to pay just a smaller amount, since it was all so offline ). I was meant to move in XX/XX/XXXX. On XX/XX/XXXX, XXXX told me that a better offer had come in over XXXX and asked if I could be flexible, since I mentioned wanting to move in over a variety of dates. I decided I could be, and spent a month waiting for him to update our rental agreement. XXXX always eventually responded, even when I got nervous he was going to ghost me - like when his XXXX messages stopped going through. But then he'd respond to an email, saying he'd get to the rental agreement that day. Eventually he did update the rental agreement, so that I would move in XX/XX/XXXX - XX/XX/XXXX and gave me a free month of rent. Then he never showed up to let me into the house or give me keys. I reported this to my bank on XX/XX/XXXX. They were looking into it as fraud. They said they did not have enough information to prove it was fraud. I have had to spend countless hours on hold trying to reach them to follow up on this and managing my accounts impacted by fraud.

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 2022-11-16 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: OH

Complaint narrative:
Me and my XXXX XXXX XXXX son were customers with Chase bank and recently they told us they were closing our accounts without our knowledge. We both currently have money still in there and they wont release the funds. XXXX called them numerous times, Ive filed with the XXXX and other agencies and no response. Now my utilities are at risk to get shut off due to them not even letting us withdrawal the funds and be done with them. My son has over {$500.00} in his account and I have {$1300.00} in mine. They told my son on XX/XX/XXXX they would mail out a cashiers check but have failed to do so. Im at a loss on what to do I need help ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NM

Complaint narrative:
I began paying on student loans we cosigned for in XX/XX/XXXX. The payments are XXXX for account XXXX ( note id 's XXXX and XXXX ) and XXXX for account XXXX ( note id XXXX ). In XXXX of XXXX I received notice of late payment. I called and was told it was an error on their end and they would put in a ticket to have the error fixed. I was told it had something to do with the resetting of the due date on the loan. I never heard from anyone. I was contacted the following month and told again I was late. I recalled the conversation with the prior customer service rep and was threatened with reporting to the credit bureau. Since that time, I have continued to receive notice of past due payments each month always some vague amount. I've spoken to several customer service reps all agreeing there is something wrong on their end and they'll enter a ticket but nothing has been done and no one has contacted me. I've attached some of the notices I've received with notations on who I spoke with. In XXXX, per their instructions, I sent copies of bank statements showing payments to firstmark had cleared and were consistently made each month. I was told I would be contacted ( again ) in 5 days and heard nothing until another notice arrived in the mail. I again emailed customer service and a phone call last night trying to collect money. I don't know where else to turn. I have been faithfully paying this as you can see by the attached statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
SANTANDER was in a class action suit and it was ordered for them not to report to the credit bureaus concerning accounts. I sent the information in explaining that to them and they didn't respond in the proper manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I was contacted in XX/XX/2022 about a debt that was owed to XXXXXXXX XXXX XXXX. I immediately set up a payment arrangement with the agent to pay the debt off. I set up {$30.00} a week payments for 2 months to pay off the debt. She advised me that since I set up a payment arrangement this would not be sent to the credit bureaus. I received a notification today that this account hit my credit report. It dropped my score XXXX points. I am in the process of buying a home for me and my family so I have been building my credit for the last 12 months. This will absolutely ruin the chances of me buying a home. I called the company ( Conserve ) and the agent was no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Inflection.com, Inc.
State: AZ

Complaint narrative:
After booking a stay on XXXX and submitting my Drivers License for verification Inflection Risk Solutions performed a background check ( I had no knowledge of this being done ) this may be in XXXX  terms of service when you click you agree. The dispute was initiated after XXXX cancelled my booking due to the erroneous case XXXX that I have reported to the CFPB several times on other background check companies that have incorrectly reported the reversed and dismissed case by the XXXX district appellate court of Illinois under order XXXX XXXX The XXXX  are of no consequence no law saying a XXXX  prevents you from paying for an XXXX. Instructions to contact XXXX lead supervisor at XXXX XXXX clerks office were given ( this is a step Inflection Risk Solutions did not even take or they would have known the case was Reversed and the " In Custody '' was erroneous ) and she keeps a record of the companies that reach out after they have been provided the accurate information per the Clerks office, NOT XXXX SEARCHES!

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 2022-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I currently am paying a loan on a XXXX XXXX XXXX XXXX initially financed through Chase Auto, started in like XXXX. I refinanced the vehicle with XXXX XXXX XXXX XXXX in XXXX. On my consumer credit report I am being rejected for financing for my business and personal self due to inaccurate information reported. While I have disputed it multiple times it has been to no avail. The timeframe being reported by Chase Auto as late payments are inaccurate as they received a check in hand in person at a Chase Bank location as instructed paying the vehicle in full and were to release the title and or lien to XXXX XXXX XXXX XXXX. While I initially got a low rate for my vehicle with XXXX for monthly payments that rate quickly skyrocketed because XXXX did not have the tile ot lien to vehicle which Chase Auto keeps alleging they sent directly to XXXX XXXX. Ive tried numerous times with failed attempts to resolve this and have continued to faithfully pay off my loan however why am I paying on a vehicle in which both companies are saying they do not hold title nor lien for? My finance charges increased because of it. I'd like this matter fixed and some type of resolution for this issue. My consumer credit report has taken hard hits due to the negative reporting and it even caused me to lose out on thousands because initially XXXX approved me with a pre approval check for a work vehicle that they quickly rescinded while I was in the dealership signing contracts for it. My consumer rights I am sure are being violated in more ways than one by one or both of these banking institutions and I have decided to take this matter up a level in hopes to resolve it. I hope to hear back soon. My vehicle was over XXXX when loan started with Chase it was at about XXXX plus when refinanced with XXXX it is now paid down to about XXXX and yet no title or lien it also caused me to have to pay way more money when going to dealership to get vehicle sticker as both companies deny having title to vehicle. While XXXX is receiving payments as lien holder I have no documentation in support and am being charged more over a missing title which was to be exchanged between the XXXX banks. I have neither missed any payments nor been late on any payments and to have such negative activity reported has caused my family and I great loss as a consumer. Of course the check proof would be perfect evidence of the time chase recieved it from me as payment from XXXX and an actual title on hand would be all the evidence all parties need for resolve but none can be provided. I also reached out to chase several more times on recorded line where they had other issues on my credit with errors that they had since corrected and then this one pops up years later and they refuse to properly investigate it or provide supporting proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TX

Complaint narrative:
This creditor XXXX XXXX XXXX is reporting a fraudulent account, I did not do business with them and the data they are reporting is outdated and inaccurate. I sent out letters disputing their claims, but I did not receive any response from the bureaus.

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 2022-11-16 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: TX

Complaint narrative:
This creditor XXXX XXXX XXXX is reporting a fraudulent account, I did not do business with them and the data they are reporting is outdated and inaccurate. I sent out letters disputing their claims, but I did not receive any response from the bureaus.

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 2022-11-16 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: TX

Complaint narrative:
This creditor XXXX XXXX XXXX is reporting a fraudulent account, I did not do business with them and the data they are reporting is outdated and inaccurate. I sent out letters disputing their claims, but I did not receive any response from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CA

Complaint narrative:
I have sent this letter months ago to the credit bureaus and did not receive any notices or responses regarding my concerns on my credit file

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 2022-11-16 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: PA

Complaint narrative:
I have been reaching out to XXXX XXXX for almost the last three years about this loan and I'm still getting the run around with no clear cut answers on why there is still a loan balance on my credit report. The loan was paid in full by my insurance and the remainder by my gap insurance. I recently got in contact with someone from XXXX XXXX about the loan and was told that I would be reached back out to. The only thing that occurred was a {$780.00} decrees in the balance ( {$2400.00} ) to ( {$1600.00} ), still with no proper communication as to why there was a balance ever to begin with.

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 2022-11-16 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: PA

Complaint narrative:
I have been reaching out to XXXX XXXX for almost the last three years about this loan and I'm still getting the run around with no clear cut answers on why there is still a loan balance on my credit report. The loan was paid in full by my insurance and the remainder by my gap insurance. I recently got in contact with someone from XXXX XXXX about the loan and was told that I would be reached back out to. The only thing that occurred was a {$780.00} decrees in the balance ( {$2400.00} ) to ( {$1600.00} ), still with no proper communication as to why there was a balance ever to begin with.

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 2022-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I stayed on the line for almost an hour for someone to even pickup so I can discuss my account and what terrible and UNPROFESSIONAL customer service. The rep had no idea how to address any of my questions and started to just LIE to provide answers. How am I supposed to receive any clear answers when Mohela 's reps are this unprofessional and not even trained for this role. SUCH a SHAME. I need clarification for my public service loan forgiveness and I do not know how to even have any of my questions addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CAPITAL ONE BANK CLOSED MY CHECKING ACCOUNT WITH ONLY AN EMAIL NOTICE AND WOULD NOT GIVE ME A REASON. THEY ARE HOLDING MY FUNDS AND NOT RETURNING MY MONEY TO ME TO THE TUNE OF {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loan Number XXXX Reference : Mortgage XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

My loan was sold from XXXX due a bankrupt ; when the transfer the loan they missed transfer two months payments.

Ive contact new bank LOAN CARE since they claiming 3 months pay they advise me not to worry theres 3 months period and will start an investigation not pay the months in dispute until they finish all investigations. 
In the meantime I've sent several documents even the bank manager called directly from the bank confirming every month an automatic payment was sending to XXXX After almost a year LOAN care respond to me saying they can't collect the two payments and I have to contact directly to XXXX and they report me late all the time the investigation last. 
I've contact XXXX and finally send me a check with the two months they missed sending to loan care bank Ive trying to explain LOAN CARE this mistake and im not responsible each time I claim they adding an extra month even though the mortgage is been transfer to another bank two years ago. 
Im XXXX  citizen Im sure this discrimination to me since this happening Im contact the XXXX  citizens lawyer in my district to help me to get justice Im attaching plenty of evidence of what im saying PLEASE HELP 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 explanation