vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had an auto lease with XXXX XXXX XXXX they are a division of the XXXX XXXX XXXX that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the 3 credit bureaus to no avail. I have written XXXX letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: NY

Complaint narrative:
I had an auto lease with XXXX XXXX XXXX they are a division of the XXXX XXXX XXXX that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the 3 credit bureaus to no avail. I have written 2 letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.

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 2022-07-26 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I had an auto lease with Kia Motors Finance they are a division of the Hyundai Capital America that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the XXXX credit bureaus to no avail. I have written XXXX letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX, XXXX, XXXX, XXXX, T Employer : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXXXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX54 XXXX XXXX 737917 DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXXXXXX 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 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have asked Transunion to validate XXXX XXXX account reporting as derogatory. Transunion nor XXXX XXXX  has not been able to furnish a signed contract validating the debt obligation after multiple dispute attempts.

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 2022-07-26 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: FL

Complaint narrative:
For many years after I completed school and entered my profession ( XXXX XXXX XXXXXXXX ), I called Nelnet faithfully every year. Every time I called, I explained that I am wanting to complete my XXXX years in order to fill out the application for the XXXX  Loan Forgiveness. I asked if I was doing everything correctly and if I needed to do anything else. Every year I was told I was on the right path until XXXX. The representative advised me that I could do a loan consolidation. I reiterated that I wanted to do the Teacher Loan Forgiveness and did not want to do anything to jeopardize that. She advised me that the consolidation loan would not hurt me in any way. When I completed year five and filled out the application, I was denied!!! After many many attempts to receive an answer that made sense, a manager explained to me that within that loan I combined two different types of loans ( subsidized and unsubsidized ). One of which can not go under the XXXX  Loan Forgiveness. For this reason, it is all denied!!! I was devastated to say the least. I spent many years ensuring that I was doing the right thing for someone who did not know what they were talking about to mislead me!! I was told " There is nothing we can do. '' They advised me that they can see that I called every year!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I have been watching my credit scores closely, and on XXXX found out someone fraudulently changed my address to an address in XXXX, XXXX, Which I live in Illinois and have most of my life, and charged a bunch of charges on my milestone Credit card account over {$1300.00} under my name. The reason I knew something was wrong was because my score was XXXX on XXXX and it dropped down to below 580 on XXXX. Also I had paid the account completely off in XX/XX/2022, so I knew something was really wrong. 
So I called the credit card people, and I have filed a Identity theft report with the FTC on XXXX. 
I need to put a fraud alert on my accounts and on my social security #. 


Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OH

Complaint narrative:
Debt collection is trying to collect {$67.00} for my utilities of WiFi through XXXX XXXX when I know that all of my bills has been paid off when I returned the WiFi equipments. I asked the company if I owed anything at the time of cancellation and equipment return if I owed anything and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I need a confirmation letter that the trust was closed. 

When I call I get no answer. 

here is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Was the trust was terminated in 2007? 

This bank won't respond to my letters or calls and created a cloud in court

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
this complaint is on Transunion and their unfair procedures that they hav been doing for months now on account XXXX XXXX XXXX XXXX XX/XX/2022 I sent Transunion a dispute based on the fact that transunion XXXX and equifax are all reporting a different running of reporting expiration period. by all 3 agencies reporting a different expiration date it is manipulating this account to be legally removed on 3 different dates. to my undestanding there is only one runnning of reporting expiration period under the FCRA 15 U.S.C 1681c ( c ) Running of Reporting Period.

transunion has sent me 2 different updated dispute results with two different dates but with the same file number. to my understanding if Transunion sent me two different dispute results then they completed two different investigations. if there were two different investigations then why are the file numbers the same? there is still inaccurate reporting on these results too. the estimated month and year this item will be removed still does not prove to be accurate when it comes to the payment history. the inconsistent information reporting is causing this account to be proven to be inaccurate and transunion keeps playing games. where are they getting this information from when I have never received correspondence from the creditor verifying they have disputed with the consumer reporting agencies based on my dispute. 

I took it upon myself to check all my transunion dispute results and I noticed that Transunion has been using the same file number since XX/XX/2022 when it comes to them sending me correspondences. this is not fair procedures that Transunion is committing against me. transunion is violating 15 U.S.C 1681 ( b ) Reasonable Procedure and also violating the respect for my right to privacy under 15 U.S.C 1681 ( a ) ( 4 ) I included copies of my reports they sent me. 

file number XXXX date issued XX/XX/2022 file number XXXX date issued XX/XX/2022 file number XXXX date issued XX/XX/2022 file number XXXX date issued XX/XX/2022

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 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I've had checking account with Chase Bank since 2020. My monthly deposits avg {$3500.00}. 
I also own few stocks products, and a savings account. Chase amasses great revenue and number of account open due its partnership with XXXX in 2020, which requires drivers open Chase checking to receive their earnings.

Chase has been changing their way to operate, although I was never communicated about these changes, nor receive a document with the new terms.

What changed : Chase is using negative sign in my savings account when the funds available is used to covered checking transactions - you can see the screenshot - instead of savings going to XXXX balance, Chase now use negative sign, such - {$25.00} if the {$25.00} were transferred to checking.

The call center is now located overseas, and my information such phone number and ssn everywhere now, with repeatedly scam texts received.

The overdraft fee frequency : Chase decided that no longer use {$50.00} cap to issue an Overdraft fee, and I have one single {$34.00} dollars overdraft fee for every {$5.00} charged : that is I have 3 x {$34.00} posted overnight for {$5.00}, {$6.00}, {$17.00} charges posted overnight over XXXX I had month Chase charged XXXX overdraft fees ( {$300.00} ) without using the proper procedure as described in the contract.

Good thing is that with that I wake up and look to another bank to join.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I just found out about this agency from an article in a realtor magazine. My issue happened ten months ago. I applied to refinance my mortgage with United Wholesale Mortgage. I found a local mortgage broker on their website. I contacted him and submitted the requested documents, after a time I was told I was approved but would have to pay for a new appraisal, which I did. After the appraisal was completed XXXX ordered the title work from the closing attorney and set a closing date. That day was on a Friday so on the preceding Monday I closed out a my line of credit in preparation. I spoke to the closing attorney to see if I needed to do anything else and was told no. A few days before closing the attorney said the mortgage company was not responding to her request. She informed me the loan would not close on Friday. On the following Monday she was able to contact someone who said the loan had not been approved. I contacted the company and said your underwriting department ordered title and set the closing date. How could this happen if I was not approved. I got a lot of double talk. I said someone will have to pay the attorney and was told it would not be them. I said I would take them to small claims court, they then agreed to pay the attorney, but said they would not reimburse me for the cost of the appraisal. I also lost my XXXX XXXX line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
National credit system has been on my credit for about 4 years now for {$8100.00}, from XX/XX/2018. Even after Ive told the companies countless times I have not ever stepped foot in The woods apartments in XXXX XXXX. Nor have I ever been to XXXX XXXX. I believe this to be a fraudulent account in collections on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
Sent a wire transfer from my discover bank to the closing company for real estate. Called discover and they said the wire is on the way and deducted from my account. Apparently its under federal reserve review. We are short on time and I didnt even know I was required verification. This was known to me after I had called discover bank..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I tried to use a Capital One debit card XXXX times at a bank in XXXX on XX/XX/2022, but the transactions did not process. A few days later I noticed Capital One had posted that I had withdrawn {$630.00} ( XXXX Euro ) - which I had not. I contacted Capital One and filed a fraud claim. Because of the time stamp on the transaction and the fact it said I had made XXXX withdrawals in less than XXXX seconds from XXXX branches of a bank in XXXX that are XXXX minutes away from one another, I believed someone had my info and was making fraudulent transactions. As it turns out Capital One had decided to pull funds from my account even though the ATM had given me a " Transaction not possible at this time '' message and I never received the money. 

The Capital One customer service people have been less than helpful. I was told my claim was denied and I'd have to prove I did not get the cash. Proving something didn't happen is a difficult task. Well I have witnesses, but that was not good enough for them. I'm being treated like a liar and a thief, trying to scam Capital one. No one at Capital One charged with investigating did anything. The customer service staff is obviously trained to say no to every claim and try to frustrate customers into just giving up. I wonder how much profits are generated by this strategy? I have found online many people complaining of similar issues with Capital One. 

XXXXXXXX XXXX  in XXXX has confirmed the three attempts to make a transaction had each failed. They provided supporting documents, which have been shared with Capital One. So I have witnesses and the bank in XXXX is in writing backing my claim. I never got the money, but Capital One took it from my account. Instead of helping resolve the issue, Capital One just doesn't respond. Why is it that a bank in XXXX that I don't have any relationship with has provided better customer service than Capital One, where I've had an account for more than a decade? 

They took my money in seconds and have not returned it weeks later. Moreover, they have denied my claim even though I have proof I did not receive the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXXt XXXX XXXX bank account XXXX, Has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written signature or instructions to do so.

Company response to consumer: Closed with explanation