vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I enrolled in a Chase credit card promotion. The promotion ran from XX/XX/XXXX to XX/XX/XXXX. Customers could receive up to XXXX bonus points in increments of XXXX. I spent over {$5000.00} during the promotion period, and I was expecting XXXX points in my account. In early XXXX I sent a message to Chase, inquiring when my XXXX points would be credited. It had been over 60 days after the promotion ended. Chase responded that I had not enrolled in the program. I enroll in every Chase promotion that I can achieve. How would I know the details of the promotion, unless I enrolled in the promotion?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally complain about Experians ongoing failure to provide information regarding the verification of data that I have disputed in my credit report. I have made multiple requests asking for an explanation and documentation on how the disputed information was verified. Despite my repeated efforts, Experian has failed to provide the necessary details, which I believe is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I am entitled to receive a clear and accurate explanation of how the information in my credit report was verified. Your failure to comply with this legal obligation is unacceptable and has caused me significant frustration and inconvenience. 

To resolve this issue, I request that Experian immediately : Provide a detailed explanation of the procedures used to verify the disputed information. 
Supply any supporting documentation obtained during the verification process. 
Remove the disputed information from my credit report if it can not be properly verified. 
If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to address this clear violation of my rights under the FCRA. 

Please consider this letter a formal request for prompt resolution. I expect your immediate attention to this matter. 

Thank you for your cooperation.

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 2024-08-23 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: DC

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I in person have active frozen checking accounts numbers globally locations international in XXXX XXXX XXXX XXXX. 

XXXX. I was mug, and all checking accounts numbers globally locations international was stolen in the united states. 

XXXX. Frozen accounts, if open remain active globally locations international.

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 2024-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-08-23 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: W&A Intermediate Co., LLC
State: MN

Complaint narrative:
By law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete.

looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and XXXX must delete these items from Credit report immediately. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
By law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete.

looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and XXXX must delete these items from Credit report immediately. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MIDFIRST BANK
State: NY

Complaint narrative:
In XX/XX/XXXX we put the house in market for sale and the two borrower on loan agreed to sale the house we move out the house since the realtor want to do the open house in XX/XX/XXXX we had the closing and the loan was paid in full with all the remaining payments Midland Mortgage reported they are missing 60 Days late payment to my credit report i reach company multiple time and send the proof for all the payments were made at the closing and Paid in Full letter from Midfirst Bank Midland Mortgage and requested to remove the false claim the company adjusted on one borrower credit report and completed deleted from his credit report that he never had business with Midland Mortgage surprisingly since borrower is the brother of mine he send me his credit report that Midfirst bank delete the Mortgage from his credit report and his credit report showing no mortgae and late payment I wrote the letter to the bank explaining the situation since they resolve the problem for one of the borrower why are they discriminating me but company response is our report is accurate we cant help you with this matter any further now I seek help from consumer finance to help me with matter and stop the Midland Mortgage by doing such an unfair credit reporting I have kids and I am first responder and looking to buy a house because of this unjustifiable act by Midland Mortgage my credit report showing Negative history I am very responsible person if you can see my credit history i have never in Past 14 years either make late payment or in Bankruptcy Please help me with this matter I would really appreciate it 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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
I have asked Mohela multiple times not to place my account into forbearance because I am working towards PSLF & they have done exactly that 4 times now. It is impossible to get anyone on the phone. Messages sent do not get a response. I have been moved from servicer to servicer for my student loans, but this has been a complete disaster & is just getting worse by the day. 

MOHELA is terrible at servicing student loans. Borrowers routinely document egregious servicing failures, including hours-long wait times to get help, delayed and lost paperwork, and incorrect information across MOHELA 's website, email communications, and social media. They have a complex call deflection scheme, which diverted borrowers away from help, even when it knew that millions of borrowers had problems that could only be solved by a live person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are multiple fraudulent accounts on my credit reports. There are a lot of inquiries that were not made by 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 non-monetary relief
Consumer complaint received 2024-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are multiple fraudulent accounts on my credit reports. There are a lot of inquiries that were not made by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I made a ACH payment of {$100000.00} to pay against my credit card with Wells Fargo. That was made on XX/XX/year>. For an unknown reason, they reversed the payment but never put it back in my checking account. They are holding on to it for 11 days. They have no explanation as to why this happened.

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 2024-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, I contacted this company, XXXX XXXX, via email to XXXX, upon the recommendation of a friend. I wanted to buy a 20 ft container. XXXX XXXX replied by email on XX/XX/XXXX, quoted {$2300.00} full price w delivery and sent me an invoice for me to pay 50 % in advance. That same day, XX/XX/XXXX, I paid by wire transfer because they wouldn't take credit cards ( MY HUGE MISTAKE. I only trusted this because I thought my friend had used them. Turns out my friend had not actually gone through with his transaction, but is still in discussion with them ). 

On XX/XX/XXXX, XXXX XXXX emailed me from XXXX and said he didn't have the money yet ( though I could see that the money had already left my bank account ). I told him I would meet him in person. I drove to the address ( XXXX XXXX XXXX XXXX, XXXX ) and there is nothing there. 

When I was on my way to their office I called and the number was very odd ( nothing about XXXX XXXX, it just went to a XXXX voicemail ). I hung up and a guy named XXXX with a foreign accent called me back. I asked to speak with XXXX XXXX and he said he had stepped out but would call me back. I said never mind, I just wanted to let him know I was five minutes away. XXXX tried to talk me out of coming to the office and when I was almost there I asked him to confirm the address and he hung up on me. When I tried to call him back I now get " The person you are trying to reach is not accepting calls at this time ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are multiple fraudulent accounts on my credit reports. There are a lot of inquiries that were not made by 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
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Pioneer Recovery They falsely represented the IRS stating they had a debt of {$560.00} and that they were going to garnish my paycheck to get said debt. I asked him to stop calling me. Lets talk by written or male direct mail to send me the purchasing agreement and a wet signature for this debt. I was told by the representative since you wont give me any information I cant give you any information. Have a nice day XXXX end of the statement this phone call was XX/XX/year>.

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 2024-08-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX, I sent two checks to XXXX, OR to pay the student loan off in FULL. The checks were received the following day ( XX/XX/XXXX ) and cashed/deposited on XX/XX/XXXX. 

The checks never posted to my account. I called several times and spoke to several people. 

XXXXOne of the checks posted to my account but it should have been two checks because I was paying off the loan in full. It totaled over XXXX XXXX. 

No one can give me answers as to where the other money is and I am afraid that if this is delayed, it could possibly affect my credit.

I have attached the front and back copies of where the checks have been deposited or cashed.

My name and the Nelnet account was placed on the front of both checks that were made out to the Department of Education.

Any assistance that could be provided would be of great help.

I have good credit scores and I do not want them to be adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I called to make a payment and do a modification and the rep had an issue which resulted in him having to create a ticket which resulted in my account being marked 30 days past due on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
XX/XX/XXXX I contacted dealership out of state NJ ( XXXX  XXXX XXXX ) about memorial day sales. Car was priced at {$17000.00}. Told them I've been denied for loans and trying to get 2 year term. They asked how much do I plan on putting down & I said half. Few hours later told me he got it approved just waiting on stipulations. 
XX/XX/XXXX made the down payment of {$8500.00} & {$600.00} for insurance XX/XX/XXXX I paid {$1000.00} for a transporting service. 
XXXX I've been trying to make contact for days. They told me since I sent the money that finance will contact me.finally received response asking for insurance address.i sent them all insurance information on XX/XX/XXXX. Told them you've had my money this whole time and you still haven't had finance call me or terms set. I immediately told them to send my money back.i asked them NUMEROUS times and no response. I then told them this has become a legal issue and contact my attorney and gave them name & number of attorney. 
XXXX I received a call asking what day is your transport. I got irate and told them in a few hours.my transport service said they been contacting dealership and dealership won't release them the car. Days later they Said we're overnight you paperwork with an overnight label. Just hurry feel them out so we can release car to transport. I instantly got a cab when paperwork showed up.i opened envelope at XXXX XXXX. I had cab outside waiting.i opened up envelope and price isn't what I purchased at. It says {$25000.00} on this paper you sent with charges like {$1700.00} for lost keys etc. he said no that's just was sticker price. The other forms are you agreeing to release car and that I sent proof of insurance.I feeled the paperwork with dealership on phone. Mailed envelope.days later I asked again for terms and copy of contract. I received personal injury month of XXXX and due to my XXXX I can't have over {$2000.00} in my account. One of the main reasons I kept requesting my money back. 
XX/XX/XXXX I received car. When my first payment came it had different price on the loan and I never knew name of lenders or interest rates. Dealership literally got upset and said they would beat me up if I was in that state. Kept calling and calling about price & 27.9 percent Apr & {$33000.00} in interest. Last time I had spoke with them the dealership said stop calling.Person I spoke with said, I'm going to keep it real, you got, got & what is done is done & hung up.attorney said it seems they had you sign them power attorney and that you can't dispute any legal actions. I'm in a huge bind & was told it's best to contact you as wel please help in any way possible. That same dealership has sold 2 more cars since then with exact same photos & price.

Company response to consumer: Closed with explanation