vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, 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:
Received multiple credit inquiries on my account that were not made by me. Here is the list below. Ive put a freeze on both my XXXX and Experian credit reports as of right now. 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/2021 2021

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 2021-11-02 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: TX

Complaint narrative:
I mailed letters to all three credit bureaus on XX/XX/2021 to file disputes on incorrect information on my reports. Ive attached a copy of my XXXX letter as an example. I informed them of the incorrect information on my credit and requested that the items be removed, however I havent received a response from the credit companies within a timely manner which goes against their own company policies, and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
I mailed letters to all three credit bureaus on XX/XX/2021 to file disputes on incorrect information on my reports. Ive attached a copy of my Experian letter as an example. I informed them of the incorrect information on my credit and requested that the items be removed, however I havent received a response from the credit companies within a timely manner which goes against their own company policies, and 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 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My account was charged by XXXX for the violation of the Acceptable use Policy of {$3100.00} without a valid reason. 
Transaction Date : XX/XX/21 Amount : {$3100.00} Transaction ID : XXXX XXXX. There was no violation from my side. I sold an item on XXXX, a 100 % authentic XXXX XXXX, and received POSITIVE feedback from the buyer - Transaction ID XXXX XXXX. To protect from any problems, XXXX put a hold for 180 days and I received a letter that I can withdraw my money if during 180 days no issues arise - THERE WERE NO CLAIMS OR ISSUES- I HAVE GOT A POSITIVE FEEDBACK - AND THE BUYER IS HAPPY 3. I did not Violate any of the terms of the Acceptable Use Policy and this transaction caused ZERO damage to any party involved.

I would like you to check all the records and positive feedback to see that nothing was violated. Cancel this withdraw that was made by mistake and return my money back so I could withdraw them and close my account. 

Otherwise, will I have to use legal enforcement : - I will join a class-action lawsuit - I will submit a complaint to CFPB ( Consumer Financial Protection Bureau XXXX and XXXX - I will file a claim in the local small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a A/C cleaning package by a company called XXXX XXXX I bought the coupon for the company XXXX XXXX XXXX after reading some of the reviews I bought the package and made the appointment. A Mr arrived and proceeded to hook up a vacuum in on of the air vents and looked at my ac unit in which he told me was in good condition but I needed a sanitizer to make the ac run better while this the electricity went out and he had to go to the breakers to restart. He told me the sanitizer would be {$170.00} dollars and he kept talking really fast and I felt really weird and pressured .He pulled out a little canister and started spraying an air freshener in the air. Can I give you a check he says dont you have XXXX I said yes. So I entered my bedroom where my computer was at as he followed me in and stood behind me while I opened my computer while I opened my bank account and sent him the money. At the same time he said you also need to give me a good review. In which case I did all this while standing right behind me. He left my bedroom and I got up feeling violated in some way. I called the bank Chase to try to cxl the transaction to no avail and contacted XXXX XXXX to no reaction to what happened. I filed a police report with the XXXX Police Department and was referred to the Detective Unit for investigative XXXX Intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, 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:
Received multiple credit inquiries on my account that were not made by me. Here is the list below. Ive put a freeze on both my Transunion and XXXX credit reports as of right now. 

XXXX XXXX XXXX XX/XX/2021 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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, 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:
Received multiple credit inquiries on my account that were not made by me. Here is the list below. Ive put a freeze on both my XXXX and XXXX credit reports as of right now. 

XXXX XXXX XXXX XX/XX/202XXXX 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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America shows me a FICO score. When they do they provide misleading information about credit balances and ratios of revolving accounts. 

They provide messaging that indicates to a reasonable consumer that consolidating revolving credit balances doesn't generally help your FICO score, which is wholly inaccurate.

In fact consolidating revolving credit balances to a personal line of credit that is fixed at a lower interest rate helps you pay down your debt faster and also improve your FICO model XXXX credit score. 

I believe they are violating UDAAP, FCRA and misleading users of their credit score monitoring service.. to benefit the bank and harm the consumer.. by discouraging behaviors that would benefit the consumer and help the consumer lower their high interest balances with the bank.

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 2021-11-02 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: Kriya Capital, LLC
State: NY

Complaint narrative:
I filed a dispute in regards to accounts on my credit report that do not belong to be. It has been beyond 30 days and I have not received any results regarding my investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 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: Millco Management
State: NY

Complaint narrative:
I filed a dispute in regards to accounts on my credit report that do not belong to be. It has been beyond 30 days and I have not received any results regarding my investigation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
XX/XX/XXXX. 
And an XXXX buyer named XXXX said he would buy my XXXX XXXX XXXX XXXX for {$950.00}. 
The buyer had no choice but to purchase through XXXX because his XXXX ID was hacked, and asked him to pay {$950.00} with his XXXX account. 
The buyer said he paid, but this was a phishing e-mail. 
XXXX XXXX ( XXXX ) I didn't know I was fooled and sent the product directly to XXXX on XX/XX/XXXX. In XXXX, battery handling is strict, so I applied to XXXX through a delivery agency. So, the location is XXXX. This was a big mistake. The tracking number is XXXX. Here 's the link. XXXX XXXX XXXX XXXX XXXX XXXX And on XX/XX/XXXX, the signature of the unknown XXXX was confirmed in XXXX. At the time of delivery on XX/XX/XXXX, the seller offered a condition that the XXXX account limit would be lifted only when {$1000.00} was refunded, and the scammer lied that he would deduct {$2000.00} in credit. At first, a scammer asked for remittance in XXXX, but I said no, and I was forced to ask for my account number and try to transfer it, and I remitted {$1000.00} to a remittance company called XXXX XXXX at around XXXX XXXX on XX/XX/XXXX. Related pdf was extracted from the text. Yesterday in XXXX time, they said they paid {$1000.00} falsely to the XXXX XXXX ( XXXX ) address, and as a result of checking, XXXX is still pending and only requested sent. Unfortunately, as a result of checking at XXXX XXXX. on XX/XX/XXXX, it was an obvious fraud and XXXX said it couldn't be helped. 
The scammers took my money and the things I was trying to sell. 
I need help.

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 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company said to call XXXX XXXX about my funds for rebuilding my home. This was in their letter dated XX/XX/2021, attached. When I called they refused to transfer my call to XXXX even though I had selected option 3 as directed in the letter. When I tried to find out who I was speaking to I got hung up on. A company called XXXX XXXX said they did an inspection on XX/XX/2021 and came on to my property without my permission and took photos of my container home and or my storage container. They did not inspect the home, the foundation, the septic or the well for the new home. They refuse to provide me copies of the photos they took without permission. I am unable to access my funds for rebuilding my home. I am unable to contact the person they said to contact in the letter. Each time I try I get hung up on and abused as a XXXX person. Since the bank has refused to work with me regarding the rebuilding of my home and since construction costs continue to rise the bank has compromised my ability to rebuild. They refuse to accommodate my XXXX and refuse to adjust my escrow since I am paying my own taxes. According to their letter I need to pay and have transportation in order to communicate with them. This is an unfair action and makes my XXXX worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX claims after non payment and charged me money to cover the non payment time. 
XXXX went as far as contacting Florida DMV to have my DL suspended costing me XXXX $ to get it reinstated. 
Then they sold this fraudulent debt to a collection agency who claims i owe 2 debts when in fact i had another Auto Insurance Company when i stopped payment and started new policy with infinite insurance company.. 
CaineweIne Collection agency after a dispute with one collection agency ( XXXX ) the collection was removed and Caineweine placed my fraudulent debt on the 2 remaining reporting agencies. 
I formally want to complain agains XXXX XXXX XXXX and Caineweine collection for fraud and unethical actions. 
As a result of this i have suffered increase in debt and finical hardships because of these 2 companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Nelnet, Inc.
State: VA

Complaint narrative:
I have a student loan with Nelnet. I have been paying the same amount, which is well over the amount due, for many months and the amount applied to principal and interest is different each month. I have a fixed interest rate. The company said it is because the interest accrues daily and sometimes I pay on the 15, and others on the 22. ( I always pay before the due date. ) They said the different due dates are the reason for the different interest/principal payments but some months it varies by hundreds of dollars and zero goes to principal. This is very different from my other loans with different providers. The people I have spoken to have to speak to their supervisors and never seem confident in the information they give me. Today, they said to pay the same day every month and eventually the payments to interest and principal would be consistent. 

I also asked if they could let me know what the payment terms would be if they took me off the extended repayment schedule and, after speaking to a supervisor, they said that taking me off that extended payment so I could pay off my loan sooner was not possible. 

I asked for an amortization schedule. She refuses to send it to me and said it was in the portal. I asked her to guide me to that information and she navigated me to a repayment schedule. This repayment schedule said it began in XX/XX/2020 but there is a double asterisk next to that date. I asked her what that meant and she said she did not know. 

I do not understand what is going on with this loan and they never give me any clear answers. The original loan amount was approx $ XXXX and principal is now $ XXXX. According to repayment schedule she showed me today I will have loans paid off in 17.5 years and with a total of approx $ XXXX paid. My loans were transferred to Nelnet by a former loan provider. I did not choose to go with this company, I do not understand why the principal is not decreasing at all when i pay {$500.00} a month, well over the amount due and no one can provide me with solid information. It seems like they are only interested in locking me to get more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a confirmed FREE CREDIT SCORE OF XXXX from Experian and that report proved to be wrong, incorrect, not what is reported to banks who confirmed when they pulled credit my score XXXX and full of notes. Furthermore as per prior complaints YOU NEVER resolved or acted on ... my comments were NEVER ADDED ... as usual with Experian chosing to SIDE WITH THE REPORTING BANK OR LENDER omitting critical information beneficial to me and us.. In my opinion if this is NOT COLLUSION nothing is.

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 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This is a HIPAA Violation. On XXXX someone called me from Cavalry Portfolio Services stating that they bought my account on a already closed account and stated we will call and give out your information and talked rude to me with foul language. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
I requested a loan modification on my affordable housing deed restricted property in NJ. I was denied a loan modification from SN Servicing Corporation located at XXXX XXXX XXXX XXXX CA XXXX, in less I made a " Good Faith '' payment of {$25000.00} on my {$85000.00} mortgage. Which would NOT be deducted from my mortgage even if I could afford to pay it. I then counter offered {$10000.00}, just to get a response and was told they would take {$10000.00} cash and the remaining {$15000.00} would be put in my mortgage and double my mortgage payments, still never showing me where I would get credit for making these so called " Good Faith '' payments. Basically this company wants me to pay them to modify my loan for their profit and my loss.

If I were able to meet their terms I was given less than 14 days to come up with " Good Faith '' payment and first month mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I started a plumbing company and did well for a year and a half then the vivid pandemic hit. During the pandemic, I had to shut down for XXXX weeks due to a covid scare, then my main income, which was plumbing in new custom build homes, stopped due to the strain of the pandemic on my customers. I applied for different Covid assistance programs but the money for businesses was already depleted before I could get any help. This put me in debt and as a result I had to shut my company down. I have XXXX late payments on my truck loan with Santander USA. Late payment one was XXXX of XXXX, late payment two was XXXX of XXXX, and late payment three was in XXXX of XXXX. I also suffered an eviction after a short time with no heat or water due to the loss of income. Since XXXX I have gained and maintained a steady income, paid off the majority of debts/collections I accrued, and paid my bills on time. I currently live with my mother and need to get a new home, a mortgage advisor suggested I call Santander USA and attempt to have the late payments removed so I can qualify for a mortgage before XXXX of XXXX. I also have been declined by rentals mainly due to the late payments Santander USA reported during a worldwide pandemic. I offered to make extra payments or do anything proactive to have the late payments removed and Santander USA refuses to remove any late payments accrued during the worldwide pandemic that everyone, especially small business owners, was effected by. I believe I should be given the opportunity to have these late payments removed considering the worldwide pandemic that was happening and hope that you can help. 

XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX Company in complaint : -Santander USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo notified me they were closing my account for false reasons on my 10th anniversary with them. They immediately blocked deposits to the account and held onto my federal salary that was transmitted to them the same day. I am still trying to recover those funds. My account only ever receives deposits from my federal salary, federal health savings account and federal travel reimbursements to closing the account immediately is draconian. This is a measure meant for drug dealers and money launderers. If they do not want me a a customer giving me a months notice would have been the right path to take so I would be able to make arrangements. 

They appear to feel they don't make enough money from me and are using bank secrecy laws to attack me rather than treating me as a customer.

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