vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX I contacted what I thought was XXXX computer support. The website had XXXX 's trademark and looked completely legit. Upon reaching a tech, " XXXX XXXX '' I was told that my XXXX account had been hacked and I had to follow the steps he told me to do in order to close the accounts that had been open in my name. I did what he told me and was assured this would resolve the problem, My compalint was honored by XXXX and they refunded {$6900.00}. However, through my XXXX XXXX adnadditional XXXX was transferred and i was duped into opening an account with XXXX to buy bitcoin as I was told this was XXXX of the accounts opened illegally in my name. I put in a claim to Chase and this particular claim # XXXX was denied even though at the time of the claim, they credited my account. On XX/XX/XXXX I was informed they denied it and would be debiting my account by {$540.00} on XX/XX/XXXX. I made a police report and a report to the FTC at the time of the scam which I have attached. At this time, I haven't heard about the XXXX other charges in the amount of {$510.00} yet. I actually have the texts from the " so called '' XXXX techs who scammed me with employee numbers etc. The phony website was removed that day. I went down that rabbit hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Nelnet, Inc.
State: CA

Complaint narrative:
DEPT OF EDUCATION/NELN 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I filed a complaint previously ( last month ) about not receiving my mortgage statement until after the date due. Their response was I have to pay it over the phone or online. On XXXX XXXX, 2022 I call customer service because I did not receive statement for XXXX 2022 payment. I was told it went out on XX/XX/XXXX. On XX/XX/2022 I call again after still not receiving statement and was then told it went out on XX/XX/XXXX. Once again I have been given misinformation. I had to print a statement to send it in and in and it is my belief I was not sent a statement at all. Shellpoint was the only bill I had not received of all my bills. I was offered automatic payments and or to pay online or by phone. To me that is unacceptable.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom it may concern I am of sound mind and competent to handle my own legal affairs. 
I am THE CREDITOR and given the right by god himself 15 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds. 

REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting. 
Anything after the acceptance of this letter is going to be considered 15USC 1602 ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ). 
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance. 
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX / XXXX / {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX / {$15000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I went into a PNC branch to close all my PNC accounts with the branch manager XXXX XXXX. The only PNC account that I could not close or transfer was a Commercial Loan which is funds I received in XXXX from the XXXX XXXX which was not forgiven according to PNC and a dispute is in process on that final decision. A request to change my auto pay to my new bank account was faxed to XXXX XXXX on XX/XX/XXXX ( a copy is attached ) I made my XX/XX/XXXX payment at the branch but on XX/XX/XXXX the auto payment that posted to the loan was from the wrong account. On XX/XX/XXXX I sent an email to XXXX XXXX asking for her help in figuring out what happened to my request to change the auto pay to my new account. 
On Saturday, XX/XX/XXXX I reached out to XXXX XXXX again with an email about the issue. I have seen a reversal on the payment post dated XX/XX/XXXX. 
On Tuesday, XX/XX/XXXX I called PNC business banking XXXX the hold time was over 20 minutes I waited 30 minutes and hung up. 
Today, XX/XX/XXXX I received a reply from XXXX XXXX that I should make a payment at the branch for now. She submitted my issue to the Escalation dept. The branches are closed and I do not even have a remittance address on my loan payment statement because I was enrolled in auto pay. I called PNC again today and waited over 40 minutes, vented to the lady all over again about this mess. In the meantime they are accruing daily interest which is where I draw the line. I refuse to continue allowing this # 2 bank to profit on my hardship. They need to get their act together. I have done every to watch and reconcile this simple change request. No one ever called me. They are so big but they cant handle their mistakes. I expect a call from someone that knows something.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03 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: PA

Complaint narrative:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: IL

Complaint narrative:
I received an unsolicited XXXX Debit card from CASH APP. Someone used my identity and information to open the account. My complaint is in regards to how difficult it was to contact CASH APP and get them to close the account. It took me 5 days, 15 phone calls an email and finally a XXXX message to finally get someone to help me and close the account. CASH APP is very difficult to reach. When an individual is experiencing identity theft the financial institutions involved must be easy to contact and quick to react. CASH APP is none of these things. I would not trust CASH APP with any of my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Disputed with Experian creditor not entitled to report debt not owed and included in bankruptcy ; yet, company constantly refused to adhere to Fair Credit Reporting Act by deleting and illegally monitoring social security number, allow creditor reaging debt 18 years ago which was dealt with in bankrupt in addition to continues to delete and/or refuse to allow personal statement & manipulating personal credit report since bankruptcy case successfully closed in 2012

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 2022-02-03 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: NJ

Complaint narrative:
In XX/XX/XXXX XXXX, XXXX University and/or its representative falsely certified eligibility to receive XXXX XXXX funds on my behalf by forging my information. I have never taken out a XXXX XXXX XXXX or signed off on a Promissory Note to provide monies to XXXX University. 

XXXX : The original loan servicer, sent to me thru the Consumer Financial Protection Bureau on XX/XX/XXXX a response letter stating that the XXXX XXXX loan was placed with XXXX  on XX/XX/XXXX and on that date the loan became in deferment. Please see the attached letter. 

However, after a request of validation of the XXXX XXXX to XXXX University, the current US Department of Education loan servicer provided a Promissory Note from XXXX University, alleging that the XXXX XXXX was signed and became effective XX/XX/XXXX. In addition I would like to point out that the Promissory does not include my signature. Please see attached. 

Attached is also the XXXX XXXX XXXX  Year Summary, that I received from the XXXX XXXX, XXXX XXXX on XX/XX/XXXX. The summary clearly states, XXXX XXXX XXXX {$0.00}. 

I also have dated correspondence from XXXX University in several failed attempts from XXXX University to get my signature for a XXXX XXXX that I did not request, need or sign. This information is being provided to the XXXX XXXX Ombudsman Group. 

I am requesting that XXXX and XXXX University remove all of the late payment of XXXX and XXXX  days from my credit report with the Credit Bureaus immediately. 

I am also requesting that XXXX and XXXX University have XXXX remove any and all collections from my credit report and remove reported XXXX XXXX loans from the US Department of Education. IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. Accounts Reason This collection is not my account. XXXX XXXX XXXX  XXXX XXXX. I never missed a payment on this account, please correct. XXXX XXXXXXXX XXXX XXXX XXXX. This collection is not on my account XXXX XXXX XXXX XXXX. Understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a complaint right here and they did nothing so this complaint process seems to be as bogus as checkngo 's promises. They broke the agreement and took money 3 days early. Then after I complained they said they would send me {$35.00} for their mistake. I sent them payment minus the XXXX dollars because i don't trust them/ now they say they don't have my money and are badgering me to pay them again.The loan was to be paid on XX/XX/XXXX they took the money XX/XX/XXXX the loan was for XXXX XXXX to be paid back with interest and fees. I paid them they broke the contract and now they claim i haven't paid. I have proof from my bank that shows all I am saying is accurate. They will not correct their mistake and they continue to punish me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
My loan servicer, MOHELA, offers a Teacher Loan Forgiveness program for teachers who have accumulated at least 5 years of teaching experience at qualifying Title I schools. 

When I learned about this opportunity, I discovered that the schools I've taught at for the last 8 years are all listed as a qualifying school under their " Annual Directory of Designated Low-Income Schools for Teacher Cancellation Benefits '', and as a XXXX XXXX XXXX I am eligible for {$5000.00} forgiveness. I sent my application to my XXXX XXXX to have their CAOs XXXX XXXX  XXXX, then submitted my completed application to MOHELA through their online platform on XX/XX/2022. 

On XX/XX/2022 I logged into my MOHELA account to check on the status of my application and saw that it was denied. There were no details provided indicating why the application was denied or if there would be further communication about it. I called their customer service line to determine why my application was rejected in order to reapply after making corrections. The representative I spoke with told me that the note left on my denial was not clear, and that she could not determine their reasoning from the information provided. She went through my application line by line, but was unable ascertain why it was denied. After putting me on hold to look into it further, her best guess was that my current school 's name was listed incorrectly, but she could still not be sure that was the issue. 

I reached back out to the head of HR at my current school, who informed me that the name and address they listed was the one used for all teacher loan forgiveness applications, and that they'd never experienced this issue with an application before. At this point I'm unsure of how to proceed to utilize this forgiveness program that I appear to meet all qualifications for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hey, I was taking advantage of, due to malpractice while several laws were being broken under the Fcra by company. This caused me financial injury, this is cause of defamation of character. I cant get a job, I cant get credit or pay daycare. This hurt my ability to obtain credit because of this issue. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA or I demand these items be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hey, I was taking advantage of, due to malpractice while several laws were being broken under the Fcra by company. This caused me financial injury, this is cause of defamation of character. I cant get a job, I cant get credit or pay daycare. This hurt my ability to obtain credit because of this issue. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA or I demand these items be removed.

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 2022-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
INFORMATION FOR POLICE REPORT CONTACT INFORMATION Name ( Last Name ) Address XXXX XXXX ) ( First Name ) XXXX ( City ) ( Middle Initial ) Massachusetts XXXX ( State and Zip Code ) Home Phone Number Email Address Fax Number _________________ PERSONAL INFORMATION Date of Birth Race XXXX Height Weight XXXX Female XXXX XXXX. 
REPORT INFORMATION Type of Incident : Identify theft Following are the types of theft that I was a victim of : XXXX Other Date of XX/XX/XXXX Time of Incident : XXXX Incident : How did you become aware of the incident? I just received an email saying that I owe money to national grid and at the time this taking place I was homeless and wasnt staying at the address so I know that it was identity theft Location of Incident : XXXX XXXX Briefly Describe the Incident : I was homeless at the time of the incident so I dont really know what time it accrued but it says XX/XX/XXXX Information regarding Thief ( please provide any information that you may have about the alleged thief ) : N/a Please list all items that were XXXX or XXXX, using as many unique identifying characteristics as possible. 
XXXX. Identity ADDITIONAL INFORMATION Please provide any additional details that may be beneficial : I will like to get the account disputed off my credit This Police Report Worksheet is executed and agreed to by : XXXX XXXX XXXX XX/XX/XXXX at XXXX pm Recorded at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: AZ

Complaint narrative:
XXXX XXXX is a complete hoax. Signed up for free ( shipping was {$6.00} ) XXXX XXXX which I never received and then they are trying to collect two bills in the amount of {$110.00}. Complete financial scam. Collection group on behalf of XXXX XXXX is Tate and Kirlin, XXXX XXXX, XXXX, PA. I have talked to them numerous times to dispute this collection effort. 

I contacted the XXXX XXXX XXXX and they have numerous reports about the same company. Now they are threatening to ruin my Credit!! 
Please help an American citizen and tax payer. These kind of con games hurt the American public!!

Company response to consumer: Closed with explanation