vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Sent in a payment coupon to company in XX/XX/2022. Company did not apply my payment and closed my account without giving reason or notice. 

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. 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 non-monetary relief
Consumer complaint received 2022-11-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have several accounts thar are reporting incorrectly. 

These following accounts are being reported as opened on a charge-off. My score dropped over XXXX00 points because Experian is reporting a charge-off as open and not closed. Also, the last active dates are current dates and that is not correct. 

XXXX XXXX XXXX XXXX This account is not even mine. I have been trying to get proof of signature and proof that this is my account on XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL reporting open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient failed to advise me of different options other than forbearance! the interest accrued on the loans are more than the original loan provided for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I applied for a XXXX loan with Alliant CU and was presented with approval terms and than requested to execute documents ( I wa waiting for car 1st before closing ), agent emailed me to complete paperwork without clarifying that loan is closed prior to receiving vehicle, I requested to unwind loan and was told I could not do this and that XXXX would have to do it and I would lose the {$250.00} deposit if I do from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I called PNC Bank in XXXX, requesting them to delete my PMI. They sent me a letter saying that they couldnt because the equity wasnt at exactly 20 % or below. This was because they didnt credit the amount that was in the suspense account to my mortgage so that it could be at the amount that makes me eligible for deletion. 

When they resolved that, I called again XX/XX/XXXX and asked that they remove it per the instructions on their website. I received no letter in the mail for XXXX business days. I called back XX/XX/XXXX just to double check that someone was actually working on the request and that id receive the letter soon. They said the task had not been submitted. Its strange how all of a sudden Im eligible to have this amount removed but now their tasks arent submitting. Nevertheless, I said OK thats fine, can you please submit it? The lady said she submitted it. I called back today, XX/XX/XXXX to find out why they were holding funds in the suspense account when they had a full monthly payment again and also just double checked if the task for PMI was actually submitted and she said no she didnt see a task in the system since XXXX. Therefore no one submitted it these past XXXX times. She claims she submitted it again but Im having a hard time believing her. They literally do not want me to remove PMI and theyre playing little manipulative games to make me jump through hoops to remove it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22 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: TX

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. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # 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 : It also states a consumer reporting agency can not furnish an 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 or 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 non-monetary relief
Consumer complaint received 2022-11-22 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:
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. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # 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 : It also states a consumer reporting agency can not furnish an 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 or 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 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
I'm a victim of identity theft and I can't get any jobs because I have false items on my background that prohibiting me from getting a job

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Although USAA Federal Savings Bank ( USAA FSB ) has issued new cards for my account and the cards show active, the cards are consistently declined by vendors. When the cards were issued, I was told I needed to contact the USAA FSB MOET Team and respond to specific security and use questions. I did contact the MOET Team and responded to their questions on or about XX/XX/2022. My credit card doesn't work. 
I've called my POC at USAA who was working to resolve this issue, and as of this writing, she has failed to return my call. Additionally, I was promised a call back from the office of the CEO of USAA and as of this writing, that call hasn't come. USAA FSB responded to my previous complaint stating all was well because my credit card account has been reopened and that all I had to do was respond to some questions. Clearly, rather than ensuring everything is working as it should and then responding to my complaint, USAA FSB has responded prematurely and has not taken the necessary action to resolve my credit card issue. On XX/XX/2022, I was told by both the credit card department and MOET department that everything I needed to do has been done and that my credit card should work. It doesn't work, thus this additional complaint.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have tired contacting all parties involved about dept, emails alerts dropped credit score and unauthorized collections for my credit for months in regards of the issue with all unauthorized collections and the breach of privacy and confidentiality they have displayed and with police reports XXXX  # XXXX for stolen IDs and Social Security card as well and been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: WI

Complaint narrative:
I wanted to rollover my XXXX money from my previous employer with XXXX XXXX  as my XXXX account holder, into Optum bank, to my new XXXX account. I printed out their form from the internet and sent it to XXXX XXXX to transfer the money. XXXX XXXX sent a check to Optum bank to rollover the money. Optum bank said that they did not receive the check. I contacted XXXX XXXX, and they sent me a copy of the check that was cashed by Optum Bank, with the dates and routing numbers on the check. I contacted Optum bank several times to try and resolve this issue, but all they keep saying is that the money did not go into my account, so there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX, I discovered that someone had been utilizing my debit card at a mall in a location that I was not near. I was out of state at the time. The total was {$900.00} worth of merchandise. I of course reached out to my bank who denied my claim for fraudulent charges and then closed my account fot violating the terms of agreement. I submitted documentation that I had been nowhere in the area, actual receipts with address on them. I was told not to contact them again about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: MD

Complaint narrative:
I have several accounts thar are reporting incorrectly. 

These following accounts are being reported as opened on a charge-off. My score dropped over 100 points because XXXX is reporting a charge-off as open and not closed. Also, the last active dates are current dates and that is not correct. 

XXXX XXXX XXXX XXXX This account is not even mine. I have been trying to get proof of signature and proof that this is my account on TransUnion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL reporting open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have several accounts thar are reporting incorrectly. 

These following accounts are being reported as opened on a charge-off. My score dropped over 100 points because XXXX is reporting a charge-off as open and not closed. Also, the last active dates are current dates and that is not correct. 

XXXX XXXX XXXX XXXX This account is not even mine. I have been trying to get proof of signature and proof that this is my account on XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL reporting open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Its things that is on my credit report that should no be on there. XXXX things are on my credit report that is incorrect and needs to 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 explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX has decided to start closing and is refusing refunds to all paying customers. I disputed XXXX charges with my bank but they over 180 days old. They do not care that services were not rendered and WILL not provided. I also disputed with my Chase card 's travel insurance. They state refunds are not possible as this is not a covered insurance claim. I am currently out {$2100.00} dollars and my credit card company will not assist with getting my money back even though XXXX XXXX XXXX has committed fraud. Charges include : XX/XX/2021 XXXX {$1100.00} XX/XX/2021 XXXX {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: CA

Complaint narrative:
My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. 

The dealership ran the credit app againts 5+ different institutions. 

I have locked all my credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
XXXXSpoke with Supervisor, XXXX XXXX and explained he acknowledges and explained that I was again given inaccurateinformation regarding sending in a typedletter by agent, XXXX XXXX and apologized for their mistake and negligence. Contrary to previous agents direction, he requested a letter be sent in and and specifieda hand signature. That request was done right away and sent over. Again, further delayed due to companies negligence. 

XXXXCalled to inquire about receipt of info. Spoke with agent and was told that the previous agent neglected to indicate that newly requested attached additional info should have been submitted. She apologized for the negligenceand I sent it over. Again, further delayed due to companies negligence. 

XXXX XXXX Followedup with XXXX XXXX to confirm receipt of requested letter. Again, No receipt, confirmation or acknowledgement. 

XXXXI spokewith XXXX XXXX and she requested a dispute letter and indicated that it could be typed. The dispute was typed and sent directly to her as advised. No receipt, confirmation or acknowledgement. 

XXXXTo Whom It may Concern : We were told by your agent that we would not be penalized due to the implications of the natural disaster, Ian, in XXXX XXXX Our account is noted that I was impacted by the storm during travel and was unable to work due to family placement. We are currently back on track and saddened that we were given misinformation which has further impacted me and my family. I am requesting that the payment be removed as late from my credit as I was misinformed by your agent. Please assist us with this matter. Kindly, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
Has on collection open on XX/XX/2022 for the amount of XXXX which I never open an account the pasts months. 
I have another collection open in XX/XX/2022 for the amount of XXXX which I say again havent open any account in the past months. 
I called XXXX  and direct me to the complaint to get rid of those accounts off my credic

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Its things that is on my credit report that should no be on there. XXXX things are on my credit report that is incorrect and needs to 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 explanation
Consumer complaint received 2022-11-22 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. 

The dealership ran the credit app againts XXXX different institutions. 

I have locked all my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MS

Complaint narrative:
I currently have no income, and I am having to borrow money from family members to pay my mortgage. I informed Loancare and applied for a loan modification but was denied. This company continues to call my phone with an automated voice recording to tell me to call them back on the very same number ( which makes no sense ). Why would you call me just to have a robot tell me to call back? Why even call in the first place if you don't have time to talk? I believe they are only doing this to make it seem as if they have attempted the reach the homeowner, but THEY ARE NOT. They are only having robots to call us. And when I call back, I'm put on hold ( by the robot ) forver until I finally decide to hang up. This is my THIRD complaint about them!! Just go back and review my previous compliants and also read Loancare 's reviews. 

They changed their name to XXXX to try and escape their horribile reviews but didn't bother trying to change their reupation and how they treat homeowners!

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