vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The original Wells Fargo loan was opened in 2006, the terms were 120 months. There was a brief period where payments feel behind however payments were steadily made. Here it is 16 years later and I am still {$8000.00} plus dollars on a {$6000.00} loan. The loan was sold to XXXX for reasons unknown and no matter how hard I try I can not get any straight answers. This loan should not still be this amount after all these years. I feel this is a predatory loan initially meant to keep me stuck in this high interest low to no principal applied hole. I want this loan investigated.

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 2022-02-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Account 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 a account without my written instructions.

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 2022-02-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/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 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had applied for a home loan in beginning of XXXX. I was assured that I was going to get a Mortage Rate of 3.625 % on the phone with XXXX XXXX from WellsFargo XXXXXXXX XXXX XXXXXXXX. He assured me no matter what the rate goes up to, I would be getting this rate as long as I complete the application with him today. I completed the application with him on XX/XX/2022 on the phone. Everything was submitted that day. I even submitted the comparator Loan estimate from another company to match the rate. I was assured as long as I submit the comparator loan estimate, I would get that rate with no questions asked. Then the first loan estimate I received from Wells Fargo had a larger mortgage rate than what I was told and considerable more in Loan points to buy down the rate. There was also a mention of Lender credit of {$3500.00} that was entered incorrectly as a Seller credit to confuse me to think that I am getting a credit. 
I asked Wells Fargo to switch the mortgage consultant from XXXX to another person because I was not getting a timely response to my questions. The second mortgage consultant was XXXX XXXX XXXX. XXXX XXXX XXXXXXXX. 

When I inquired further, Wells Fargo told me the credit was no longer available even though I was promised by XXXX they would match the comparator loan estimate including the lender credit of {$3500.00}. At this time I needed to speak with the Manager of Both XXXX and XXXX who is XXXX XXXX XXXX ID XXXX. I was not able to resolve the issue which is the false information I was given to sign up for a loan when I could have spent my time with other mortgage lenders. This has resulted in lost time and unnecessary credit checks done on my account. I want Wells Fargo to honor what they had said in the beginning on XX/XX/XXXX about giving me a loan at 3.625 % with no points and a lender credit of {$3500.00}.

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 2022-02-24 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: WY

Complaint narrative:
On XX/XX/2022, I sent a certified request to all 3 bureaus to remove old or inaccurate information ( certified number XXXX XXXX XXXX XXXX XXXX ) I did not get a response. On XX/XX/2022 I sent a failure to respond to deletion/correction letter and have still not obtained a response.

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 2022-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash app /Square disabled my card 3 weeks ago and it hasnt been fixed yet... I keep Filing complaints a d nothing is happening... I am unable to pay my bills ... Due to this I have about 5 bills that are recurring monthly and I am getting notified about late fees and stuff because of this .... 

The card has been activated I have used it ... I am just tired of this ... It needs to be fixed ... If its not fixed soon ... I will be failing a federal lawsuit... They need to compensate me for my late fees and the inconvenience Pastor XXXX XXXX XXXX $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I have asked them to stop texting me and they wont stop. I have replied STOP but they still continue to text

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: WA

Complaint narrative:
I recently disputed this debt collection online. I received a letter back from United collection bureau. It does contain HIPPA violations. The letter they sent me contains dates of service, procedure codes, and procedures completed. I request that this collection is immediately removed from my credit and all attempts to collect are ceased. They have violated my medical privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: MD

Complaint narrative:
My direct express card was stolen and I've been trying to have a replacement card sent to me. The individual that stole the card changed all the information on my account. For several months I attempted to cancel the card to stop this person from using my card and staff failed to cancel the card until an investigation was conducted. Now to get a new card I verified my information by faxing documents over six times to five different fax numbers staff is telling me that now I need a XXXX from social security. In which I sent a signed form to them. Truly, frustrating the lack of effort shown to resolve my problem. This matter shouldn't have taken two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I was promised by XXXX XXXX sell representative, immediate hire after completion of training. I was not hired and I didnt not receive any help for jobs interviews like they XXXX XXXX promised. I was also not given a certificate of completion to be able to show at interviews. Not one of the the students that attended with me during that time received certificate or got hired as a medical assistant. I have informed Nelnet several times about this fraud and according the Neltnet there is nothing to be done. 

This happened in 2005 my total amount owed to Nelnet is {$10000.00} that I have not been able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was referred to a " handy man '' who promised to construct a small office in my home. Long story short, after I paid him {$1100.00} UP FRONT everything changed. 

All of a sudden the job couldn't be done. He then made a series of false promises, ultimately to disappear. 

1. The person was unlicensed.

2. This person never conducted the work.

3. I am now in the process of hiring someone to do the work.

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 2022-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Have had a Kohl 's credit card for years, the card has always been on auto pay. I was ill last month so didn't check my statement. Today I received a letter from Kohl 's saying that they had temporarily suspended my account due to non payment. I tried to log onto the account and was unable to, so I called the number on the letter, made the payment of {XXXX}, asked why it was no longer on auto pay and was told that since I had a XXXX  balance a few months ago it kicked me off of auto pay. I asked how I was supposed to know that and didn't receive an answer. Asked to have the late fees removed and they agreed. Asked how I could access my account and was transferred to customer service where I was told that someone had manually taken me off of auto pay, wasn't me I would have no reason to do that. Asked why I couldn't access my account as all the info I entered was correct and was told that they had sent a new card to me in XXXX and I would have to use those numbers. Explained that I did not receive a new card and if they had sent out a new card how was it I was able to use the old one? Was told that I could always use the old one which made no sense. Asked for a supervisor was basically told that they always let you use the old card in case you want to give it to a relative to use. So theoretically you could have several old cards laying around and give them to others to use. ( who does that? ) Told me that they sent me an email each month to access my statement, asked her how I was supposed to access my statement when I couldn't get into the account and I wanted to be able to access my statement today. Told me I couldn't. Also told me that I had been reported to the credit bureau as being late two months. When I told her that I wouldn't have been late if they hadn't kicked me off of auto pay she told me that they had a new program which had fouled things up. I informed her that they needed a new programmer and because of their incompetence their programming problem had now become my problem and I didn't appreciate it. Again no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Burr & Reid, LLP
State: NY

Complaint narrative:
This debt is not mine.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
on XX/XX/2022 I noticed unrecognized credit hard inquiry. I tried to freeze with all 3 major bureaus. XXXX and XXXX worked fine. Experian could not verify my identity, fine I use their document upload page. It redirects to page not found when I try to submit under other reason. https : //www.experian.com/consumer/upload/ The website is noticeably worse than the others and appears nonfunctional. I will resort to mailing it in but wanted to complain in case they need to have a functioning document upload page for regulatory reasons

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 2022-02-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the customer service department did not help remove the negative inquiries that are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-24 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: MD

Complaint narrative:
SEE ATTACHMENTS

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 2022-02-24 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: IL

Complaint narrative:
On XX/XX/XXXX, I made a purchase online for a takeout prepared dinner from a restaurant for pickup on XX/XX/XXXX at XXXX XXXX. When I went to pick up the dinner on XX/XX/XXXX, the food was not ready at the assigned time. The food was not made available to me until XXXX XXXX and was not prepared but instead provided for us to cook at home. As a result, I disputed the charge on XX/XX/XXXX. The charge was made using my Chase Sapphire Reserve credit card. 

On XX/XX/XXXX, I was presented a letter from Chase that they considered the charge valid as the charge was made in person. That is factually untrue and is not disputed by the restaurant. The restaurants own documentation shows that the purchase was made online via XXXX. Chase could have only reached this decision by not actually reviewing the disputed material or reviewing in a manner that was so reckless as to not understand the undisputed facts of the situation. 

I called Chase 's dispute department to discuss their findings. I was told that I was not allowed to dispute charges for quality and lateness as long as I had been provided a product at some point. After speaking to a supervisor, she told me to send Chase a secure message in writing that I did telling them that I disputed the quality of the merchandise. I did so. At no time since sending that secure message in writing have I received any additional requests for information from Chase as to the quality of the merchandise nor any response showing that Chase had re-disputed the charge as I was told they would or otherwise considered the quality of the merchandise as part of the dispute process.

Company response to consumer: Closed with monetary relief