vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 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:
Experian has allowed an energy company call XXXX XXXX to put XXXX accounts on my report the suspicion is with in months XXXX account was put on my credit file open on XXXX and on my account within months the second one was open in XXXX of this year also and put on my credit report in XX/XX/2022 usually it takes longer for accounts to get put on the credit report as delinquent I feel experian is not doing enough to protect my credit they have services you have to pay for I feel like they are purposely putting fake and inaccurate information on my credit report to get me to purchase their products and services I had to file a police report against XXXX XXXX now I have to send in a copy to all three XXXX in order to resolve this XXXX asking that yall look into experian and make sure they are doing everything they are supposed to do to keep their customers information safe I just dont feel they are and I feel like they are the culprit messing with my credit file

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Closed all my accounts, was supposed to be issued a check for {$54000.00}. At first told it hasn't been mailed than told it was mailed and cashed. I never received or signed for any check. Went to XXXX XXXX XXXX XXXXXXXX and told the XXXX  of the situation, Filed a Lost or stolen cashier check and declaration of lost and stolen check. Notarized. Sent it over and it wasn't enough. Went and got a police report that stated in surveillance it wasn't me and it wasn't enough. finally sent them proof of lost ID and they said it wasn't enough. Spoke with both XXXX and Escalations about this. 

This was back on XX/XX/XXXX and still isn't resolved as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an email from Chase Bank that states : We posted a new notice or letter in your Chase Mobile app and at chase.com/statements. 

Here 's what it's about We reviewed your application for a new business card account. 

We encourage you to read the entire letter, because it contains specific information about your account. 

However, I did not apply for a business card account. I called Chase, who then told me to call the creditor. I looked at my credit report on XXXX who opened an investigation and suggested I report this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
We sold a property having a mortgage with Caliber Home Loans on XX/XX/XXXX and Caliber has over {$2300.00} on escrow that they have not disburse. Unfortunately my father passed away on XX/XX/XXXX which was the borrower on the account but I'm a trustee as well as my mother on the Estate. On XXXX of XXXX we sent a package with all possible documents they might need to add me as a successor in interest which they said was the process for them to disburs that check. 
We sent death certificate, trust, statements and picture ID The first package they stated they never received so we have to resent everything again After they receive the 2nd package they started asking for documents that they already had like Evidence that ownership interest was transfered to me. This is already stated on the trust. We resubmitted the trust. 

Every time we sent documents they take over 30 days to send me a letter the only way to communicate with them because they don't speak to me saying I'm not authorized on the account and they aren't legally able to give me any information We have XXXX letters from them asking us to send documentation to different addressess. 

We call almost everyother day to get some information and the only thing they say is that it usually takes 48 to 72 hours from they day they receive documents to upload it on the system. 

After almost 2 years we strongly believe they want to keep us on a legal loopwhole to avoid disbursing the money on escrow funds We really need help because this is detrimental and tiring to go through this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On my statement it shows where there was a XXXX debit withdrawal made from my account on XX/XX/XXXX. I have not had a working debit card since XX/XX/XXXX for this account. They will not give me any explanation concerning this matter when I call the bank, just keep sending me to their automated system when I request to speak to somebody.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Crow Creek Sioux Tribe
State: FL

Complaint narrative:
This organization is owned by the Wahido XXXX XXXX located in XXXX XXXX and is listed as Wahido Lending DBA River Valley Loans. This organization needs to be closed down due to the unreasonably high interest rate charged for these loans. 

I took the loan out and have been paying up to XXXX x the loan amount since it was an urgent situation I take a short term loan. 

I took this loan out on XX/XX/22 in the amount they transferred into my account {$1200.00} Since then - a payment of {$320.00} has been paid XXXX XXXX XXXX XXXX for a total of {$2500.00} has been paid toward this predator loan company. On XX/XX/XXXX I negotiated a settlement amount of {$970.00} to be paid on XX/XX/22 in which this was agreed upon to stop this group from taking any more funds from my bank account. 

I asked for a final payout to stop there pulling the payback amount from my bank account. We did a settlement, and this was paid in full on XX/XX/22 in the amount of {$970.00}. 

Today I received an email from Wahido Lending DBA River Valley Loans with a Notice of Delinquent Account. I responded back saying this has been paid in full. 

This XXXX XXXX predator loan group needs to be closed down so other people will not be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: GA

Complaint narrative:
I reached out to a mortgage company to help purchase a home. I was preapproved and told we were good. During the process they convinced me and helped me sell my home. Once my home was sold and closing was close I was told they were having trouble getting me approved. I explained I no longer have a home because they sold mine. They explained to just wait and they would get me my new home. During that week while I worried about where to live my loan officer ignored my calls and messages. once I called from my daughters phone he suddenly answered. I paid appraisal fee and inspection fee and XXXX towards new home. The day of closing I still had no news and had to start looking for somewhere to rent. I constantly reached out with my fears and concerns but was told to just wait. I ended up having to sign a lease and move to an apartment and called to stop the loan process. I was told that my XXXX would be refunded to me. Now I am told the seller in entitled. Mine and my sons health was affected by the stress of this ordeal and the fear of being homeless. I did most of the leg work for the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hi I was wondering how do I seek compensation from Wells Fargo for repeated charging my old account back in the day for overdraft charges when I had money in my account at the time.I might would have overdraft for XXXX item but then they would charge me for XXXX items of overdraft. The first XXXX items should have been covered by funds in the account but yet when that XXXX overdraft item hit they would charge all items with overdraft charges. I inquired many times with them why they charged me overdraft for items when there was enough money in my account to cover those charges. Their answer was because they clear transactions when the merchant sends the transaction confirmation not when I charged the item which was ludicrous to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
XX/XX/XXXX I requested student loan payments I made earlier this year be refunded in accordance with HEROES act totaling just over $ XXXX. After XXXX weeks of no action I called Aidvantage on XX/XX/XXXX and was told the request had been waiting on supervisor approval but was not currently planned for approval. I eventually got said approval requesting the refunds with no further delays. I was told to expect to wait XXXX weeks from XX/XX/XXXX for full refunds. I am now XXXX into waiting for my payments to be refunded in-full as requested. {$4500.00} as of last week has started showing with nothings else reported. Please see attached documentation and listing below. 

Payments : XXXX {$4000.00} XXXX {$8300.00} XXXX. {$7600.00} XXXX : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: PA

Complaint narrative:
It was reported on my credit report on XX/XX/XXXX I currently owe money to CREDIT MANAGEMENT LP which was in collection from an alleged unpaid balance owed to XXXX cable company that is incorrect. This collection reported, was resolved with the original company XXXX regarding account number XXXX XXXX XXXX XXXX. 
Attached you will find the last billing correspondence that I received from the original debt manager XXXX, which was sent to my new address at XXXX XXXX XXXX XXXX XXXX XXXX, PA dated XX/XX/XXXX. This statement was also previously available to view electronically on my XXXX account as of XX/XX/XXXX. This document shows that I no longer owe the amount alleged. 
On XX/XX/XXXX, I had extensive phone correspondence with both XXXX and Credit Management LP to discuss this matter. I had at no time up to that date, received any correspondence from either company via mail or otherwise informing me of a delinquency on the account. 
I was informed on XX/XX/XXXX that I had owed the {$130.00} on this account. At that time I reviewed the documents I had received ( attached ) and discussed with the individual I was speaking with that this was not the information that I had. 
The individual on the other line, which I was told at that time was being recorded, verbally confirmed that the account reflected {$0.00} owed but informed me that the bill had been altered by them, which is why it reflected this and that this alleged dollar amount was still owed. At that time I informed them that I had a billing statement dated XX/XX/XXXX sent to my current address reflecting {$0.00} owed, and that I had never received any correspondence reflecting otherwise. I received no further correspondence after XX/XX/XXXX from either company regarding a delinquency or collection until a missed phone call on XX/XX/XXXX. 
As of today XX/XX/XXXX, this last billing statement which reflects no balance owed as of XX/XX/XXXX has been removed from XXXX billing statements on line and now states that I have a balance owed ( attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 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: NC

Complaint narrative:
Sent letters in XXXX, XXXX nd called in XXXX and called all three agencies last evening XX/XX/XXXX about an account from XXXX XXXX. XXXX XXXX has been of no help and I have excellent credit but the inaccurate reporting of this account is detrimental to me. I have asked them to fix and investigate and they either ignored or moved the date of late payment which didn't happen to date of contact. 

XXXX says XX/XX/XXXX opened closed paid as agreed but updated last on XX/XX/XXXX XXXX says XX/XX/XXXX opened closed paid as agreed but updated last XX/XX/XXXX Transunion says XX/XX/XXXX opened closed and paid as agreed but last updated XX/XX/XXXX They are ignoring my certified letters to fix this error and most recent inquiry should be as of XXXX. This is only info I have on this account XXXX XXXX XXXX. They are not investigating my complaints and not updating me per US Code 1681. This is hurting my score even though still high and no one is helping or responding

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 2022-12-21 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: NC

Complaint narrative:
Sent letters in XXXX, XXXX nd called in XXXX and called all three agencies last evening XX/XX/XXXX about an account from XXXX XXXX. XXXX XXXX has been of no help and I have excellent credit but the inaccurate reporting of this account is detrimental to me. I have asked them to fix and investigate and they either ignored or moved the date of late payment which didn't happen to date of contact. 

XXXX says XX/XX/XXXX opened closed paid as agreed but updated last on XX/XX/XXXX Equifax says XX/XX/XXXX opened closed paid as agreed but updated last XX/XX/XXXX XXXX says XX/XX/XXXX opened closed and paid as agreed but last updated XX/XX/XXXX They are ignoring my certified letters to fix this error and most recent inquiry should be as of XXXX. This is only info I have on this account XXXX XXXX XXXX. They are not investigating my complaints and not updating me per US Code 1681. This is hurting my score even though still high and no one is helping or responding

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
sold information to third party breach of contract reporting to credit report without prior written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: TX

Complaint narrative:
In XX/XX/2022 the vehicle was totaled, and the remaining balance paid off by GAP insurance. In the same month the primary owner who was XXXX, passed away due to unrelated causes, since then the cosigner has been asked to pay {$300.00} a month to cover the interest on the loan. There are documents stating there is no money owed and that there may be a refund. I am the mother of the cosigner ; I am assisting her with this complaint because of XXXX she does not understand she is being manipulated. She has paid {$2100.00} to the lender thus far. It is my belief she is being targeted due to her XXXX. She only receives {$840.00} a month and has to raise XXXX children.

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 2022-12-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I applied for Hardship for my mortgage. It is currently in forbearance until XXXX but in the meantime I have submitted my application for Hardship. The application and follow up requirements were provided to the credit analyst. However my case was closed without a credit decision being made. The credit analyst has not read or understood the information provided, actually they ignored the information provided and just worked on a checklist. My observation is that I was not given a fair resolution to the hardship application and they want me to start the process over again. The information provided including signed documents from me and the contributor, which is my spouse. The XXXX in charge of the case XXXX has also not read or understood the information provided and did not add any value to help the credit analyst in this scenario. I received a voicemail from the XXXX and within 24hrs she closed the case not giving time for me to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: VA

Complaint narrative:
The Bankruptcy court of XXXX does not have the authority to report personal information to any third parties. All consumer reporting agencies with this information have violated the Privacy Act and Title 15 USC 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: VA

Complaint narrative:
The Bankruptcy court of XXXX does not have the authority to report personal information to any third parties. All consumer reporting agencies with this information have violated the Privacy Act and Title 15 USC 1681 ( a ) ( 4 )

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 2022-12-21 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
My name is done XXXX XXXX. I never had a XXXX  account. XXXX sold this account to Cain and Weiner without my permissiom. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary CAINE AND WEINER IS NOT LICENSED IN MY STATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: FL

Complaint narrative:
I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

In accordance with the fair credit reporting act XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I received a letter that I am behind on my payments with the threat of foreclosure in XXXX. I did contact the bank. My mortgage is through US Bank. I have been making payments each time I get paid, every XXXX weeks. I have done this for XXXX years. When I called the bank I was informed that they do not accept partial payments. When I started this I was given that option to pay every XXXX weeks but is was for them to take the pyment from my checking account which i did not want so I set up to make the payment through bill pay at my bank. when I started this I was with XXXX XXXX and I continued with the bank I am with now XXXX XXXX. Every payment made was sent to the escrow acct then after the late fee was added it was applied to the mortgage. I did not look at my statements as I never thought there would be a problem since they made the offer to me.The person I spoke with was supposed to have the payments moved from escrow to the mortgage and the late fees removed. I received a letter XXXX again that I am behind on my payments over XXXX XXXX dollars. After I was told they will not accept a partial payments I made full payments to the bank in XXXX and XXXX. I should have been made aware of this years ago that partial payments are not accepted before this got to this point. I am sure I am not the only one this has happened too. Take payments and don't apply them and then the property can be foreclosed and with the property values double what I paid they would make a bigger profit than if i just continue as is. I have no problem making my payments but i should not be penalized for paying as I did for years and not being told that it was not acceptable.

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