vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 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: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I used U.S. Bank ATM XXXX XXXX XXXX XXXX TN, to try to withdrawal XXXX $ and it did not dispense my cash. Said the atm timed out and it would not charge me but yet my account was debited XXXX $ XXXX called my bank and I was told I had to wait 7 to 10 days to file a dispute to call the bank of the atm. U.s. Bank told me since I wasn't a customer of theirs, there is nothing they can do to file a dispute with my bank. 
So I have to wait 7 days to file the dispute on top of that wait however long it will take to do the investigation. The problem with that is my bill that is do tomorrow is not going to wait. I will receive late charges, and depending on how long it takes possible disconnection. ( even if I get my money back because I have read several complaints of people who has deposited and the money was not credited to their account as well of others saying they did not get their money after the atm did not dispense from U.S. Bank ). I'm beyond livid. I'm very limited to money because of Pandemic. I should not have to wait weeks for a error of U.S.Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX I underwent several month of sickeness due to XXXX like symptoms. I also lost two members of my family and faced the transition of also having to abruptly move home from my university. According to Section 1637 ( b ) I should have received notice 21 days before due date of payment. I have never received any notification of payment. XXXX claims regardless of sickness they are not able to change this information on my report whether due to sickness, ailing health or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: PA

Complaint narrative:
XXXX XXXX XXXX  I underwent several month of sickeness due to XXXX like symptoms. I also lost two members of my family and faced the transition of also having to abruptly move home from my university. According to Section 1637 ( b ) I should have received notice 21 days before due date of payment. I have never received any notification of payment. XXXX claims regardless of sickness they are not able to change this information on my report whether due to sickness, ailing health or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: IL

Complaint narrative:
I was seller of home and XXXX XXXX # XXXX who was employed by Nations Lending at the time XXXX XX/XX/19 XXXX was lender for buyer. Pre-approval letter was basically blank as to details and offer had red flags all over it. Being a FSBO and I am also a SVP of mortgage lending I emailed XXXX about concerns and he replied that buyers were more than qualified. Two to three weeks into deal I had not heard from appraiser so contact XXXX again. This time stated was trying to get approval from underwriting after telling me originally he had all docs and good loan. Normally, good deals do not require appraisal order being held up for 2-3 weeks which was 2nd sign deal was bad. Was assured several times after by Realtor or XXXX everything good. Several days prior to closing date I reached out as no closing set nor settlement numbers. Told then an issue as buyer 's took out new loan but all good still. Granted 2 week extension. Exact same thing happened on 2nd missed closing date. Unbeknownst to XXXX buyer knew my wife and applied to me for loan after 1st missed closing date. Told me XXXX kept telling them conflicting statements and had changed terms to junk loan terms. Credit score XXXX, previous bankruptcy/foreclosure, debt ratios 47.2 %, 141 % housing payment shock and little to no assets, opened new unsecured loan prior to signing contract in amount of {$9100.00} for down payment. This is loan XXXX claimed opened just prior to close and reason for delay but " everything good '' and just had to run back thru underwriting. Told me on call discussing issues that he was " grooming them '' meaning he knew loan was never closing but somehow dreamed he could make loan good in 60 days. Told him been in business 30+ years and if grooming one waits till borrowers are good prior to saying they are XXXX  when 100 % certain loan was never going to close. Buyers attorney and previous Broker/Owner of last <2 month employer said XXXX overpromises and underdelivers and had missed 6 closings in last 30+ days. One closing had 6 home domino effect dependent on his one closing so all deals fell apart. He should not be licensed at all and I can supply 2-3 real estate attorney 's, previous broker and title companies to attest to that. Still considering suing XXXX and his employer for outright fraud. Loss compared to eventual sale over {$37000.00}.

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 explanation
Consumer complaint received 2021-02-20 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: NV

Complaint narrative:
Close to 60 DAYS, for the investigation. 

Law requires 30 days. 

Equifax did NOT ask for an extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: GA

Complaint narrative:
I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX  data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: GA

Complaint narrative:
I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX  data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: NY

Complaint narrative:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My Stafford Loans with U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) is handled by Great Lakes. On XX/XX/XXXX, My student loan principal amount was {$40000.00} and the accrued interest {$12000.00} ( which is excessive. ) At the time, Great Lakes offered me a standard repayment plan ( No salary-driven or subsidized in any way ) of {$240.00} a month. Such payment was supposed to start reducing my loan principal immediately. This week while taking a look at my account summary, for my surprise, the balance of my loan instead of have been decreased, it has risen to {$53000.00}. Ever since I setup my payment plan, I haven't missed one single payment ; for the contrary, I have made greater payments than what I was supposed to. From the date of the payment plan was set, I have paid the total amount of {$5500.00} which has been allocated in its entirety to interests. Furthermore, in XX/XX/XXXX, I had a payment due of {$630.00} which corresponded to some accrued interests regardless of the Cares Act ( Interest Great Lakes is not able to explain to me. ) My loan has been overcharged, excessive interests have been capitalized and payments have not been applied as agreed since the beginning. When I called Great Lakes, they do nothing to help but sustain that the balance is correct. I really need someone to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
IM BEING SUED BY WESTLAKE FINANCIAL BECAUSE I COULD NOT FINISH & PAY OFF A CAR LOAN BALANCE OF XXXX FOR A CAR PAYMENT AFTER THEY REPO MY CAR AND SELL IT & I SEND THEM LETTER ASKING FOR A REAL CONTRACT NOT A COPY AND THEY SEND ME A COPY OF A CONTRACT & THAT I DON'T HAVE A DEBT & IT ALREADY PAID UNDER THE LAW 15 U.S. Code 1692g - Validation of debts PLUS I HAVE COURT DATE ON XX/XX/2021 ON XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
It has been nearly 3 months I have been trying to resolve an alleged disputed debt lease return issue with Infiniti Financial Services ( IFS ). I received my end of lease liability statement dated XX/XX/2020. Since then I contacted IFS many times, trying to reason with them, but they would not listen or even try to understand where I am coming from. Prior to my vehicle lease return, to have peace of mind that I would not be charged for any excessive wear and tear or any other damages unbeknownst to me, I took my vehicle to XXXX XXXX for visual inspection. The advisor assured me that everything was ok with my vehicle, and there would be no additional charges for excessive wear and tear. I asked him if he could give me something in writing, he said, they don't do it in writing, but I could take my car back any time and there would be no charges. With that in mind, I returned my vehicle. Shortly after, I received the lease end statement charging me for excess wear and use. This was such a shock that I called XXXX several times, explaining them that I DID take my vehicle for visual inspection to XXXX XXXX dealership, and they DID assure me that my vehicle was in good shape and no excess wear and tear was reported. IFS representatives were extremely rude to me on the phone. When I asked to talk to a supervisor, two of them simply hung up on me after a long hold time. The third one told me the supervisor was gone for the day. And I tried different days, at different times, with different representatives. And, like a rule, they all were rude to me, very unprofessional, very condescending and they talked to me like I was some crazy person, impatiently waiting to hang up rather than assist and understand where my frustration was coming from. I told them that I disputed the charges for excessive wear and tear. I told them I did my due diligence and received verbal ok by an advisor at the dealership prior to proceeding with my lease return. Wouldn't I rather fix any issues before returning my vehicle had I known in advance that I would be charged such excessive amount? What person in the right state of mind, especially during COVID, when I lost my job and I am struggling financially, trying to keep my family fed, would intentionally subject themselves to excessive wear and tear charges by ruthless corporations like IFS? 

I am broke, I can barely put bread on my table today, and XXXX is simply unlawfully trying to squeeze lease end bogus charges for alleged excessive wear and tear. Moreover, they are not cooperating, they are being rude and insulting on the phone, and they don't want to help resolve the issue of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: GA

Complaint narrative:
I went to get financing for a vehicle advance. I was eager to go to the business until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me account for any vehicles. This got me off guard I have consistently perceived the significance of having and keeping up great record. So I generally put forth a valiant effort to ensure I kept the entirety of my undertakings all together. So obviously I was loaded with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be eliminated. This is maligning of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a shopper 's standing. FCRA 15 USC 1681 states that a purchasers credit report is the customer 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the XXXX information break.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was preapproved for {$380000.00} for financing and explained to the loan officer or credit solutions advisor as his title states later told me he didn't want to do the financing for the multiple properties that I was in contract on. The person helping me at the location is named XXXX XXXX and in my 17 years of buying and selling real estate, I have never had such a bad experience. I can't even find a way to go to the location in person to complain because that branch is temporarily closed. I'm beyond upset and frustrated to say the least. I've requested updates and have not received any 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 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLL is claiming that I owe them {$96.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: GA

Complaint narrative:
I went to get financing for a vehicle advance. I was eager to go to the business until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me account for any vehicles. This got me off guard I have consistently perceived the significance of having and keeping up great record. So I generally put forth a valiant effort to ensure I kept the entirety of my undertakings all together. So obviously I was loaded with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be eliminated. This is maligning of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a shopper 's standing. FCRA 15 USC 1681 states that a purchasers credit report is the customer 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the Equifax information break.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX {$300.00} was withdrawn from my account and I called and filed a claim to Wells Fargo which they denied after already canceling my card and sending a new one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I purchased a wig from XXXX on XX/XX/XXXX through PayPal with my XXXX XXXX card and it was suppose to arrive on XX/XX/XXXX. It was labeled as delivered but I still have not received it. I have called PayPal and my local USPS office for two weeks to resolve this issue with either a re-shipment or a refund to no avail. I XXXX how to speak with a live representative instead of an automated robot and I called the number that was provided. I explained my problem and I was asked to download an application called XXXX and automatically became defensive because they could see my personal information. I asked how this was relevant to me receiving a refund and he said the only way that he could verify my information was if I added {$2400.00} to my XXXX XXXX  card and that he was permanently close my account and send me a {$500.00} bill if I didnt follow through. Why would I need to add that amount of money to my card to receive a refund of {$37.00} for a wig? I asked for his name and supervisor and he wouldnt answer. He just yelled. I quickly deleted the app, disabled my card, and changed my passwords across every website and app, including my banking information. I reported the website to XXXX and Consumer FTC, as well as emailing their information to the real PayPal for fraud and phishing. I am fearful of my account being compromised and my local bank doesnt open until Monday. There needs to be a better system to access customer service representatives outside of the resolution center so customers can follow up on disputes.

Company response to consumer: Closed with monetary relief