vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022 I instructed my escrow officer to wire Homestar Financial Corporation {$500000.00}. 
I have made many phone calls, a registered letter and had an attorney write a letter but to date there has been no communication from Homestar Financial Corporation to me. 
The deed of trust satisfaction has not been sent to me nor has it been recorded in XXXX XXXX. 
I can see that on several documents I said XXXX XXXX XXXX instead of Homestar Financial Corporation. They are XXXX and the same and all reference should be Homestar Financial Corporation including the registered letter. My mistake. 

I have not received any closing statements from Homestar Financial Corporation. 

I have spent hours and money ( attorney fees were {$100.00} ) trying to contact Homestar Financial Corporation and have exhausted my options. 

After contacting the office of Representative XXXX XXXX I was given your contact information. 

I would appreciate any assistance you could provide to resolve this issue. 

Thank You

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: AL

Complaint narrative:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN I HAVE FILED REPORTS AND GIVEN PROOF. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation

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 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Starting on XX/XX/2022, I am getting emails to my personal email address about an auto loan being opened. I have not opened any loan and Wells Fargo is doing nothing to help with the issue. It seems the person has put the wrong email on their account and now I am getting their information. I have attached the email, that has the last XXXX of the account number and the other person 's name. I am also getting mortgage emails now, also attached. I am of course worried that my identity has been stolen and Wells Fargo is doing nothing to help.

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 2022-11-01 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: Nelnet, Inc.
State: TX

Complaint narrative:
I have noticed that Nelnet has a " XXXX '' option that offers to lower your interest rates by 0.25 % if used. Why can they alter the original loan agreement and selectively adjust interest rates? I am not sure if I trust this service. Upon reading about other borrower experiences, it appears that Nelnet utilizes the " XXXX, '' feature to control where payments are applied, including, using the loan payments for the lowest-interest loans while allowing the higher-interest loans to accumulate. Some reviews indicated that the imbalance of focusing payments on the lower-interest loans while allowing the larger-interest loans to accumulate actually resulted in having to pay more to Nelnet overtime erasing the supposed savings of the 0.25 % reduction and in some cases increasing the amount paid over the life of a loan. This entire practice and option seem rather suspicious to me. If they have the ability to adjust interest rates at will, what is to prevent them from raising my interest rates currently? In addition, if they have this power, am I able to simply petition them to set my interest rates lower? Any information is greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I paid my Zales credit card off in full on XXXX. Since paying this off I've called at least 4 times and sent several messages through my account portal trying to get the balance removed from my credit report. They had no problem reporting my balance and payments when I owed them but once its paid I can not get the balance removed. 
I have disputed this with XXXX they also have been waiting on a response since XX/XX/2022. This is effecting my credit score as well as giving the impression I've owed this since XXXX the date of their last update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
My mother XXXX XXXX was told by a rep from XXXX XXXX that if she got their services she would not have an electric bill and more and just make her loan payments reg loan payments which are XXXXWe were told wishing XXXX days the panels would be up and running, till this day the project isn't complete and our roof was damaged plus we have been paying both electric and loan payments since this started in XXXX of XXXX.From the time the contract was singed we asked for a copy and could not get one.We had to get an attorney to give us a copy of the solar power contract, just a little bit before that we got a copy of the goodleap contract.We asked and waited and waited.We found that there was an erroneous email listed on both contracts which is why we did not receive then until mush later.The loan company gave no explanation as to who's email address it is and who gave it to them.There was an erroneous yahoo address that had my mothers name in it, we have never seen it ond no one could tell us who gave it to them.The solar power company claimed it was pulled from the electric company contract which was false.the electric company contract had the correct one on it.That means someone put this address that they had access to on my mothers contracts and had been getting her emails. THESE PEOPLE ARE FRAUDS AND WE WANT LEGAL ACTION TAKEN. THEY CAN NOT TELL US HOW THIS HAPPENED. CONVENIENTLY THE XXXX-DAY CANCELLATION PERIOD WAS UNKNOWN TO US UNTIL WE FINALLY RETRIEVED IT, HAD PASSED. WE WANT THE CONTRACT ELIMINATED, THESE GUYS ARE CON ARTISTS.ALSO, WE LATER FIND OUT THAT AFTER XXXXMO PAYMENTS GO UP TO {$450.00}, WHICH WE WOULD NOT HAVE MOVED FORWARD WITH HAD WE HAD OUR CONTRACT TO REVIEW, WE HAD A HEARING WITH THE ROC AGAINST THEIR CONTRACTOR WHO FRAUDED US AND THEY WERE FOUND GUILTY ON ALL CHARGES, THEY CONTINUOUSLY LIED IN COURT JUST LIKE GOODLEAP AND NOW IT WILL GO TO A COURT OF LAW.LYING DID NIETHER ONE OF THEM ANY GOOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
To many times and dates to mention, this will be my second complaint due to the fact I never got the problem solved and now I am being 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 2022-11-01 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XX/XX/2022 I called Venmo to close my personal and business account. As of XX/XX/2022 the problem remains unresolved. To speak with me they required I submit a copy of my Driver 's License to verify who my identify. To close my account they need a copy of my bank statement. I have submitted my bank statement 3 times. They tell me there is a problem with their system, engineers are working on it and for many business accounts they are unable to receive documents. Despite it being " escalated '' there is no target date for resolution. Additionally, they will not accept an email of the scanned bank statement to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer privacy and confidentiality under 15 surcharge 1681. 

XXXX XXXX accounts # XXXX. XXXXXXXX XXXX  # XXXX has violated my rights. 

15 u.s.c 1681 section 602 a. State I have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( a ) section ( 5 ) state : no consumer reporting agency may make any consumer report containing any of the following. Items of information any other adverse item of information. Other than record of conviction of crime which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relay to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On XX/XX/22 I settled a collection account for less, the company agreed to delete it from credit report. The account has not been deleted, they only updated to paid less in settlement. I disputed this account with XXXX and provided the proof, XXXX refuses to delete settled collection account. If an account is paid with a XXXX balance why is it still showing on my credit report in collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer privacy and confidentiality under 15 surcharge 1681. 

Skopos financial llc # XXXX. has violated my right 15 u.s.c 1681 section 602 a. State I have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( a ) section ( 5 ) state : no consumer reporting agency may make any consumer report containing any of the following. Items of information any other adverse item of information. Other than record of conviction of crime which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relay 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 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I requested and received {$1000.00} XXXX dollars worth of Pesos from Bank of America for a vacation I took in XXXX to XXXX XXXX XXXX. 
The currency arrived as expected and I counted and confirmed in contained the correct value of pesos. ( Approx XXXX MX pesos ) I then went on vacation. 
I used my smaller bills on vacation since we did not spend very much money at all. The remaining currency I left with my in-laws who had an extended sat in XXXX. Included in this currency were two bills ; one for XXXX pesos and one for XXXX pesos. 
My Father-in-law subsequently informed me that he was having trouble with these two bills as they were not legal tender having been withdrawn from circulation in XXXX! 
I called Bank of America to see how to resolve this issue. They told me to have my father-in-law contact his local BOA branch in XXXX Texas to resolve the issue on his returned. When he did they were unable to help. He subsequently mailed the bills to me and I called BOA at XXXX. 
I gave them the confirmation number for the exchange : XXXX and they informed me that they could see the exchange but that it did NOT include a XXXX nor a XXXX peso bill!!! I told them that I did not care what their records showed as I had the bills in hand and know they were part of the original exchange. ( I have had no other currency exchange to pesos in years! ) and was very careful to ensure the " total '' value of the bills when I received them. I did not check for the validity of the bills that were sent to me and was not aware that these two bills were not legal tender when I received them from Bank of America.Bank of America are looking into this under case # 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 2022-11-01 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: FL

Complaint narrative:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give XXXX written permission to furnish these accounts. 

INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Back in XXXX I started receiving bills from Capitol one credit card when I never signed up for a credit card. I have all 3 credit bureaus on credit alert for one year, but someone I don't know has gained access to my personal information and opened up a line of credit. I'm now in debt and I'm trying my hardest to get out of this situation. I have spoken to Capitol one on a few occasions and they said that they will look into it. 
I'm asking you to please help me resolve this issue. I have only one card and it's from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, my bank account was completely emptied to offset a negative balance in my brothers bank account even though our accounts aren't connected or linked. Chase bank rationalized this action by saying since my mother co-signed both my account and his account, her signature was enough of a connecting factor for them to do that. I tried explaining that the money they took was a loan disbursement from my veterinary school that Im given to live off of but they still cited they were justified in taking the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
So back on XXXX the XXXX on a Sunday I went to a salon shop to get my hair done I had swiped my card there 5 minutes after I left I got some unknown transactions that I went to a gas station ( XXXX ) and it had took all of my money out my card I immediately called my bank ( chime ) I let them know that I got scam someone took my money they even blocked all transactions for me and gave me a replacement card I even called the police and report it and I got the police report so days goes by my bank had refunded me half of my money but not all of my money I ask why I cant have all of my money back they said they needed proof so I sent them the police report that I made that day and I sent them screenshots and proof I was at the salon that day and they still wont refund me my money back and each and everyday I keep calling and asking for my money back because they took a lot of money out of my card and I work hard for it I just wanted my money back I cant loose my money not like this please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
To whom it may concern, I have been a Bank of America XXXX since XXXX and during that time, I have enjoyed my experience with Bank of America greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on my credit card that date back to XXXX of XXXX. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was not actively using the BOA credit card. I did not notice that I had my XXXX monthly renewal plan linked to this credit card, which was the only fee I had with this card, and so I oversaw the payment. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Bank of America is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Bank of America. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Bank of America has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Bank of America is heads above the rest. I look forward to your reply.

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 2022-11-01 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/2022, I paid a deposit and first months rent ( {$300.00} & {$450.00} ) for an apartment XXXX XXXX that I did not move into. XXXX the apartment XXXX told me I would be receiving a refund to my card but that didnt happen so I disputed the charges. I received a reversal receipt from XXXX XXXX on XX/XX/2022 and sent it to chime. My claim was closed accidentally via the app and when I called chime to reopen they told me it was denied so I escalated it and was still denied on XX/XX/2022. So now I do not know where my money is because the apartments are saying that they never received the funds in the first place and that I owe them {$200.00} dollars.

Company response to consumer: Closed with explanation