vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help 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 2023-10-23 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: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
Hello, my name is XXXX and I am in desperate need of your help. I have been trying to get my auto title to my XXXX XXXX XXXX for over 30 days from Chase XXXX. I paid the car off the first week of XX/XX/XXXX and I was told it would take XXXX to 10 days to receive my title. It even states this on their website. 

I have called in around XXXX to XXXX times just this past week, ( not counting the times I've called in since XXXX ), trying to get this resolved and have spoken to over a half dozen people. I have been given their account supervisor phone number of XXXX. All I am getting is the run around and no one is helping. I need my title and bill of sale and they just are not sending it to me. 

The document they said they have sent for my bill of sale and only for my bill of sale are not, indeed, a bill of sale by any means. I will attach that as a reference. Please help me get my vehicle title for the car that I paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Aidvanatge is the current services for my loans. I applied for my SAVE plan on XXXX XXXX on XX/XX/23 and was told to do it again on XX/XX/23 and XX/XX/23. All documents have been submitted and I have callers over 100 times to try to get answers and all I am told is it will take 10-15 days to process. I have been cursed out and hung up on and talked to rudely by the customer service representatives and have yet to have my payments updated to reflect the new payment plan. I have been repeatedly been told the issue has been corrected but it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of double dipping by wells Fargo and I tried talking to them I was informed that they can charge whatever they want.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit score don't reflect the items on my report. On transunion or experian low scores and good payment history is not accurate and I want it fix ASAP

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc.
State: WI

Complaint narrative:
On XX/XX/2023 I received notification that a hard inquiry hit my report Via XXXX XXXX. I contacted the company to let them know that I did not authorize the inquiry, and I was told that I would need to wait 5 days until it could be reversed. I continually tried to call the company until I was told I would have to dispute with the credit bureaus. When I disputed said information to XXXX and requested validation, I would receive a response that the information was validated. On XX/XX/2023 I sent correspondence to the company requesting validation, according the Fair Credit Reporting Act I am entitled to be shown an original contract bearing my wet signature authorizing this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Services Group, Inc. d/b/a ConServe
State: IL

Complaint narrative:
On XX/XX/2023 I disputed the following account Conserve ( XXXX ), I requested that XXXX do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company delete the inaccurate information reporting from my consumer report within 30 days! This company has failed to provide any proof of contract with my valid signature contracting an agreement between myself and Conserve .I would like for this account to be removed immediately as it is affecting my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
TD Auto Finacial was sent a request to send a lien release for a XXXX XXXX XXXX XXXX. TD Auto Finance sent a paper copy of the Lien Release with a postmark XX/XX/XXXX. TD Auto Finance however refuse to remove the Electronic Lien and Title Release with the Department of Motor Vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am not liable for the debt with so & so. They have not provided me with XXXX XXXX XXXX. I have not signed a contract with so & so, they did not provide the original contract as I requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-10-23 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
This was previously disputed. 
The dispute was resolved. 
Reporting as paid/closed. Paid as agreed. 

Lease is from XX/XX/16... Almost 7 years ago. 
This should not be reported as adverse information on any credit agency report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
We were made aware in XXXX that we were paying personal mortgage insurance on our FHA loan. At this time, we requested the information from Carrington Mortgage to cancel the PMI insurance. They were requested us to fax over a request for removal, and we're ensured that it would be taken care of. Fast forward to XXXX of this year, we were working on refinancing our home, we again found out that we are still paying the personal mortgage insurance after having sent a fax to request removal in XXXX. As of this month of XXXX, we are still continuing to pay that PMI insurance after again sending a fax to them on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My partner and I were ready to depart from a XXXX on XX/XX/23 from XXXX, XXXX. He had a XXXX on the ship, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/23 the merchant charged my card for {$5400.00}. I contacted the credit card company and disputed the charges ( lost three times ) as I never received a statement of the charges. On the ship I used my card for incidentals ( other purchases ) but was not expecting a medical problem and to charge my card for my partner 's medical expenses. We have travel insurance and could get this reimbursed but they are asking for a copy of the medical report and itemized bill. The merchant told me only recently that they sent this information to my partner 's email and due to HIPPA can provide it to me. My partner is unable to make his own decisions now and can not access his own email to access the information. I believe this is unfair to me considering I am already traumatized and now financially being charged this amount with interest.

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of this year 2023, Bank of America decided to close my credit card, saying that it was a unilateral decision on their part. When I checked, they took away all my points earned in the rewards program that they offer, something that almost reached {$2000.00}. When I called on several occasions they told me that they could not do anything, since they had decided to close the card and the points were lost, I opened a claim and they answered the same thing, however they told me that I had to pay my credit card as much. as soon as possible so that it does not affect my finances, it seems to me that if I earn my points using the card as they say, it is not fair that they decide to keep the reward, however, as I said before, it must be fully complied with with the payment to them, I was finding out and investigating where I could complain until I managed to get this excellent page where I can leave my problem and I think you can help 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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/2023, I used my Capital One Mastercard to make a purchase on the XXXX XXXX from a seller that accepts payment through XXXX. 

When I went online today to make my monthly Capital One payment ( following the deposit of my Social Security XXXX Income ), I found what I believed to be an incorrect assessment of a {$10.00} " cash advance fee ''. 

I called Capital One for clarification, and was informed that any purchases through XXXX are considered a " cash advance '' and- in addition to the {$10.00} fee ( or 3 % of the amount, whichever is the greater ) - an interest rate in excess of 30 % would apply, which continues to accrue until the cash advance is paid. 

When I asked if there was an avenue to specifically pay the " cash advance '' amount, I was told there was no way to do so except to pay off the entire credit card balance of {$4900.00} ( out of a {$5000.00} limit ) .. and that the 30 % + interest would also be charged and continue to accrue ON THE {$10.00} CASH ADVANCE FEE itself! 

I requested to speak with a supervisor, and asked that - as I subsist on a social security XXXX income - perhaps Capital One might extend a one-time compassionate consideration and at least waive the {$10.00} cash advance fee ( since I was unaware that processing a Capital One charge through XXXX was considered a " cash advance '', nor that I would incur such outrageous fees and interest charge ), I was advised that they " had no way '' to do so, and was summarily dismissed. 

I will never again use my Capital One credit card for ANYTHING " cash-advance '' related, and will do everything within my ability to pay down the entire balance without incurring any further charges, and ultimately reserve this account solely for emergency situations, or close it altogether.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I closed this card on XX/XX/XXXX and was charged the annual fee for next year, XX/XX/XXXX to XX/XX/XXXX. When closing the card I was told by the representative that the fee would be refunded pending a request by the BofA team. 

I received a statement on XX/XX/XXXX with a balance of {$95.00}, which was the annual fee. When I called Bank of America on XX/XX/XXXX, I was told by the representative that this was denied without any explanation. 

This card is now closed within the year it was open, and I would like a refund of {$95.00}. This is standard industry practice. 

Thank you.

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 monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. The accounts that I am referring to are the following : -- -- -XXXX  XXXX -- - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. The accounts that I am referring to are the following : -- -- -XXXX  XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On Saturday XX/XX/ XXXX XXXX  with no explanation Capital One had closed my account without letting me know any knowledge and that the judgment is final and that I can not dispute their judgment but I've never had a credit card before I've never been in debt to my knowledge I've never been in trouble for credit fraud or anything that has to do with money never they're the only place that would give me a line of credit of {$300.00} and they can see that my yearly salary I can pay that no problem I make almost {$80000.00} a year why nobody else will give me credit I don't know nobody will give me a shot except for Capital One but within 2 months they shut my account down without explanation I need help

Company response to consumer: Closed with explanation