vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 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: WI

Complaint narrative:
I have sent 8 attempts requesting these companies to provide compliance in reporting. 

I have sent letters on the following dates and these companies AND reporting agencies continue to report out of compliance please see attached documents of proof XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 The information being reported is NOT within compliance

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 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a debit card in the mail from Cash App for an on-line account that I did not open. As of today, XX/XX/XXXX, I have not been able to get this fraudulent account closed due to difficulty communicating with Cash App. My fear is that each day that goes by, this account is being used for fraudulent/illegal activities in my name. 

A copy of the debit card I received is attached ( front & back ). 

FYI - my personal info has been compromised and other attempts have been made to open credit cards or on-line accounts in my name. Alerts & credit freezes were applied to the three major credit bureaus in XX/XX/XXXX. I've also filed reports with the FTC and local police regarding all of these incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I made deposits in this account XX/XX/2021 and XX/XX/2021, and they inactivated the account in XX/XX/2021 for alleged inactivity. There is nothing in the fine print that says you must constantly use this savings account. I can not access this money, although I can make deposits. I have written multiple letters at their direction requesting that my account be reactivated- the only method available according to them to reactivate this account, and they keep saying they do not receive the letters. I can not access my money. 
There is no customer service other than bots.

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 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: AL

Complaint narrative:
The company failed to address the issues noted in the Consumer Financial Protection Bureau 's complaint ID XXXX. They act as though their explanation, which was simply repeating the statements of the issues themselves, was somehow sufficient to resolve the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted a dispute Through XXXX and they never got back to me. I submitted a complaint through Wells Fargo and they gave me a credit and they took it away.On XXXX I purchased tickets to celebrate my birthday for this concert and the concert was canceled with a day notice and Rescheduled to a further date in XX/XX/2022. Unfortunately I wont be in town during those dates so I wont be able to make it to the rescheduled concert. I Really hope you can help me fix this inconvenience.

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 2022-01-11 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: FL

Complaint narrative:
On XX/XX/2022, I paid my XXXX credit card down. On XX/XX/2022, the credit bureau reported an incorrect balance. I have tried to make contact to dispute this information and have been unsuccessful. I am requesting an investigation. I would like the correct balance to be corrected and updated to my report immediately.

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 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX everywhere card by XXXX had denied me MY CREDIT by discriminating me that I am not credit-worthy due to judging my credit portfolio. 

XXXX XXXX platinum and gold denied me MY CREDIT by descriminating me that I am not credit-worthy due to judging my credit portfolio.

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 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Summary of Me vs. CHASE re fraudulent credit card charges On Tuesday XX/XX/XXXX CHASE contacted me about an {$890.00} XXXX XXXX charge that they declined as fraudulent. ( On their ( Amazon ) XXXX XXXX XXXX ) When I verified that it was fraudulent, they advised me to check other charges on my account, and they issued a new card XXXX I found and reported 12 additional charges dated from XX/XX/XXXX to XXXX, XXXX of them placed in XXXX, XXXX  - about XXXX miles from my home in XXXX, XXXX. 

In answer to their phone rep, I could only honestly tell them that the card was still in my wallet, not lost or stolen. Ive been a CHASE customer for decades, one would think telling the truth would help them learn how theyd been fleeced. 

A few weeks later they informed me that their position is that I benefited from the purchases, and they reimposed the charges to the new account. Apparently since I did not lie, and say the card was lost/stolen, they maintain that the actual card was used, and so it must have been me. 

I sent them a detailed day-to-day summary of my home/local activities compared to the times and locations of the fraudulent charges. ( attached ) ( The XXXX  mtgs that make up much of my listed activities are either congregation meetings that I conduct as an XXXX XXXX  of XXXX XXXX, or sessions during which we work together making phone calls to encourage our neighbors to learn more about the XXXX. ) I know the schedule doesnt make it impossible for me to have carried out ALL the fraudulent charges, but combined w the fact that I am a XXXX XXXX  ( of XXXX years ) with no criminal record and decades of now XXXXcredit-score reliability, I dont know how any reasonable person could conclude that I have suddenly commenced a new way of life as a thief and liar. 
If they contend a card was used, I have to think that - if there can be TWO cards, mine and my wifes, then there can be a third, or more. I even sent CHASE my photo in case they had access to security video of any of the transactions. 

I have informed CHASE that I want to see the results, the proof, of their thorough investigation. So far nothing has been forthcoming. 

Thank you for considering this matter. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Due to covid, my business and income suffered. I contacted Kia finance and requested help and asked if there were any covid options to help. I was told no. After falling behind on the vehicle by 30 days an account manager called my phone and advised that if I were able to make the payment I would then be eligible for a two month deferment. I advised that I would be able to make the payment in a few days when a client was able to make payment to me. He stated that would be fine and to call back on Monday. He advised all my calls were routed to him. However, after making the two payments ( both vehicles ) and calling on Monday, I spoke to a customer service rep who did not know who the account manager was. She did not route me to him. I passed along the information he provided and she advised I could move forward with the deferment. She was incredibly rude and asked a lot of personal and deeming questions. When she was complete and received the information she asked for the call ended. Less than 45 days later my car was repossessed. I had just been paid the evening prior and was bringing all my accounts current. My XXXX  XXXX  was over. When I headed to the driveway at XXXX to take my babies to daycare, my car was gone. I NEVER even received a phone call. I was under the belief my cars were in deferment. I called Kia and was advised I was almost 60 days behind and my account was not in deferment. They stated they had no knowledge of a deferment and no recording of that call or any other call from my number. Furthermore, they stated my phone number wasn't even listed on the call list. We have owned the cars for two years. I purchased them and I earn the income in our home. I have always been listed but prior to repossessing our cars they switched all contact details to exclude my line- which was listed for XXXX XXXX to my husband 's employer line and cell phone. They never once left a message- on account there is no voicemail set up!!! I paid close to {$3000.00} to have my car returned that I was told would be in deferment for two months. And even now that my account is current, the online system still shows past due balances though I pay it in full and more each month. They refuse to remove the two late payments ( 60 day lates ) from my credit and refuse to acknowledge this failure to defer the account. Kia 's sales team, financing, customer service department, all of it has been so dissapointing and unsatisfactory from the start of this purchase. We have not had a late car payment in six years! I asked for help and they denied it.. and when it was finally offered in the form of a deferrment- they repo 'd my car and marked me 60 days late.

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 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: MD

Complaint narrative:
In XX/XX/XXXX, I got a copy of my credit report and saw this debt on my report so I disputed it with all 3 credit bureaus. After 30 days, the debt was removed from my XXXX and XXXX report because they failed to verify the debt was valid. However, XXXX did not remove the debt. When I called XXXX, I was told that the debt was verified with them and that I needed to contact the creditor. In XX/XX/XXXX, when I called Hunter Warfield, I realized that they were a debt collector and not a law firm. I asked them can they show me proof of the debt to validate it but I was blantantly told that they did not have to show me anything because they proved it to XXXX, he was very nasty, disrespectful, and biligerent with me and hung up the phone on me. It is now XX/XX/XXXX and I have not received any type of communication whatsoever from Hunter Warfield validating this debt. Upon doing my research on this company, I found out that this company has many complaints against them for doing the same things that they are doing to me. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc.
State: CT

Complaint narrative:
A company called Tasman Credit has called my office. I am a Realtor and my office number is for business only-not personal use. They called and let the receptionist know they were from a debt collection company and needed to speak with me urgently. When they transferred the call, it read on my Caller ID that it was my office calling. They were very abusive and told me to be responsible and pay my debt. I told them that I was not aware of this debt and the guy laughed at me and said I should be aware. He went on to say in a VERY SARCASTIC tone that " I'm sure you're soooo busy since you're a realtor and all but take some time and pay your bills. '' I was with a client at the time and was very frustrated with him and asked that they never call me at my office again. I also asked that they just mail me the information on my supposed debt and I will review it. 

I have NEVER received any information verifying this so-called debt. I have been called repeatedly by them on my cell phone and I have asked that they only mail any questions they may have. I even offered my email address. I asked that they not call my cell phone because I need the line open for my business. Tasman credit has interrupted several phone calls I have been on and are causing me a great deal of XXXX They won't give me proof that I owe them money but they are fine with calling my business and telling the administrators at my office that I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
in XXXX my student loans with Nelnet were put in forbearance due to hardship. I was told by the representative that they would stay in forbearance for 1 year based on my income. Instead the representative put my loans in a 1 month deferment. I then moved and by the time I got settled into my new state and mail forwarded. I received notification that my loans were past due. Confused, I got through the same process! I still have the emails sent to the student loan provider in XXXX and XXXX showing I was on food stamps, XXXX and met the income qualifications to stay in a 1 year forbearance. Keep in mind these calls are supposedly recorded and documented so there should never be an issue. I provided the documentation on several occasions between XXXX showing that I could not financially afford to pay back my loans. I was told each time they would be in forbearance based on my income, proof of government assistance such as XXXX, XXXX XXXX, XXXX XXXX and household size. Yet these representatives instead of helping me kept putting my loans in 1 month deferments. It took returning to school and finally speaking with a helpful representative to put my loans in the income based repayment program in XXXX. My issue is this late payment history that was no fault of my own has been negatively effecting my credit report for years. I have disputed, called, and sent a XXXX letter. I am a XXXX  and Veteran and completely disappointed with how I was treated by this lender and the false information portrayed on my credit. Costing me thousands a year in predatory interest and directly effecting my ability to obtain new credit. keeping me in a position of hardship for years. The dates for these so called late payments do not even match on all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: OR

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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

Complaint narrative:
PayPal permanently limited my account for 180 days yet I didn't do anything wrong. This happened on XXXX XX/XX/2022. I understand the decision was made for security reasons but this is unfair because I need to pay my school fees ( very urgent ) and bills as I don't have other means for getting money. Kindly assist a desperate case. The email address linked with Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Two accounts were opened in XXXX in my name in XXXX. I have never been to XXXX. The accounts are reporting as a collection/Charge Off on my credit report. 

Name of account Capital One Bank XXXX XXXX ( 2 accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my current credit report from your bureau, I came across the disputed items, and I don't think they are 100 % correct. Please investigate and correct the unlawful behavior immediately. 
Below are the list of the Items : ( XXXX XXXX XXXX XXXXXXXX ***** Opened XX/XX/XXXX Balance {$1700.00} ) This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
( XXXXXXXX XXXX  ***** XXXX XXXX, XXXX XXXX {$0.00} ) Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$120.00} ) This account evidently has a communications debt. In order to do so please provide your FCC identifier number and send the documentation that this in fact belongs to me and on my credit report. Because as I see it is not as it is clear they are attempting to collect on an out of statute debt. Please investigate and correct the unlawful behavior immediately.

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 2022-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After receiving the feedback from Capital One Auto Finance, I have spoken with the company and the General Manager there at XXXX XXXX XXXX XXXX, XXXX. He has advised for me to request that your company sends him an email directly and he states he will vouch for me that this is not my account. His email address is XXXX. I will also be faxing over the police report to you guys as well once I am able to, I have been diagnosed with XXXX as of yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: RI

Complaint narrative:
Someone applied for and received 2 personal loans in my name and deposited the money into my personal bank account. Fortunately my bank caught this before they could withdraw the funds. 

The bank froze my accounts so that the funds could not be withdrawn and I am working the bank investigators to resolve. When I pulled my credit report, these crook also tried to obtain loans from 12 other lenders all in a 3 day period in my name. 

They also applied for unemployment benefits for me too. 

Watch out, these crooks are working overtime to destroy your lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My father 's home was in a reverse mortgage status with Reverse Mortgage Servicing Dept when there was damage done to his home ( water pipes froze last winter ). Insurance covered the loss, but the funds for repairs were held by Reverse Mort Serv until the work was completed. Work completed more than 2 months ago, and inspections were made and approved by Reverse Mortgaging inspectors, AND the home was sold in XXXX. Since then, I have been trying to retrieve over {$18000.00} in funds owed, but the reverse mortgage company tells me they have tried to mail the checks to my address, but they keep coming back " undeliverable. '' I have lived at the address for 20 years. This has apparently happened 5 times. I have never received a courtesy call when this happens, the only way I find out is by phoning them several times a week. They tell me that they can not wire the money or send it any other way, unless I send them a prepaid envelope. Last week I sent them a prepaid XXXX label and they still have not sent the money. I have had to pay vendors for the home repairs out of my own pocket. I am just looking to rectify this issue that has been going on for several months and retrieve what is owed to me. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation