vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
This complaint involves GENESIS FS CARD SERVICES. I applied for this card because I had a {$300.00} limit. I reached that limit, & put it on auto payment. My card was compromised twice, so XXXX & XXXX payment was sent back. They charged 2 late & 2 overlimit charges which I would not pay. My limit was {$300.00}, I told them I would pay that only. Of course I'm still overlimit and they keep charging me, more & more each month. And constantly calling me. 
I talked to them- XX/XX/XXXX. They said I would still charge me over {$400.00} more & because it's over limit of {$300.00}, keep charging overlimit and late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have been trying to get this off my credit report since 2 things off my credit report. I never lived at this place and don't owe them anything. i talk to the leasing company and was told they was going to fix it and it will be removed give 30 days nothing happened I see that they sold it to a collection company. 

National Credit System {$6300.00} XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My student loans ( undergraduate and graduate ) have always been paid on time. They were most recently held by Navient. Because I have made timely payments, I was sent an offer by Navient and NaviRefi to have my loans consolidated into one payment with an interest rate offer of 3.25 %. In late XXXX, 2021 I called Navient and submitted the paperwork to accept this offer. I was not made clearly aware that NaviRefi was a private company and my loans would go from government-held loans to now private loans. NaviRefi is owned by Navient, they are on all of the same logos as Navient and in my mind, there was not a clear indicator that they were in a position where they would change from government held to private loans. This information was hidden in the fine print and also hidden in the fine print was that I would no longer be eligible for public service loan forgiveness now that they are privately held. I am a School Counselor and public service worker and have been during the past 10 years of my career. My salary is minimal and being eligible for loan forgiveness would greatly improve my financial position. I feel that Navient/NaviRefi were not forthcoming with this information at all. I called and shared this situation with them to see if we could reach some sort of arrangement, and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am currently banking with US Bank. On XX/XX/XXXX there was a fraud transfer on my account in the amount of {$10000.00}. The night of XX/XX/XXXX I called US Bank to dispute the transfer. On the same day my SIM card was hacked with XXXX which I believe is relevant as well as my online banking information had to have been hacked in order to access my account to initiate the transfer which I believe is relevant. Through a almost 2 week process I have called US bank without any updates other than we are trying to recover the funds. On one of the phone calls I was told by one of the representatives that as long as I did not approve of the transfer I would be receiving a provisional credit to my account. Now Im being told by US bank that they wont do a credit with a wire transfer. I have escalated this matter to the highest authority I know how at US Bank and I need some help recovering funds that were stolen from me. I believe US Bank should do something to make this right as I never received any sort of alert that someone was in my account transfer all of the money I had in my account to a different account by the name of 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 monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL

Complaint narrative:
I presently have a mortgage with Primary Residential Mortgage Inc. Account # XXXX I have recently received a cancellation notice for my homeowners insurance for non-payment, which is Primary Residential Mortgage Inc XXXX responsibility seeing I pay money into Escrow every month for taxes and insurance. 
When trying to contact anyone I have been on hold twice for over XXXX hours each time. I contacted the lending office and finally received a call back about my issue but I was working and unable to take the call. The person said that I needed to return their call and gave me the same number that I was on hold with before and never gave me an extension to connect to. 
XXXX is my insurance carrier and policy number is XXXX, I have been with this company since 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was recently scammed by making a transfer through XXXX  inside my Capital One banking app. The scammer hacked in to my friends social page ( XXXX ) persuade me & induced me making the transfer. they promised to returned the money if the investment service if needed, but then it was a scammed. I never got what i was promised for also can't get my money back, I called the bank immediately about this and disputed. The bank denied and wasn't able to look into the situation for me. I believe there's a law Regulation E that was suppose to help & protect my situation, please let me know what can i do. The mount was XXXX which is a big number for me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: OH

Complaint narrative:
There is an old account that has been flagged as a charge-off and removed from my credit report. The collection agency ( Jefferson Capital ) has been calling me multiple times each day, with 2 of the calls being around 11 pm. They keep calling from multiple different numbers, and they have once tried announcing themselves as an IRS representative, prior to them stating that the address to mail payments to is XXXX XXXX XXXX, XXXX XXXX Minnesota, which upon further research, ended up being the address to Jefferson Capital. They have now sent a letter in the mail that shows an incorrect balance that is different from the balance XXXX shows. In the letter, it also includes them stating that I need to contact them, or else they will interpret failure to contact as an admittance of all of their information being correct, which I feel is an attempt by them to reset the legal clock of the time a debt expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This morning, XX/XX/2022, I requested a {$1000.00} credit limit increase on my Citibank Best Buy card via their website. After submitting this request, I was notified by my credit monitoring app that they had done a hard inquiry on my credit report. I was never notified prior requesting the limit increase that a hard pull would be done, nor have I ever seen a hard pull done for a limit increase request. 
I messaged Citibak/Best Buy via the customer service portal on their website and requested that they remove the hard inquiry from my credit report. Their response was, " Our system is programmed to facilitate a fair and accurate credit report review. Until you apply, we are unable to anticipate whether the resulting credit check will be a soft pull which does not impact your credit, or a hard pull which may impact your credit. '' This response is unacceptable since they did not notify me in any way that any pull would be done, particularly a hard pull. Had I known they " may '' do a hard pull, I would not have requested an increase and would instead have applied for a new card with a different agency.

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 2022-01-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I noticed a hard pull on my credit report showing on XXXX " only '' that was done on XX/XX/2021. It shows JPMCB-XXXX XXXX. This was not me applying for new credit. Ironically, I already have a card with JP morgan chase and have more than enough available credit on that card. I spoke to JP Morgan XXXX XXXX ( both the fraud department and new credit applications department ) and was told someone applied for new credit on XX/XX/2021 and it was determined to be fraudulent. New credit was denied. They also said they have sent notifications to the credit bureaus stating this was fraudulent and it should have been removed. As it doesn't show on other credit bureau reports, this would appear to be the case ( currently staring at the XXXX report ). I now have fraud alerts with all credit bureaus in case this happens again. I have spoken to XXXX and was told they have not received information from JP Morgan card services. I also disputed this hard pull with XXXX which did not solve the problem. XXXX continues to state they haven't received the fraud info from JP morgan and JP morgan says they sent out the info. Somebody is not telling the truth here and I just want this resolved and removed from my credit report. One hard pull would normally not be a huge deal. However, I'm currently trying to refinance my home. A new application for credit when you are trying to refinance a house is a big red flag to mortgage companies. I need this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I noticed a hard pull on my credit report showing on XXXX " only '' that was done on XX/XX/2021. It shows JPMCB-Card Service. This was not me applying for new credit. Ironically, I already have a card with JP morgan chase and have more than enough available credit on that card. I spoke to JP Morgan card services ( both the fraud department and new credit applications department ) and was told someone applied for new credit on XX/XX/2021 and it was determined to be fraudulent. New credit was denied. They also said they have sent notifications to the credit bureaus stating this was fraudulent and it should have been removed. As it doesn't show on other credit bureau reports, this would appear to be the case ( currently staring at the XXXX report ). I now have fraud alerts with all credit bureaus in case this happens again. I have spoken to XXXX and was told they have not received information from JP Morgan card services. I also disputed this hard pull with XXXX which did not solve the problem. XXXX continues to state they haven't received the fraud info from JP morgan and JP morgan says they sent out the info. Somebody is not telling the truth here and I just want this resolved and removed from my credit report. One hard pull would normally not be a huge deal. However, I'm currently trying to refinance my home. A new application for credit when you are trying to refinance a house is a big red flag to mortgage companies. I need this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Regarding GM FINANCIAL Account Number XXXX XXXX XXXX XXXX 36 Month Lease @ {$440.00} per month. 
Vehicle was leased on XX/XX/XXXX thru XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. 
After the lease term expired, I accepted two monthly extensions for which I paid {$440.00} each month. Unable to arrange for an agreeable lease on a new vehicle, I exercised my lease purchase option and forwarded the amount stipulated in the underlying lease document {$21000.00} to GM Financial Leasing ( my check # XXXX dated XXXX, XXXX ) at the address furnished in their related letter dated XX/XX/XXXX which is XXXX XXXX XXXX XXXX XXXX TX XXXX. I enclosed the required odometer notice and statement and requested that the title be released to Virginia XXXX XXXX and XXXX XXXX XXXX. I also enclosed a prepaid FedEx return envelope in the hope of expediting handling of the transaction. On XX/XX/XXXX, I received XXXX XXXX check for {$21000.00} with absolutely no cover letter or explanation whatsoever! In response to my telephone inquiry, I am informed that I must go to XXXX XXXX and payoff the lease! Of course, the dealership can then send the payoff back to GM Financial! In order to accommodate this FRAUDULENT CHARADE, I was forced to pay XXXX XXXX {$590.00} captioned as Predelivery Service Charge! Please note that the dealership did not have possession of my vehicle and simply filed out a vehicle buyers order and applied to the XXXX of Florida for issuance of a title which was subsequently issued on XX/XX/XXXX. Obviously, GM Financial orchestrates this scam in order enrich their dealer partners while simultaneously abrogating their responsibilities to their lessees! I ask for a thorough investigation into this matter which is symptomatic of a widespread fraudulent scheme against the public!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: PA

Complaint narrative:
I submitted serval disputes dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requested that an account be properly investigated and properly verified and the method of verification. I have received responses that the account was accurate and updated. I seen no changes made i received no responses of the method of verification. This account in question HAS NOT BEEN PROPERLY VERIFIED OR INVESTIGATED according to the FCRA 611 ( 15 U.S.C. 1681I ) my consumer right have been violated as well as the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account you are compliant in violating my rights, and will be held accountable if legal action does persist.

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 2022-01-19 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: CA

Complaint narrative:
The credit agencies : XXXX, XXXX, and Experian These 3 Credit bureaus have allowed the Debt Collectors to " RE-AGE '' collection accounts on my credit reports. The debt collectors : XXXX XXXX : XXXX XXXX XXXX  is the XXXX XXXX. XXXX XXXX : XXXX XXXX is the original creditor. 

These collection accounts should have been removed from my credit reports in 2021. I've reached out to all three agencies and none of them provided evidence to the contrary. Yet the collection accounts remain on my report, after 7 years, re-aged, affecting my credit and cost of 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 explanation
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and personal information that are still reporting on my account : Inquiries : XXXX XXXX NA Date of Inquiry XX/XX/XXXX XXXX CARD Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 non-monetary relief
Consumer complaint received 2022-01-19 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: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal action

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 2022-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went a bought a vehicle from the XXXX dealership. The loan was originally financed through Capital One but refinanced through XXXX XXXX. Capital One received the check ; however, according to the DMV records, Capital One still listed as a lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TX

Complaint narrative:
Account opened XX/XX/XXXX Account closed XX/XX/XXXX Still reporting on credit report.

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 2022-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account opened XX/XX/XXXX Account closed XX/XX/XXXX Still reporting on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TX

Complaint narrative:
Account opened XX/XX/XXXX Account closed XX/XX/XXXX Still reporting on credit report.

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 2022-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: KY

Complaint narrative:
I have consolidationg direct loans that were serviced by XXXX but are now serviced by XXXX. I have applied for a PSLF and the FedLoan site will not let me enroll for an account nor does it recongnize my social security number OR names. I have contacted MyFedLoan was on hold for an hour then someone answered and said they could try and transfer, again I was on hold for 30 minutes and I have tried repeatedly to call with no luck. I can not submit a form for help the site does not recognize my social?? I'm at a lost as to what to do? I feel like I am going in circles with this mess!!!! Thanks for your help! 

XXXX XXXX XXXX XXXX XX/XX/1964

Company response to consumer: Closed with non-monetary relief