vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I suddenly stopped receiving statements from navient. At the time that I had stopped receiving them is also to time that I had seen articles of them being involved in a lawsuit. So thinking it had to do with that, I waited. Now they suddenly start sending statements again and have fees attached. Its 2 months behind. Something that would have never happened nor had ever happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XXXX XXXX OR XXXX  Date Updated : XX/XX/XXXX Inquiries XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022 I signed up for a Chase XXXX  checking account through a promotional email that was sent to me. It stated that if I opened a ChasXXXX XXXX checking account by clicking the button in the email labeled " open an account '', with text below that email saying [ Coupon code applied when you choose " Open an account '' ], that I would receive {$220.00} bonus. The stipulation was that I had to set up direct deposit within 90 days of opening the account. After following the account set up process online, I finally had my account. I set up direct deposit for my employer about a week later. I made some deposits, got my debit card in the mail, the account was up and running. I waited for the account bonus to be added to my account but I never did. On XX/XX/2022 I tried calling Chase customer service but after an hour on hold they did not answer the phone, so I sent them a message describing the issue through their online message portal. I received a message a day later saying that over 21 days had passed since I had opened the account, and that nothing could be done. I then called their customer service line to dispute the issue. I connected with someone who parroted the same message, that 21 days had passed and nothing could be done. I asked to talk to the supervisor, was transferred to a supervisor who again, parroted the same message about the promotional period only being good for 21 days after opening the account. When I politely asked this person how I could have 90 days after opening the account to set up direct deposit and take advantage of the promotion, yet only 21 days after opening the account to resolve any issues with the promotion, I was immediately hung up on. At this point it is clear the Chase has no intention of addressing this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX FUDNING Has fraudulently trying to collect the wrong amount on a debt and has yet to verify such accounts with correct names and information. Accounts were opened fraudulently and trying to collect illegally without merit. 
XXXX Funding has yet to provide proper documentation for accounts and verify such debt. 

I don't know who is XXXX Funding and never signed up for any XXXX FUNDING accounts which this accounts are illegally opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX, I called XXXX each time it's been someone from a call center stating that someone will call me back. Never received a call back. Bankruptcy does not belong to me and variations of my name and addresses I have never resided. XXXX and XXXX have removed the public record that was inaccurate. XXXX still has not deleted the addresses from my credit report, I'm requesting 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 2022-02-15 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: FL

Complaint narrative:
On XX/XX/XXXX I received my the first copy of my credit report I found many errors starting with my personal information leading to account information that were never corrected with the following Credit Bureaus XXXX, Experian, and XXXX. On that day I wrote a letter to all 3 Credit Bureaus stating that my personal information was incorrect on my credit report, they did not correct that information. I then wrote a letter on XX/XX/XXXX stating and describing all 19 items that are reported on my credit report are being reported inaccurately and needed to be corrected or deleted. They have failed to correct that information. I then wrote a letter on XX/XX/XXXX stating the same information again and they have failed to correct it. Im reaching out to your company to help me get through to the Credit Bureaus that I have been done and injustice and they are wrongfully reporting inaccurate information on my behalf that is causing me great stress and financial hardship by not being corrected.

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 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX XXXX and Chex Systems Inc. to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my Chex System report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/21 I submitted letters to Experian and XXXX disputing accounts that were inaccurately reporting on my credit report. It has now been over 60 days and I have not received a response or removal of the accounts. I am trying to purchase my first home and this is hindering my approval. Can someone please 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 explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I was solicited by Rocket Mortgage to apply to refinance my loan, and prior to starting the process Rocket Mortgage sent an appraiser that came back with a value of XXXX so we began the application process and finished XXXX of repairs. In the same month they sent a second appraiser that came back with XXXX even though the repairs were finished. Our own research has lead us to believe both of the appraisers grossly undervalued our home, by more than 50k. The fair market value of our home without any repairs of upgrades is XXXX but they are falsely depressing our home value. 

The end result is we were turned down for the refinance, our credit score decreased by XXXX points because of the denial, and our home was falsely devalued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TX

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TX

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
One or more than one employee at Wells Fargo branch located at XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, Florida stole {$1200.00}. From my checking account. On XXXX XXXXXXXX XXXX a deposit error occurred at the ATM machine. I immediately reported the error by calling the phone number on my debit card and was assured by the Wells Fargo representative that my money was safe in the machine. That phone call was recorded, however, Wells Fargo refuse to reference the phone call. 

On XXXX XXXXXXXX XXXX the ATM machine was reconciled. This is where the theft of {$1200.00}. took place. 

On XXXX XXXX, XXXX Wells Fargo credited my {$1200.00}. To my account. I believed the error was rectified and the matter was closed. 

On XXXX XXXXXXXX XXXX  Wells Fargo stole my money for a second time. We were shocked to find our accounts demolished when we tried to buy groceries. My wife who is XXXX took sick in the super market and had to be assisted. I am a XXXX XXXX XXXX XXXX veteran who is being victimized by Wells Fargo. 

Wells Fargo refuse to answer any questions or respond to my complaint. Criminals are working and being protected by branch management

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 2022-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Inquiries and dates : - XXXXXXXX XXXX ( Finance ) on XX/XX/XXXX - XXXX XXXXXXXX XXXX ( Bank ) on XX/XX/XXXX - XXXX ( Miscellaneous ) on XX/XX/XXXX - What happened : Customer service would not help nor take care of the negative inquiries reporting to my 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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX ( Original Creditor : IXXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXXXXXX XXXXXXXX Date of inquiry XX/XX/XXXX SUB XXXX XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-02-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent letter to XXXX Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX, 2022 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : INCORRECT NAME : XXXX, XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX, CA Date Updated : XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiry XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: KS

Complaint narrative:
I have been receiving debt collection calls for XXXX XXXX for over 2 years now. I have submitted previous complaints against XXXX university and XXXXXXXX XXXX, and Halstead Financial has now called me multiple times as well attempting to collect some debt from XXXX XXXX XXXX They have told me numerous times they will take my number off their call list, but they don't and I still get calls. When I asked them out they got my number, they told me it was left as a point of contact so A ) they are lying because I have had the same phone number for almost 20 years, or B ) XXXX XXXX lied about her phone number some some credit applications or something. The XXXX, XXXX  Police Department has an open identity theft case from 2020 regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX XXXX or around that date I went to XXXX XXXX XXXX to inquire on a bedroom set since me and my wife paid off accounts there and just paid one of the night before the lady had me fill out an update sheet said thats all I need they didnt inform me they were gon na run a hard inquiry so my XXXX XXXX alerted me I said I wish u told me you were going to run my credit me and wife went back later and they notified her they would do a hard inquiry we declined because I was under the impression I was just filling out an update sheet not to run my credit they also ran it again on XX/XX/XXXX after an online inquiry I never got a response thats twice Pra I have asked them to produce the original contract that I owe Ave they cant produce it in order to prove that debt I need the original contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
INFINITI FIN / XXXX  days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XXXX days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation