vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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: NJ

Complaint narrative:
They closed my account because i had used the words XXXX XXXX XXXX when speaking to an employee after they locked my card. I called and no one told me why i was closed they said you got ta wait for mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: NY

Complaint narrative:
There is an account from XXXX XXXX on my credit report that is not mine, it's a fraud account. I'm a victim of identity theft, so please help me to remove this fraudulent account from my credit report. 
The fraud account is the following : XXXXXXXX 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 2023-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX - Email sent to Aidvantage asking why my student loan payment amount on the SAVE plan was XXXX XXXX  higher than the estimate range that the federal student aid website simulator calculated, because the i formation I submitted through Aidvantage on my application was the same information I used on the simulator. This email still has gone XXXX responded to. 

XX/XX/XXXX - Tried calling Aidvantage without success. On hold for XXXX minutes. 

XXXX Opened a complaint case with the XXXX XXXX XXXX Department of Education . No response as of yet. 

XX/XX/XXXX - Tried calling Aidvantage without success. I was on hold for XXXX minutes, only to be hung up on. 

XX/XX/XXXX - Sent a certified letter to Aidvantage asking them to : - Provide me a record of my submitted SAVE application with the date I submitted to Aidvantage, and the date it was then submitted to the Department of Education on my behalf. 

- A full breakdown of how my payments were calculated using the information I gave in my application referenced above. 

- An explanation as to why my payments are XXXX XXXX - XXXX XXXX higher than the payment estimate bands given to me on the federal student loan payment simulator. 

- A request to place my account in an administrative forbearance until all of these items can be received and this is resolved, due to the fact that I've attempted to contact them multiple times about this issue without success. 

XX/XX/XXXX - Certified letter arrived to Aidvantage via mail tracking. 

No one has responded or reached back out to any of my attempts to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
On two different months i did exactly what the company Avant advised and they still did not allow that second payment to be for the next month and continue to charge outrageous late fees every month and I have told them i only get one check a month and it is on the third buth they continue to not do what they advised to help remedy the problem according to them. Im tired of their lies and their deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, 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 non-monetary relief
Consumer complaint received 2023-12-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 2023-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Mercari, Inc.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX. I am contacting in regards to seller account XXXX XXXXXXXX, email ( XXXX ) merchant ID XXXX. I have had an account on Mercari for nearly a year now with an exceptional track record. There was a total of XXXX sales, XXXX star feedback with a rating of 4.92 %, and 1 % return rate. I had only one customer claim the item they received was not as described which took place on XX/XX/23, many months ago. I have had zero listings removed, no knowledge or understanding I violated any policy until yesterday on XX/XX/23 I received an email out of the blue stating my account was closed due to the belief I was selling prohibited items. I immediately contacted your support asking why this occurred, and the ability to rectify any concerns you may have felt about my selling of items. I was denied this, and not allowed to submit any information to appeal. Having understood your terms & agreement I have currently $ XXXX being held, without any option to withdraw the funds. There was nothing on my account that flagged a purpose to make such a drastic decision, and although I understand the want to ensure sellers uphold your policy, I was not given a fair option to appeal this decision that was made by mistake. This does not seem like it would legally be upheld in the court of law, you have made a determination based on no basis other than actively go out of your way to make judgement about my listings, however I have had XXXX customers receive products from me, and they have felt differently, many of which clearly state in the feedback my products are authentic. Therefore if this decision was made without alternative motives, it would only make rational sense based on all the evidence outlined I would be given at the very least an option to submit my case and appeal your decision. We are speaking on grounds of ethical practices a marketplace should operate under.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I was on a company phone plan which used XXXX and upon changing jobs needed to get onto my own phone plan. I had intended to just keep using XXXX, ultimately they could not get my phone to work and switched providers, but eventually I started to receive a bill just for getting of my company plan. They were never able to provide any such agreement or reason that would require this exorbitant {$350.00} cost and said the issue could not be resolved and was sent to debt collectors who have been harassing me since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I have a mortgage with Lakeview Loancare. They had a data breach on or around XX/XX/23. No transparency was provided, and yesterday ( XX/XX/23 ), I receive an email stating, " We're Back Online '' in the subject line. In the body of the email, there was no admission of what happened. Come to find out, they were impacted by XXXX XXXX XXXX systems being hacked for ransomware. They were " offline '' for several days and I had no idea! Lakeview stated in their emails customers now need to re-enter their bank account information ( which still doesn't work ) on their *new* portal. I don't feel comfortable trusting this company with any information ever again. This is insane when you think that they have my SSN, DoB, Address, BANK ACCOUNT Information, etc. This company needs to get heavily fined and a class action suit should be filed against them. I am so upset over this, and worried about having to continue to do business with such a poor, unethical company.

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 2023-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and discovered accounts that I did not recognize. I did not authorize or I did not made transactions with these accounts. Attached with FTC On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union Corp., No. XXXX ( C.D.Cal. XXXX. 
XXXX, XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated

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 2023-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I filed a report with your office Money lion did contact me and told me that a refund of XXXX was sent to my bank there has been no payment made the gentleman I was dealing with requested I show him screenshots of my accounts I complied still did not receive a refund! I still have an account with them how hard is this to put the money in the account???? The amount was XXXX and I told him that he said the price is no negotiable? I have bells palsy and me stressing is making rhis worse. Action needs to be taken today. This is just sad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: PNC Bank N.A.
State: MD

Complaint narrative:
My husband XXXX XXXX XXXX died XXXX XXXX. I sold his XXXX XXXX XXXX truck recently. The truck was paid off and apparently there was lien on the vehicle that was not due to my husband 's ownership. I have been in touch with XXXX, PNC Bank, and XXXX. Everyone has been very solicitous of my dilema, but there is no solution. The last person I spoke with said that a lien release letter had been mailed from PNC bank on XX/XX/XXXX. I have not received the letter. The vehicle was sold about a month ago and the buyer has not been able to get a clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: IL

Complaint narrative:
I recently reviewed my credit report and discovered accounts that I did not recognize. I did not authorize or not made transactions with these accounts. Attached with FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Someone is using my name and information and has opened a credit line with JPMCB OF XXXX XXXX 
I contacted the bank " Chase '' by phone and in person who states they see a profile created but no card was dispensed. 
My credit report says otherwise. 
a opened date as of XXXX credit limit of XXXX. 
To resolve this issue the account needs to be closed and removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
i have XXXX accounts serviced by Specialized loan servicing on XXXX seperate properties. There are XXXX different amounts XXXX for {$590.00} and XXXX for {$490.00}. 
these XXXX properties are right next door to each other so properties are similiar which XXXX lead the lend to some confusiton. This service lender has handled my accounts for over 5 years with out a problem until the last XXXX months when they applied my payments to the wrong account resulting in XXXX account being overpaid and the other short. for XXXX months i have spent over an hour working through their automated system to get to a live person.For the past XXXX months i get daily messages telling me to call them. Each time after much effort i get them to correct their problem. i send payments from electronic payments from my bank. i verified that the account numbers are reflected on the checks so their should be no problems matching up the payments. Today i tried to reach out to a supervisor. After working through their automated system and speaking with a customer service representative XXXX. i was cut off. over the past XXXX months i have spoke with XXXX, XXXX, and XXXX to name a few without resolving my problem. thank you for intervening and resolving my problem 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 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I logged into my account on XXXX checking for my deposit and if chase had posted it. At this time chase had not posted it z. I received an email at XXXX XXXX cst about my statements the account was still open but my deposit was not released around XXXX XXXX cst approximately I logged into my account noticed chase had closed my account. 20 days prior I made agreed arrangements and was informed this was okay. I called chase and they refused to release my account and funds at the account depart by phone, with the escalation department, and with the executive office. They kept telling me they were monitoring and recording my call but when I informed them I was recording also they were rude and kept telling me I couldnt record me and it wasnt allowed. Several representatives refused to assist me. I became upset. They refuse yo release my. Paycheck and then began to become argumentative which further upset me. Then then kept saying I will have to wait until the fully close my account and the. They will mail a check. I want my money today XXXX

Company response to consumer: Closed with non-monetary relief