vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 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: OH

Complaint narrative:
Violation of a code : A filed requirement or provision under the law. 
XXXX XXXX bank willfully failed to comply with 15 USC 1681s-2 ( b ) under the FCRA and is liable under 15 USC 1681n ( 1 ) ( A ) to XXXX XXXX I am within the statute of limitations, per 15 USC 1681 p I am entitled to a private right of action The elements of my claim, factors that are met to make this claim is that I have disputed this info with the Credit reporting agencies. The Credit reporting agencies told you all ( the furnisher ), XXXX XXXX, and you as the furnisher investigated. The Credit reporting agencies failed to conduct a reasonable investigation. I have suffered concrete harm in damages due to this failed investigation. 
I, XXXX XXXX, the defendant am liable after a failed requirement and I am entitled to {$1000.00} per 15 USC 1681n.

As far as damages, I have suffered statutory, actual and punitive damages. Statutory damages I am entitled to {$1000.00} per 15 USC 1681n ( a ) ( 1 ) ( A ).

As far as actual damages, I have suffered denials due to excessive chargeoffs per XXXX XXXX and XXXX reporting agencies inaccurate reporting and failure to perform a reasonable investigation per 15 USC 1681o ( a ) ( 1 ). If XXXX XXXX and the credit reporting agencies wouldnt have falsely reported a wrongfully charged off account, then I would never have been denied in the exhibit attached. 
To state a claim under 1681s-2 ( b ), a consumer must : 1. Alert the credit reporting agency or CRA of a dispute regarding the allegedly erroneous information that it reported.

2. Allege that the CRA alerted the furnisher of the credit information of the dispute, which triggers the furnishers duty to investigate.

3. Allege facts which show the furnisher failed to undertake a reasonable investigation of the disputed credit information and I have suffered damages because of that. 
And I have done all that, please see the attached invoice. These are serious violations of the FCRA and I now reserve the right to pursue legal action for this clear violation of FCRA! I demand that you immediately delete this account from my credit report or update it to paid in full and satisfied in order to avoid legal action, I will also fax this to the Consumer Financial Protection Bureau.

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 2022-11-18 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
Previous CFPB complaint 's addressed response is incomplete and inaccurate. PHEAA is demanded to remove delinquency statuses beginning on the date the payment is scheduled. On XX/XX/2022, a payment will be made over the phone with a valid XXXX XXXX. I will be contacting a representative from my financial institution and the CFPB to witness that a payment will be processed on this date. Once PHEAA reports that the account becomes 60 days past due despite the payment being accounted for ON XX/XX/2022, PHEAA will be engaging in fraud and misreporting to the Credit Bureaus. Furthermore, if this occurs, I will be alerting the CFPB, the FTC, all Major Credit Bureaus, the XXXX XXXX XXXX XXXX  office, and a few attorneys with screenshots of the bank account proving the payment was processed on XX/XX/2022, yet PHEAA would maintain reporting the account as delinquent past 60 days despite their inability to reflect the status appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
i have been asking the company for years to put my frequency date at the XXXX and the XXXX, now that my loan is almost paid off and I have lost my job this last month calls for XXXX payments. this probably not the first time that they have stuct to me like this. I called them last week and aske for a loan modification, they tyold me yestewrday that it was denied because they could not give those dates. i asked for other dates and asked for another loan modification. i tyalked to about XXXX or XXXX different people, XXXX in escalaion. i talked to excutive in escalation. they can not give anan answer on the modification until Tuesday, all the time XXXX to messe my XXXX i ask to talk to corporate, it is obvous they want more money up.they do not want to do anything about tere mistakes but hold me accountable. if and when i do XXXX  a new or used vehicle i will not use these guys and futher more I do not recommend them. at the end of my loan they start to act like this,

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 2022-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.

Complaint narrative:
I moved to XXXX in XXXX. When I first moved here, Nelnet accepted monthly student  loan  payments in XXXX funds with XXXX checks sent in the mail. Then suddenly they required those checks to be in US funds, so I opened a US checking account here and sent my payments that way. Then suddenly those got mailed back to me, and Nelnet said they no longer would accept them because they have a " foreign routing number ''. So, I would get a US bank draft every month and then mail the payments. Mail from here to US is unpredictable and payments often arrived late ( they would not accept post dated checks either ), the bank fee was $ XXXX and a hassle, so I inquired if there was another way to pay. They said they do indeed make exceptions for XXXX  residing customers and would allow payment by phone with my credit card. ( Online bill pay doesn't work either, nor does my debit card here -- because my bank is considered to have a " foreign routing number ''. ) For credit card payment I had to phone a NON toll free number, though. Anyway, that worked for about a year and was very convenient. Then I went on a XXXX  XXXX, and qualified for $ XXXX payments for a year on the income driven repayment plan. Now, I am back to needing to make monthly payments. I phoned just the other day to make my first one, called the NON toll free number as I had before, the teller entered my credit card information and then put me on hold approximately 3 times for 10 minutes each ( NON toll free! ) because she was unable to process the payment. Turns out, Nelnet no longer accepts credit card payments for XXXX  residing borrowers. She said " we used to do this all the time, I hadn't known the policy changed ''. She says the only two options I have now are to 1 ) have a family member residing in the US pay my monthly student loan amount for me ( ha!!! ) or, 2 ) POSSIBLY that a pre-paid XXXX  card would work. I will not burden someone else with making my student loan payments for me every month, and I find it appalling that the US student loan provider does not have an option for me to do this. When I asked if the pre-paid card method would work, all she could say was, " I don't know for sure, but you can try it. '' Why would I go to the trouble of buying the pre-paid card, calling the long distance number, waiting on hold, trying to make the payment -- all for it to fail? 
Why does Nelnet not have an option for someone who does not live in the XXXX to make a payment on their student loans? I surely can not be the only Nelnet customer who lives abroad. 
She had no other options for me. Get a family member to pay it, or buy a pre-paid card and try again but " it might not work ''. 
I refuse to call back and try this. If Nelnet wants me to make payments on my loans, from XXXX, they need to come up with an easy and fast way for me to do this. It is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I hired a husband/wife by the name of XXXX XXXX and XXXX XXXX to perform renovation work on my home. To start the renovation work they requested XXXX to purchase materials and in return I requested their credentials and XXXX license. During the city permit request process, I realized the XXXX license number provided by the couple belonged to a dead person. I notified the couple and requested return of the XXXX I paid them through the ZELLE APP available through XXXXXXXX XXXX account. They disappeared with my money and I proceeded to open a police report which is actively being investigated by a detective with the XXXX XXXX XXXX police department as A FELONY CHARGE. I also notified chase bank and ZELLE of this theft by deceipt criminal act by XXXX XXXX and XXXX XXXX. I was also able to confirm that the XXXX payments I made went into a verified bank account which belongs to XXXX XXXX. 
A verified account means ZELLE and XXXXXXXX XXXX have vetted and authenticated XXXX XXXX. 

XXXX ) So why is ZELLE and XXXXXXXX XXXX not looking at the balance sheet? 

XXXX ) Why is ZELLE and XXXXXXXX XXXX allowing XXXX XXXX and XXXX XXXX to steal from customers by condoning these criminal acts being performed through a verified account? 

XXXX ) ZELLE policy is not available on the XXXXXXXX XXXX app, why is XXXX endorsing and advertising a service that they did not get themselves? 

XXXX XXXX and XXXX XXXX are thugs and utilizing verified bank account for their malfeasance which means the bank is condoning their criminal acts. This criminal act by XXXX XXXX and XXXX XXXX did not take place in a foreign land, it happened here in the United States and I am sure this is not the first time XXXX XXXX and XXXX XXXX have utilized a dead person 's XXXX license information to steal from people. Their account should be flagged for fraudulent activity. 

ZELLE and XXXXXXXX XXXX  are no different from the the XXXX XXXX XXXX XXXX because they are all liable, lack accountability, and XXXX fraudulent acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Dear Director of Consumer Financial Protection Bureau, I am writing you regarding the deceiving practices manifested by United Wholesale Mortgage.

UWM is BYPASSING you and they TAKE ADVANTAGE OF ME. 
United Wholesale Mortgage DOESN'T ANSWER the COMPLAINTS Take for instance the complaint XXXX. 
They falsely pretended to respond by adding to their response tens of pages UNRELATED with the issue. ( none of the pages is relevant to the complaint ). 
This manipulates your website ( CFPB ) and also BYPASS a legal requirement to respond in 60 days, because in fact they never answered. 
I am addressing this concern since it already happened 2 times to me with my previous complaints. 
I believe your role is to protects us as consumers, but UWM practices creates so many " entreprenurial '' misleading to BYPASS YOU and to hide the overcharges and violations.

I repeat : THEY MAKE IT LOOK LIKE THEY ANSWER but in reality THEY ATTACHED TENS OF PAGES UNRELATED WITH THE ANSWER because they can BYPASS YOU and AVOID to CORRECT THE ABUSE AGAINST ME.

Please read carefully the COMPLAINTXXXX AND PLEASE READ CAREFULLY THE ANSWER. 
They BYPASS you and they make you CLOSE THE COMPLAINTS without actually answering. 
This creates lots of injuries to me as a consumer. If they BYPASS TO ANSWER HERE, ON CFPB website, can you imagine how much they VIOLATE RESPA on other circumstances and avoiding to answer or to correct the abuse?

This means I remained injured and this system is BYPASSED AND COUNTERPRODUCTIVE. please help! Please look into this situation, this company acted very dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
I reached out to Receivables Management requesting why they are reporting on my credit report, details of debt, and deletion several times. This company surprisingly showed up on my credit report as a Collections Account yet NEVER mailed or emailed me a bill. This is a direct violation of the NO SURPRISE Act and I am demanding an IMMEDIATE deletion. Not only is this a violation of the NO SURPRISE Act but also a violation of the Privacy Act 15 U.S. Code 1681 602 ( a ) ( 4 ), I did NOT consent to Receivables Management to report to my account 15 U.S. Code 1681s 604 ( a ) ( 2 ), or access details to any medical records as a violation of HIPPA laws. These charges are fraudulent, my rights have been revoked.

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am the POA and court-appointed conservator for a checking account holder at Wells Fargo XXXX I became her POA in late XX/XX/XXXX. Upon reviewing her financial records, it was apparent that there were fraudulent checks clearing her account from XX/XX/XXXX - early XX/XX/XXXX. In fact, a letter was found from Wells Fargo Fraud dated XX/XX/XXXX stating that there was potential fraud and that the account would only be unfrozen if the accountholder contacted XXXX. I went to a Wells Fargo branch on XX/XX/XXXX to provide the POA agreement and notified them that there was check fraud occurring that amounted to over {$50000.00}. I was told the POA agreement would be sent to Legal for review. On XX/XX/XXXX, I returned to Wells Fargo to get statements and sign for the account ; that documentation was being processed but I received the copies of the checks. On XX/XX/XXXX, I returned to the branch and asked to make a fraud claim to attempt to regain the funds. I was told I was not yet added to the account so I could not do so. I returned again on XXXX and was told the POA was not yet processed even after explaining the urgency. On XX/XX/XXXX, I went to the branch to sign additional documents and was added as POA. Checks continued to be presented on the account and some were rejected for fraud. One check did clear the account for {$4500.00} on XX/XX/XXXX. Why was this allowed to happen? Why did Wells Fargo leave an account open that was clearly compromised? It is extremely difficult, if not impossible, to speak to someone at Wells Fargo who can address this. I have called and I just get passed from one department to another. Branch employees are not able to help with fraud. My client has losses of at least {$61000.00} and Wells Fargo has still not taken a fraud affidavit. I felt that making a written complaint was my only option at this point to see if someone will at least speak to me and explain why appropriate measures were not taken and why I was not permitted to file a fraud claim.

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 2022-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have wrote letter to Transunion since XX/XX/XXXX regarding Accounts that have been Paid and should be Excluded from my Credit Report since it is my right under the FCRA. Accounts that were Paid and have a {$0.00} Balance are XXXX XXXXXXXX opened on XX/XX/XXXX and Personify opened on XX/XX/XXXX are instructed to be Excluded & Block from my Credit Report. There is no notation that I am requesting theses instruction disputes on the " Your statement '' which is also a Violation under FCRA. It has been more than ( 60 ) days which is unacceptable ; This is defaming my character as represented on my Credit Report and causing sever mental stress & mental anguish.

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 2022-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
In 2020 I was scammed by a car dealer in XXXX, GA. I purchased a used XXXX  for {$3000.00}. The car broke down an hour later and was returned to the dealer for repairs. After a few days, they stopped taking my calls. I filed a police report and provided the VIN number. The police informed me that the car had been resold. I immediately reached out to Bank of America to figure out how I could recover my funds. The funds were sent via XXXX. I had the person 's name, phone number, and their banking institution. I also provided Bank of America will my police report number. I spent weeks going back and forth with Bank of America and they were extremely unhelpful and at times just down right rude. Every time they requested that I provide certain information, I would and they still would pretend as if it's nothing they can do. They are partnered with XXXX and offering it as a service but fraud is not taken into account. As of today, Bank of America, who I have banked with for over 20 years allowed a shady car dealer to defraud me of {$3000.00}.

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 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a statement in XX/XX/2022. It said the account is suspended but to make a payment of {$180.00} to reinstated. I went ahead and made a full payment. Capital one did not reinstated my credit card. I called them and the lady XXXX stated that there was a letter sent in XXXX stating that if the payment is not paid by XX/XX/XXXX then the account will be closed. I explained to XXXX the letter was not received. I live in Florida by the end of XXXX beginning XXXX we had went through hurricane Ian. XXXX stated the letter was mailed on the XXXX and I explained with everything going on I never received it. The XXXX statement was sent XX/XX/XXXX. By sending the letter with a due date of the XXXX of XXXX and then sending a statement with a due date of XX/XX/XXXX and indicating it will be reinstated. XXXX should automatically oversee whatever the XXXX letter stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: HI

Complaint narrative:
I have been contacted and threatened by Jefferson Capital Systems twice about a debt from 2017 on a XXXX debit card account. I had paid the debt years ago, and confirmed that by calling XXXX directly to ensure that they had record of the debt being paid, which they did confirm. They said that there was not a balance. This is the second seperate time that XXXX has attempted to collect the debt after it was paid. The first time was a few years ago, and I provided the payment details that XXXX had confirmed. They continued to harass me but after I told them I would report it, they stopped. Now they are doing it again, by USPS and also now by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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:
Experian has refused to resolve their error, an account that has been settled and is now over XXXX XXXX XXXX and has been removes by other credit bureaus remains on my Experian report. Per the Fair Credit Reporting Act this is unjust. Experian has failed to remove it despite my attempt using their dispute process twice, most recently in XX/XX/2022. Dispute report number XXXX. Why are credit bureaus so protected when they dont follow law and procedure? It affects peoples livelihoods.

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 2022-11-18 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: FL

Complaint narrative:
XXXX has removed two falsely reported late payments that are still showing up on my XXXX and Transunion reports, despite many attempts to correct the issue. Please see attached documentation.

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