vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/23, I spent {$1500.00} on flight and hotel stay through a Chase travel promotional offer. The offer said Id receive XXXX additional bonus points, but the points were never deposited into my rewards balance. I called about five times and they kept saying it can take up to XXXX weeks to process. XXXX weeks has since passed and the points are still not showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: IL

Complaint narrative:
West lake auto finance and ALL IN AUTO DENIED ME THE PRIVILEGE OF UTILIZING MY UNLIMITED CREDIT.. I WAS DENIED A LOAN ON THE GROUNDS OF A CREDIT SCORE THAT DECREASED EVERY TIME MY NAME WAS SUBMITTED THROUGH THE SYSTEM FOR FINANCIAL ASSISTANCE AND BECAUSE MY PAY STUBS DIDN'T FIT THERE EXPECTED INCOME.. I UNDERSTAND AS A CONSUMER THAT CREDITORS DUTY TO THIS RELATIONSHIP IS TO ASSIST IN ME UTILIZING MY CREDIT WITHOUT ALTERING FACTORS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX I am part of the XXXXXXXX XXXX XXXXXXXX lawsuit. I applied for a borrowers defense application in XXXX regarding XXXX XXXX XXXX XXXX CA being a predatory school. I attended that school like thousands of others believing in the promise of a career. instead I now work as a XXXX. I took out loans over {$54000.00} to pay for tuition it was a two year technical school.when I XXXX i did not get any help with job placement. 

In regards to XXXX XXXX XXXX some people are eligible for a refund. I was told that my loans were commercial I would not qualify. XXXX XXXX was on exhibit XXXX  as being a predatory school. My lender was Nelnet I paid off my student loans in XXXX. I think that I should get my money back being that they were found guilty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: GA

Complaint narrative:
I sent this letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : I applied for a loan from XXXX XXXX which included a payoff of a car loan at XXXX XXXX XXXX XXXX. However, my XXXXXXXX XXXX second mortgage pay out included a payoff for that car loan at XXXX XXXX XXXX XXXX, which occurred on XXXX XXXXXXXX XXXX 
Given that the loan I secured with XXXX XXXX in XXXX of XXXX was predicated on XXXX paying off my car loan at XXXX XXXX XXXX XXXX and that I actually paid off the loan with funds from my mortgage payment, please provide a listing of all amounts borrowed and their dates, along with the current final balance of my loan. 

Your assistance with this matter is greatly appreciated. 

Sincerely, XXXX I have never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2023 I order pop on veneers order XXXX paid {$590.00} by PayPal and received the {$49.00} dollar kit but was never used. On XX/XX/2023 I asked pop on veneers for a refund and they refuse On XX/XX/2023 I open PayPal case XXXX to requested refund of {$540.00} because I deducted {$49.00} for the kit and PayPal declined to dispute refund. I email pop on veneers and they don't want to refund my money I never used their service

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and found the following inaccurate item reporting error. Transunion has failed to delete the negatively reported debt from my credit profile. XXXX XXXX XXXX. Account # XXXX, for {$7500.00}, is closed and was settled, and taxes were paid via the attached 1099-C for 2020. 

I have sent Transunion many letters requesting that they investigate this account, which I believe is reported incorrectly. This is a violation of the Fair Credit Reporting Act. 

Under the provisions of the Fair Credit Reporting Act, I would like to ask that this inaccurate account be removed from my credit report as soon as possible. 

Sincerely, 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
they are reporting information to 3rd party nonaffiliate 's

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: PA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-21 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: PA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KP ASSET CONSULTING LLC
State: CA

Complaint narrative:
I got a call from someone claiming to be an attorney with KP asset consulting saying XXXX XXXX XXXX was suing me and they would be the ones to collect the money. I called the loaning company and they said they do not work with them and I was most likely being scammed and that I was fine to continue on my payment plan. The people I was on the phone with were very aggressive and threatened to come to my apartment and tell my place of employment. They were threatening to sue for fraud and breach of contract.They had my social security as well.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I was sent a request to apply for a credit card with Capital One to see if I was preapproved. I went through the application process. They showed me that I was preapproved for two secure credit card options. One of the options was the Capital One XXXX card secured along with the regular Capital One credit card secured. Then I was denied stating that they couldnt confirm my information with XXXX. That isnt true. Capital one stated that by making this inquiry it would not have an effect on my credit score. That isnt true. My XXXX score drop by XXXX points by them stating it would not have an impact on my score .My score with XXXX XXXX by XXXX points. This needs to be corrected. My score shouldnt be allowed to drop by FCRA by using false advertisment by Capital One. This inquiry did make a hugh impact on my credit report. I would like them to be held accountable for false advertising. This isnt right for the consumer. I want my score back up with XXXX by the XXXX points dropped along with the XXXX points with XXXX. I have prestine credit. I only have XXXX credit card. Please get this error and false advertisement rectified. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-21 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
I have an ace elite account thur net spend n have an account for a few years now. I received a txt message to call them n I did n when I called they said my account was closed due to me doin something with my account but couldnt inform me of what I did. They said that there was no one I could speak to bout it but all they could tell me is that I was unable to open a new account n that my account was closed infinitely. I asked what I did wrong n they said they couldnt tell me thats all it said. I asked could I file a complaint n they said that they didnt have anyone for me to complain to. I said then I guess Ill have to file one with the financial protection of consumers affairs. So now thats what Im doin.

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 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: SC

Complaint narrative:
Beginning XX/XX/XXXX we began a covid forebearance plan with the mortgage company, Flagstar Bank. 

In XX/XX/XXXX we contacted them to state we were ready to come off of forebearance and begin making our regular monthly payments. We were told the process needed to go through underwriting and to call back in XXXX to check the status. We called XXXX to check the status and were told it was still in underwriting and to call back in XXXX. We called XX/XX/XXXX and were told it was still in underwriting and to call back in XXXX. 

Meanwhile, we continue to receive statements via mail stating our Loss Mitigation Program Status is in active deferral. However we had not received additional paperwork or been instructed that we needed to make a payment to ensure our account was in good standing. 

On XX/XX/XXXX we received a letter in the mail from the mortgage attorney 's office XXXX and XXXX that they had started the foreclosure process. Immediately upon receiving this, my spouse contacted the mortgage company Flagstar Bank to inquire about this issue. Flagstar stated they had sent a form on XXXX to approve the deferral and required a response by XXXX  We did not receive this letter. 

On XX/XX/XXXX after this phone call, we completed a loss mitigation online form. 

On XXXX  I called Flagstar and was told the new loss mitigation initial review was complete and would be further reviewed by underwriting and that while in review foreclosure would be paused. 

On this phone call XXXX I requested a copy of every communication letter that had previously been sent by mail to be resent. I was told that it would take about 7 days for this to be received. Flagstar also claimed during this XX/XX/XXXX phone call that when my spouse called on XXXX XXXX XXXX Flagstar instructed us that deferral was active and to make a payment by phone. This is inaccurate and I requested a review of the call recordings to be completed. I was told that a supervisor would review them and someone would get back to me.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
So during the COVID 19 I was experienced hardship like everybody else and instead of staying and incurring rent that I was not going to be able to pay we agreed for an early termination of the lease and even thow I left the apt company still received government funds in my behalf and are still trying it say I owe them money I have asked so some type bill and I get nothing expireran is completely unwilling to help me in this situation

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 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XXXX I tried to contact XXXX about XXXX dollars I spent with one of there partners and received an empty box. I then received a call from XXXX claiming there was an issue with my account. Which he then provided me with a text message Dear XXXX Customer, Your Case has been registered on XXXX XXXX XXXX. Your Case ID XXXX. Employee XXXX XXXX with Employee ID : - XXXX is working on your case. 
For any other queries you can reach out to us at XXXX 
Thank You XXXX XXXX which I was convinced I was speaking with their fraudulent department and there was no worries he worked for a XXXX XXXX XXXX company and there was nothing to worry about. He then convinced me into going to the nearest bitcoin machine so he could repay me the XXXX dollars I spent on their site. Come to find out I was being scammed the whole time and sent him XXXX dollars more and then he had me make a wire transfer which was supposed to be a dummy transaction in the amount of XXXX which the first time was! So I had no worries. Then he had me make two other transfers in the amount of XXXX, and XXXX. And thenXXXX  XXXX cash advances were token from my account. He then claimed there was an issue with my XXXX XXXX  account and took XXXX to a man name XXXX XXXX XXXX to XXXX XXXX. Which I was able to resolve with XXXX XXXX. I also contacted my bank account Pnc about the fraudulent transaction that were made on my account that same day to have the transaction cancelled which the said they werent able to do so and it had to post since it was still pending and must be resolved in the bank is what he told me. Im very upset I let this all happen but am very confused why the bank only credited my account in the amount of XXXX and not the full amount for XXXX. I only wanted the transaction that were international wired from my account in the amount of XXXX, XXXX

Company response to consumer: Closed with explanation