vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: NJ

Complaint narrative:
I the creditor believe that I have acted in good faith to discharged the debt with accordance TO THE LAWS that are now being presented and should not had have any damaging reports towards my credit to all three credit bureaus THESE ARE THE LAWS ACCORDANCE TO THIS MATTER : THE TRUST INDENTURE ACT OF 1939, THE SECURITIES EXCHANGE ACT OF 1934, THE EMERGENCY BANKING ACT OF 1933, UCC 3-603 3-604, 12 CFR PART CFR 1026.13 ( d ), 16 CFR 433.1 ( d ) ( f ), 31CFR 328.5,31CFR 328.6, 15 USC 1693,15 USC 41, UCC 1- 103, 1- 104, UCC 3-110 ( a ) ( b ) ( c ) ( 1 ) ( 2 ) ( i ) ( ii ) ( iii ) ( iv ) ( d ), UCC 3-105 ( a ) ( b ), PUBLIC LAW CHAPTER 48, 48 STAT. 112, PUBLIC LAW 73-10, TITLE 31, SECT 5118 AND HJR 192 JUNE 5, 1933 1933

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I applied for and received a Quicksilver card with Capital One. I already have a XXXX with them, as well as a checking account. Both are in good standing. 

When I tried to activate the card, the fraud department began demanding copies of my passport and ID. I am a US citizen and I thought this sounded scammy, so I refused. 
I also immediately closed the account without ever using the card. 

The account was restricted, and they refused to remove the restriction, even though I closed the account. The result is that I can not open another card, I can not access any online help, because this closed account is restricted, and my credit has been affected. 
I have repeatedly asked for a physical address or email to send a complaint, and they refused to do so. 

They also refuse to remove the unused account from my credit report, which has affected my ability to get a home loan. 

I can not even access the complete card number because of the restriction. 

I want help to remove the restriction and to restore my credit. 

I believe that my financial accounts are being affected like this as a form of harassment after I made complaints against federal contractors who work for the Department of Homeland Security. 

Since making those complaints, I have been subject to numerous problems with credit, insurance, and banking -including being reported to security companies for " suspicious behavior, '' even though I haven't committed any crimes or been arrested for anything EVER. 


I have been targeted and harassed for years for doing the right thing, and as a reward, XXXX has destroyed my life. 

I request that CFPB help me with Capital One, and additionally refer my complaint to any other agency that can help me with a complaint against XXXX itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: DHI Mortgage Company
State: CA

Complaint narrative:
Th DHI Mortgage company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is working diligently to deny me a {$200000.00} home loan which doesnt make sense. They have been requesting me to provide them with original loan notes of a property that I am NOT a mortgage holder and my credit report reflects this information. The company seems to be working with the builder XXXX XXXX XXXX  ) who all seem to be part of the same scam ( they are the builders/ they have the escrow company/ they have the insurance company/ they are the mortgage brokers/ they are title company/they are smart home installation, etc. ) making money off the consumer and then try to not approve the mortgage so they consumer loses all their payments and purchases. I am a highly qualified individual with an impeccable financial records. They are discriminating against me as a woman, and as a honest individual. They have asked for so many documents and as i produce they want more. There is a sense of mistrust because they are scammers and feel everyone is like them. This company has gotten big and rich by scammers hard working class individuals like myself and feel if I am a woman then I am stupid. 

Please look into these peoples scam and shut them down. Thank you. 

See the attached conditional approval : XXXX note to be provided. I am NOT a mortgage holder on this property. I have provided them with loan statement showing that my name is not on it. I have signed an affidavit and yet they still are asking for the same thing. I dont have access to such document. The lender for this property will NOT even talk to me. Please help these people understand!! They are scammers get them out of the business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NY

Complaint narrative:
The company XXXXXXXX XXXX XXXXXXXX agreed to stop reporting an account on my report and TransUnion hasnt removed the item. They proceeded to list it as closed. I am now filling out the lawsuit forms and will proceed to filing. XXXX deleted the account but TransUnion is trying their best not to.

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 2023-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To whom it may concern, My name is XXXX XXXX I live in XXXX XXXX, on the day of XX/XX/XXXX I rented a car because I miss my flight to XXXX, I use XXXX party app like XXXX to book a car it was {$18.00} per day and I bought a insurance thru price line time off rental no one said anything to me that car rental is only same state which is Florida and after they have seen my License is From XXXX XXXX when I got to XXXX merchant name XXXX XXXX XXXX They ask me to bring the car back to Florida I can not do that because I had to work, to make it easier I assist that I will drop this car at the airport and they can find a way to pick it up they refuse to pick the car up now its a day XXXX I left the car at my work I told them where is the car and Car Have a XXXX DEVICE so they know where is the car located it took them 1 month to pick the car up which is not my fault I am diabetic I have take insulin my work and my illness I can not able XXXX XXXX XXXX + hour to XXXX XXXXXXXX XXXX. On the day of XX/XX/2023 I got charged into my credit card for {$6100.00} I call capital one on that same day when I saw the change for XXXX I panic where this coming from my Credit limit is only {$500.00} And capital one let this happen and now they want me to pay this amount I have a job that I am making {$12.00} I can barely have food to eat after paying the rent I tried everything to ask capital one to dispute and they are not helping me at all I work so hard to built my credit I need help please help me this is why I am reaching out to consumers department because I need your help please..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Was unaware of the debt until they started garnishing my wages, never received a notice that I could dispute or that I even owed the debt. The debt is also over ten years old

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
My federal student loans resumed in XXXX with my lender AidVantage. On XXXX  I made a payment in the amount of {$380.00} for the month of XXXX with my linked XXXX XXXX XXXX checking account. I got a confirmation email with # XXXX. I then get an email on XX/XX/ saying the terms of my loan have changed and that i now still owe an extra {$4.00} for the month of XXXX. I pay this with the same linked XXXX XXXX XXXX checking account with confirmation XXXX XXXX I then see on my account that my XXXX balance will be {$380.00}. I want to know why my payment has changed already given that this is a fixed standard repayment plan, this feels like fraudulent activity to me and a quick search on the internet shows that others have been having the same issues. To make matters worse I then go to my payment history on AidVantage which is when i see that there is a payment reversal of my original {$380.00} as well as the additional payment of {$4.00}. I checked my bank account and saw that funds were never withdrawn. I then call my bank and they said that there was never an attempt from them to draw funds from my account. I want to know why AidVantage is not allowing me to make payments and why my monthly payment amount is changing. I do not want this to go against my credit. I am just an honest hard working guy trying to pay back my loans. I have been searching for this issue on the internet to find that I am not the only one AidVantage is doing this to and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-26 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: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX, I received a call from Wells Fargo XXXX department. Wells Fargo agent asked me to verify my address and then inform me no they were quiring two transactions in different amounts that were made in XXXXXXXX XXXX 

I advise the agent That I did not make those purchases in XXXX as I live in XXXXXXXX XXXX and as a XXXX veteran, I dont travel very much outside of XXXX XXXX The advised me that they would reverse the charges, and issue me a new debit card within XXXX business days. 

On XXXX XXXX I logged into my account and transferred the bulk of what was in checking to savings thinking that would protect my account from fraudulent withdrawals until I received my new debt card. 

I on or about XX/XX/2023 and I received notification of an overdraft. I didnt log into my account and saw that both the checking and my savings had been cleared out and it showed one transaction in the amount of {$1800.00} and XXXX transactions each in the amount of {$200.00} had been withdrawn from an ATM in XXXX XXXX XXXX XXXX 

I called Wells Fargo fraud department and reported fraudulent transactions. The Wells Fargo agent it looking at his computer records of my account re-confirmed that the {$1800.00} deduction was from XXXX ATM in XXXX and the other seven from a different ATM in XXXX. He also indicated that if his record shows that I called, Wells Fargo and reported a lost debit card and that a new debit card was issued. He also stated that I requested that the new card be sent to an address located in XXXX XXXX XXXX He also mentioned that in their investigation they would be able to get video recordings from each of the XXXX ATMs where the withdrawals were made, he also stated they had the ability to match voice inflection, to see if my voice matched the call made to report lost card & request new card be sent to XXXX address vs. my home address here in XXXX! He stated it would take them XXXX business days to investigate, they would cancel the new issued credit card and send me a new debit card to use going forward. 
On or about XXXX XXXX, I received another call from Wells Fargo but this time it was from their Claims Assistance Center to collect to collect {$470.00} in overdraft fees. 
The young lady had no knowledge in her computer system of the scam/fraud that had occurred on my account, or discussions I had with the fraud department on XXXX XXXX. She said she would file a claim on my behalf to deny these overdraft charges, and again I would hear Results of that claim in XXXX business days. 
* these are some claim numbers : XXXX & XXXX My debit card which was never lost is # XXXX and at no time to date have I received any replacement card! 
Todays mail I received a denial of claim letter!!

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 2023-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX  XXXX involved me making deposits for a total amount of XXXX XXXX from my CashApp account to fraudulent investment firm ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am still in school, and I have submitted multiple deferment requests to my new loan servicer, Nelnet. I've also emailed Nelnet about my deferment request on more than one occasion, and have also faxed them the same information. However, Nelnet has not responded in any way, and now Nelnet is likely going to show that I am delinquent on my student loans, which will negatively impact my credit. When I called Nelnet today to inquire as to the status of this request, the automated system said there were no pending deferment requests on my account, and even after waiting over an hour and twenty minutes to speak to someone, I was never able to talk to a human at Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-10-26 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: Self Financial Inc.
State: OH

Complaint narrative:
I am unsatisfied and have new documentation to provide and prove that this company has been reporting information falsely and refuses to correct a late payment on my account from XX/XX/2023 I received an email on XX/XX/2023 stating that I will receive a late fee due to my account being 15 days late and in this email it stated that its not too late and will not affect my credit if I login in and make a payment by XX/XX/2023 I made a payment on XX/XX/2023 which the company is verifying that I did.. I told them I experienced some issues with adding a new payment method which caused me to be more than 15 days late for XX/XX/XXXX payment.. however on the same day XX/XX/2023 they reported to the credit bureau that my account was 30 days past due! If my payment for XXXX was due on XX/XX/XXXX and I paid on XX/XX/XXXX how and why are they reporting inaccurate information to my credit report I now have additional information to provide proof of this complaint and I am begging for someone to look into this matter.. A company is providing consumers with false information and reporting another thing. Yes I did make my payment more than 15 days late due to a new payment method and having identity theft but however I got an email after this stating if I made the payment by XXXX this will not effect my credit I am attaching this email.. this is badly effecting my credit in a negative way.. I spoke to a supervisor and she did say they sent that email and that email was correct but the email is invalid because of a previous month being late.. they have not marked on ny credit any previous month being 30 days late.. the supervisor stated because XXXX payment was late that email was not valid but was sent to me.. this is contradictory they are giving consumers false hope by sending out these emails stating one thing and doing another.. this is suppose to help consumers build credit yet they are destroying our credit.. Ive asked for them to remove this late payment on good faith cause and they still have denied my request even tho I have an open account with them and making payments until XXXX they do not care about the negative information they are giving consumers and how this could affect a consumers everyday life.. I would like you to review this new information Ive been sent and question the company why they would send to a consumer that they have until XX/XX/2023 to make a payment before reporting XXXX payment as late but the same day they sent the email they reported the account as late.. I am trying to buy a home and they refuse to work with me or correct this late payment. I have uploaded to emails one with the date showing when it was sent and the other is the body of the email proving they told me they would not report the account as late until after XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
JPMorgan Chase dba Chase Bank. ... A debit card was used to authorize or hold {$150.00} on XX/XX/XXXX. ( Hotel incidental hold ) .The hold was released by the merchant on XX/XX/XXXX. 
Consumer expected funds back in the account. 
Instead ; Chase recalculated the date to appear the hold was placed on XX/XX/XXXX instead of XX/XX/XXXX. 
Consumer contacts Chase reference the transaction ; where was the merchant authorization on XX/XX/XXXX or XX/XX/XXXX? 
Chase XXXX customer service representative stated that Chase changes the date of authorization each day without explanation as to why. Therefore, it makes it impossible for consumer to regain the funds back to the account within 3-5 business days of release from merchant. It makes the funds disappear from consumer account based on debit card usage vs. credit card. 
Debit card authorization uncollected by merchant, should be returned to consumer account upon release by the merchant. Chase provided no explanation or a resolution of this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I filed Dispute XXXX on XX/XX/2023 after regaining access to my account with the assistance of Chime Support after being locked out and having all of my account information such as my email and password changed without my knowledge. On XX/XX/2023 I called to follow up since there was no resolution or feedback and instead of providing provisional credit they closed my account without my consent. After closing my account they approved {$140.00} but denied the remaining {$770.00} without explanation. I requested the documents used in the decision and have received nothing. How can you deny charges that are apart of the same dispute and that are disputed for the same reasons. If its partial fraud its all fraud. I want my money and my account back! Chime does not abide by Fed Regulation E.

Company response to consumer: Closed with explanation