vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To CFPB. 

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

List of accounts to be deleted : XXXX XXXX XXXXXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent letter to all three Bureau more than a month ago and i have yet to receive a response.

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 2022-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XXXX at XXXXXXXX XXXX I received a phone call from Wells Fargo the number was showing as XXXX and the caller ID read Wells Fargo, I already had a missed call from them and XXXX additional that did not connect starting at XXXXXXXX XXXX. I was in a bad service area at the time. I was under the impression at the time it was an urgent matter. Upon answering the man said he was with the Wells Fargo Fraud Dept. He then started asking me about XXXX transactions and if they were authorized in the amount of {$3500.00}. I said no so he said my account had been compromised and we needed to secure my account against any further transactions. I was driving home at the time from XXXX XXXX to XXXXXXXX XXXX I had taken my husband to pick up his semi-truck. There was a bad snowstorm going on, so I pulled over on the side of the road and sat on the phone for XXXX minutes with a Wells Fargo employee, so I thought while we verified some info and secured my account. We even joined XXXX XXXX my husband and account holder onto the call. After everything was said and done, I had to get back to XXXX to get my children from school. I was worried and told the XXXX caller I really needed to get on the road. He said no problem and said I would receive a link with new login credentials and a temporary password. After driving home and picking my son up at XXXX pm I had not yet received anything, so I attempted to log on and it was when I discovered my account had zero dollars. I immediately drove to Wells Fargo and reported the incident with the Branch manager XXXX XXXX. Come to find out a XXXX for {$1000.00} and a wire transfer for {$8800.00} was transferred to a XXXX account. While on the phone with a WF rep they informed us they had a transcript of a person calling in saying they were my husband verifying information stating they needed the transfer for a down payment to a home. We have not attempted to buy a home anytime recently. We contacted XXXX and they looked up the information and found the money had been wired to an account based out of Florida that had multiple transactions going through fraudulently from XXXX, XXXX, XXXX XXXX, and other wire transfers. The money was withdrawn immediately. This was noted by XXXX bank manager in XXXX Idaho off of XXXX and XXXX XXXX. We then drove to the police station and reported the fraud. Since that time, I have received no calls for info only letters claiming I made the transaction and that my claim was denied. It was " escalated '' to the next level up and denied again. It was at this time I decided to reach out for assistance in resolving this matter.

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 2022-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I received the following email in my spam folder on XX/XX/XXXX : From : " American Epress '' XXXX [ Add to Address Book ] To : " XXXX XXXX '' XXXX Subject : A recent charge attempt requires your attention Date : XX/XX/XXXX XXXX PM Your card has been blocked We've blocked your card to protect your security, we are writing to confirm some recent activity on your account. 



Here 's what you can do next : Go to amerlcanexpres.comXXXX have your card handy and submit the completed form to us to activate your card instantly.. 



American Express Customer Care Privacy Statement | Update Your Email Your account information is included above to help you recognize this as a customer care e-mail from American Express. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 



XXXX American Express. All rights reserved. 



XXXX I have not held an American Express card for XXXX years and it was a business card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: GA

Complaint narrative:
To CFPB. 

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

List of accounts to be deleted : DEPARTMENT OF EDUCATIONXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To CFPB. 

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

List of accounts to be deleted : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
I opened a venmo account under the id : XXXX back in XXXX ( XX/XX/XXXX ). After not using the account actively for 5 years, in XXXX I got my friend return my money I loaned her through venmo service. 2 days after that the customer service sent a note to me saying I have violated the service agreements and permanently closed my account without giving me any more reasons or details. This is bizarre and very unethical. I have asked them to reconsider my account situation or provide more details multiple times. I have not gotten any response from them at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hi, I understand Navient was recently sued. All the loans I had were part of the stated lawsuit. Coincidentally, I paid off my loans the same time the court filings came to a decision. I would like to know the below. 

1 ) Will I get reimbursed all the outstanding interest they charged me for, though I had made all the required payments on-time. This misallocation had repeatedly caused the outstanding interest for all my loans of which I've inquired about multiple times when I first started to pay for my loans. 

2 ) Originally when my loans were transferred from XXXX to Navient, they were all lumped together. I was told by Navient, if I took charge of my loans and separately paid them, I could prioritize to pay off the higher interest loans first, which would help pay off the loans faster. However, because of the change, they told me I had to partially stop and re-setup payment which cancelled out my Interest Rate Reduction discount that was a benefit given for making continuous on-time payments for a few of my loans that was affected. The discount was never reissued back to my loans, when I haven't stopped paying my loans. Navient 's process forced me to stop paying my loans and lost the discount benefit when this could've been resolved by an internal calculation correct on their end. I would like to know if i will be refunded what the discount would have covered. I've continuously made non-stop payments, which was supposed to requalify me for the discount that i never saw and I have inquired about this before through CFPB, whom did not follow-up on my previous inquiry from the feedback section.

3 ) My loans had a benefit that noted the lender was supposed to take care the last 6 payments of my loans, which I felt the terms and conditions had changed. This benefit never kicked in. Navient doesn't review their loans thoroughly. I ended up paying off the loans myself. 

Overall, I feel that Navient is not managing their loans well enough. More importantly, I wished the loans were never transferred to Navient because I feel that Navient tried to find ways to eliminate benefits that were originally part of the loan terms to begin with. Unlike XXXX and any other bank or loan lender, the company didn't send any annual statements at the end of the year explaining the payments that had occurred. Hence the lack of documentation gave Navient every opportunity there was for borrowers to not see the changes they were making. Please help investigate and follow-up with the above bullet points. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
So, please look at my credit report. I have never been late with any payments. I have never been in bankruptcy or anything else. I pay my revolving debt in full each month. I am ahead on my mortgages. I have 2 zero % credit cards that I am utilizing ( which I would consider a good cash management practice ). I maintain several bank accounts with averaging $ XXXX per month. These are liquid accounts at regional banks, does not include retirement assets or anything. So would you please tell me why my credit dropped upwards of XXXX points in one fell swoop? From XXXX to XXXX? 
Further there is no mechanism to question the scoring models, or agency or person or company. Thats a bit of problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On ( XX/XX/2021 ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the equifax data breach a while back so my information could be in the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I was promised and verbally agreed if I return the vehicle back that it would not be put in my credit report. It has effected me in obtaining loans for my sons schooling and has been on credit for a long time. It hasn't been taken care properly and it seems like it has to be that I'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company is unable to verify the debt I supposedly owe them. I have sent over two letters asking them to verify the debt and they were unable to do so. They were unresponsive to my original demands and did not send over documents proving that this debt is mine. A credit card statement is not verifiable because it can be compromised. I specifically asked for the original documents, my signature, and proof that this company is licensed to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
So, please look at my credit report. I have never been late with any payments. I have never been in bankruptcy or anything else. I pay my revolving debt in full each month. I am ahead on my mortgages. I have 2 zero % credit cards that I am utilizing ( which I would consider a good cash management practice ). I maintain several bank accounts with averaging $ XXXX per month. These are liquid accounts at regional banks, does not include retirement assets or anything. So would you please tell me why my credit dropped upwards of XXXX points in one fell swoop? From XXXX to XXXX? 
Further there is no mechanism to question the scoring models, or agency or person or company. Thats a bit of problem.

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 2022-01-23 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: FL

Complaint narrative:
So, please look at my credit report. I have never been late with any payments. I have never been in bankruptcy or anything else. I pay my revolving debt in full each month. I am ahead on my mortgages. I have 2 zero % credit cards that I am utilizing ( which I would consider a good cash management practice ). I maintain several bank accounts with averaging $ XXXX XXXX month. These are liquid accounts at regional banks, does not include retirement assets or anything. So would you please tell me why my credit dropped upwards of XXXX XXXX in one fell swoop? From XXXX to XXXX 
Further there is no mechanism to question the scoring models, or agency or person or company. Thats a bit of problem.

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 2022-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In the process of refinancing my XXXX XXXX XXXX I made the payment due XXXX XXXX on the due date the loan refinance by XXXX XXXX was paid loan in full XXXX XXXX according to the amount they were given and the XXXX statement which shows the payoff amount. I am due a refund of that XXXX payment for XXXX. I have made several calls to Hyundai Motor Finance Customer service regarding the refund overpayment made of {$390.00}, I have Never received a phone call text email or letter from hyundai Motor finance nor any communication regarding my request all calls and mail were initated by me with no response a copy of my certified mail receipt via postal mail are included in my documents, I got no response to that certified letter I sent to their corporate office. My bank statement shows the payment taken from my account. Hyundai Motor sent an email acknowleging the monthly payment made XXXX XXXX for {$390.00} as well as the full payoff of {$19000.00} XXXX XXXX Below is the Call log of phone calls I made to Hyundai Motor Finance each time I was told they would look into it I never got a call email letter or any response. 

XXXX XXXX called XX/XX/XXXX called XX/XX/XXXX, XXXXcalled also sent certified letter to corporate office requesting refund XX/XX/XXXX called XX/XX/XXXX called XX/XX/XXXX, XXXX with Supervisor XXXX told me escalating my case to payment processing center XXXX XXXX called XX/XX/XXXX, XXXX with XXXX XXXX said excalating XXXX XXXX for refund to payment processing center XX/XX/XXXX, XXXXSpoke with XXXX customer service I asked for supervisor or manager transferred me to XXXX she told me my case was closed no refund was due my payment of {$390.00} was part of the payoff amount for my loan she gave me the case # XXXX. I am a XXXX yr old senior on a fixed income I feel humiliated ignored and abused disrespected as a customer I never missed a payment never late with my account with Hyundai Motor Finance would never do business with them again or advise anyone I know to do so, I know I am just one person they are a large corporation but they should not be allowed to treat people the way I have been treated. I just want what is owed to me. They just wanted me to sit down shut up and go away!!!

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 2022-01-23 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: MD

Complaint narrative:
On ( XX/XX/2021 ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the XXXX data breach a while back so my information could be in the wrong persons hands.

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 2022-01-23 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: MD

Complaint narrative:
XXXX XXXX XXXX is in violation of Section 602 15 USC 1681 ( a ) accuracy and fairness on credit reporting. I demand you remove all the accounts attached in the documents below immediately. Pursuant to 15 USC 1681n section 616 of the Fair Credit Reporting Act any damages can demand remedy fro {$100.00} to {$1000.00} for each violation.

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