vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
Today, onXX/XX/XXXX, I checked XXXX XXXX and found that a new Discover account had been opened in my name. I did not open this account. A few weeks ago, we received a credit card in the mail that we believe was opened by my father, who has the same first and last name as I do. I suspect he has used my information to open a credit card as my credit is fair. I never opened this account and would like for someone to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I made my monthly student loan payment to navient in the amount of {$120.00}. Navient fraudulently added that my payment was not made. Payment was made onXX/XX/2021 and mailed that day. Money order was provided by the us postal service serial number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Hi, For many years, I've had both a checking account at XXXX XXXX  and a savings account WellsFargo bank. 

On XX/XX/XXXX I opened a brand new checking Acct ( XXXX ) at the XXXX website, and on XX/XX/XXXX I moved {$5000.00} from my XXXX checking acct into this new WellsFargo acct [ this transfer was successful ]. 

On XX/XX/XXXX XXXX I received an email from WellsFargo that said : " Don't wait, finish your application for Wells Fargo Everyday Checking... Take a moment now to complete your application ''. 
So I followed the hyperlink in the email, I answered the series of questions their webpage asked me, [ in response to 1 of the questions, I said to transfer {$100.00} from the XXXX  acct as the initial deposit ] and then I was given a 2nd checking account number ( XXXX ) which I never wanted. 

On the morning of XX/XX/XXXX I called WellsFargo telephone support and told them that I only wanted 1 WellsFargo checking acct ( not 2 ). 
They said that we could close the 2nd acct immediately and the {$100.00} transfer [ for initial deposit ] would not be processed. 
On the morning of XX/XX/XXXX I logged into the XXXX website, and I could see that {$100.00} was taken out of that XXXX  checking acct as " WELLS FARGO ONL ACHFUNDING '' but when I logged into WellsFargo.com the {$100.00} never appears in any of my WellsFargo accounts. 

I have called WellsFargo customer service multiple times about this lost {$100.00} transfer.

They deny that WellsFargo ever received the {$100.00} transfer, and they tell me to call XXXX XXXX  to resolve the problem. 
They also said that any transfer going into a closed account would have been automatically sent back to wherever it came from [ but that never happened ]. 

I have called XXXX bank telephone support multiple times about this lost {$100.00} transfer. They insist that the {$100.00} transfer to WellsFargo was successful.

They say that since WellsFargo bank initiated the transfer, I would need to call WellsFargo to try to get this problem corrected.

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 2021-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Regarding ; No tile/lien release has been provided for XXXX purchased after lease expired Vehicle : 2019 XXXX XXXX VIN # XXXX. 

Account : XXXX It has been over a month since HCA cashed our buy back payoff check. I have called Hyundai Finance 3 times over the last month and each time they said the title or release is in the mail. 

Clearly, it has not been sent and I am amazed they have the audacity to say it is in the mail. 

Then a week ago I asked the dealer I leased from to intercede which they did yet I get no response of any kind from Hyundai Finance. The dealer said they have seen many such issues with titles not being provided by from HFA.

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 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello I have a bank account with Bank of America. I opened a checking and saving account with them about 2 years ago the first year was great no complaints but this past year I dont know what is going on but Im having problems with my account getting hacked into. Im having money just disappear, transactions being made that I did not authorize, checks be cashed on the online banking, and transfers being made to other accounts that I dont know who they are. I tried to dispute all the transactions that I could see that I did not recognize but after months they tell me they are not going to pay the claims. I had someone go on vacation to VA XXXX in the beginning of XXXX using my bank account and I have never been there before and I dispute all of those transactions and they did not pay that claim. The claim was for almost there XXXX dollars. Im still waiting to hear from a XXXX dollar dispute I did on a transfer made through zelle that I did not do. I have filed a identity theft report because there is a name and address on my credit report that I dont recognize and that may be the reason Im having the issues with my bank account. I am beyond stressed about this whole thing and I have lost so much money dealing with this as well. I dont know what else to do, if you could give me any direction to go that would be extremely helpful. Thank you for your time.

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 2021-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
In XX/XX/2021, I filed for chapter XXXX bankruptcy. After filing, I attempted to make my regularly scheduled payment. My private student loan servicing company Firstmark, showed on their website, that no payment was due. I attempted to make a payment anyways and was prevented from doing so by the website, stating " payment could not be made at this time. '' As a result, I was under the impression that my loans were in forbearance during the bankruptcy because of the statement stating no payment due. 

On XX/XX/2021, I received a letter from Firstmark stating my current amount due and showing a past due of {$250.00}. I called the company and told them what was stated above. The company stated that they were not allowed to have any debt collection with me during the bankruptcy and that I should have known payments were still due through the bankruptcy per my loan term agreement signed 15 years ago. I asked how you could state that my loans required no payment but still require a payment without notifying me of it. They stated that they weren't allowed to communicate by law as a result of the bankruptcy. I told them that I believed it was unfair and fraudulent to state on my account through their website that no payments were due and prevent me from being able to make a payment in my normal manner but still in fact require payment with no communication on how to make payments or the requirements that they be made. 

I have been charged late fees as a result of the supposed missed payments and my credit score has gone down over 200 points as a result of them reporting every loan as in default for the period during the bankruptcy to my discharge date in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: EQUIFAX, INC.

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed this account ( XXXX XXXX ) with the creditor, as well as with the bureaus that are continuing to list this account. This account was closed years ago and Equifax is still continuing to show the account as open on my credit report. Numerous disputes have been filed and the dispute letters return back to me stating the creditor XXXX XXXX verified that this information is accurate. This information in NOT accurate. The account is CLOSED!!! Why are they continuing to list this account on my credit report as an open account. I demand for this account to removed from my credit report immediately or I will sue both Equifax and XXXX XXXX for failure to comply with the FCRA rules. Im tired of this. All this is doing is dragging my credit score down. The proof is clearly herethe account is showing as an open account. 

XXXX is also reporting just recently this month XXXX that the account has a negative status. No more reporting on this account should be taking place. Both you credit bureaus are continuing to report inaccurate information. Please stop immediately!!!! I will sue you for this defaming information. Remove it immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I applied for the Apple Credit Card in the beginning of XXXX. I was denied credit and not given a proper expiration that i agree with as to why I was denied credit. I applied for Apple Credit Card again on XX/XX/2021. I was denied credit again without proper reasoning. Goldman Sachs Bank Actions is a Violation of the Equal Credit Opportunity Act ( 12 CFR 1002 ) See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates, LLC ( INC ) /XXXX XXXX XXXX , XXXX is attempting to collect a debt not owed for many reasons. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private XXXX. 

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged balance is not reported correctly on my Consumer Report. See attachments.

2. The alleged balance must be reported to the United States for collection of the obligation [ per 18 USC 8 ], not to me.

3. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress.

4. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with Portfolio Recovery Associates, LLC ( INC ) for any reasons. This is an official notice to cease and desist collection, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
I have never applied for a loan with this company. On XX/XX/2021 I received an email with a denial letter for this attempted loan. I already have fraud alerts on my credit report so I am assuming that is why the attempted loan was denied. I expect the inquiry taken off of my bureau and an alert sent to this company that I did not apply for a loan with them and not to accept any applications from me because they are not legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I have disputed this account ( Mid-Atlantic Finance ) with the creditor, as well as with the bureaus that are continuing to list this account. This account was closed years ago and XXXX is still continuing to show the account as open on my credit report. Numerous disputes have been filed and the dispute letters return back to me stating the creditor Mid-Atlantic Finance verified that this information is accurate. This information in NOT accurate. The account is CLOSED!!! Why are they continuing to list this account on my credit report as an open account. I demand for this account to removed from my credit report immediately or I will sue both XXXX and Mid-Atlantic Finance for failure to comply with the FCRA rules. Im tired of this. All this is doing is dragging my credit score down. The proof is clearly herethe account is showing as an open account. 

XXXX is also reporting just recently this month XXXX that the account has a negative status. No more reporting on this account should be taking place. Both you credit bureaus are continuing to report inaccurate information. Please stop immediately!!!! I will sue you for this defaming information. Remove it immediately!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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:
I have disputed this account ( XXXX XXXX ) with the creditor, as well as with the bureaus that are continuing to list this account. This account was closed years ago and XXXX is still continuing to show the account as open on my credit report. Numerous disputes have been filed and the dispute letters return back to me stating the creditor XXXX XXXX verified that this information is accurate. This information in NOT accurate. The account is CLOSED!!! Why are they continuing to list this account on my credit report as an open account. I demand for this account to removed from my credit report immediately or I will sue both XXXX and XXXX XXXX for failure to comply with the FCRA rules. Im tired of this. All this is doing is dragging my credit score down. The proof is clearly herethe account is showing as an open account. 

Experian is also reporting just recently this month XXXX that the account has a negative status. No more reporting on this account should be taking place. Both you credit bureaus are continuing to report inaccurate information. Please stop immediately!!!! I will sue you for this defaming information. Remove it immediately!!!

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 2021-11-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have attempted to submit multiple disputes to equifax they either dont respond or respond over 3 months later. They are inaccurately reporting a collection for XXXX XXXX on my credit that I had removed from my other reports. Equifax is consistently difficult to work with they dont follow the laws for their dispute process. Its so inconvenient to get inaccurate information disputed and removed with them. The company reporting couldnt provide me with documentation to show its my debt and equifax didnt respond to my dispute until months later. They need to remove it from my credit and make their process to submit disputes easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Lender is reporting the account is in a forbearance in the comments section and status of all three credit reporting agencies.

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 2021-11-07 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: TN

Complaint narrative:
This is my third complaint against Experian, In regards to my first complaint ( case ID XXXX ), I mailed an affidavit dated XX/XX/XXXX ( see attachments ) disputing errors found on my consumer report. Experian failed to delete the incorrect names and addresses from my consumer report. Additionally, there is a fraudulent account and inquiry on my consumer report that I did not give consent to be furnished. Pursuant to 15 U.S.C 6802 ( B ) ( 1 ) ( A ) and 15 U.S.C 6801b ( a ) ( 2 ). I have filed an FTC Report for the following account and inquiry below. 

FRAUDULENT ACCOUNT : XXXX XXXX XXXX FRAUDANT INQUIRY : XXXX/XXXX  XX/XX/XXXX Experian has blatantly violated my right as a consumer and they are civilly liable pursuant to 15 U.S.C 1681n. I am demanding the incorrect spelling of my name be deleted and updated to match my Photo Id ( see attachments ), all the incorrect addresses removed, and for the fraudulent account and inquiry to be removed from my consumer report and an updated copy of my report mailed to me. 

Attachments : FTC Report Photo ID Certified mail receipt Utility Bill

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 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Around XX/XX/XXXX I got my Capital One Credit Card. Ever since then I've only been able to use it a couple of times as the process of using it has been absolutely dreadful. The card only has XXXX credit but even though its such a low amount I have still not been able to successfully pay my bill even though money HAS been taken from my bank account. From XX/XX/XXXX I've tried to put in a payment of {$250.00} Dollars but since then it has taken the amount, returned it and taken it again with no sign of the credit showing up in my account. I have called their customer service number 6 times already and each time they have assured me that my problem will be fixed, have been put on hold for an hour, have been hung up on, and lied to many times. in summary this company has taken my money and has not put it back in my credit, I currently have a balance of {$240.00} with the available credit of {$5.00}. even though the customer service reps insured me that a credit of {$250.00} will show on my available credit it has not and never will. I it feels though as I have been scammed and this is outrageous because i don't have money to not care about as I am not a wealthy person and need all of my money and hate it when companies steal from their customers.

Company response to consumer: Closed with explanation