vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
I had used their lending service paid off my loan. There is a {$9.00} subscription fee for using the service. When I went to stop the subscription, I tried to log into the app but it kept getting stuck at " reviewing bank information '' as it was loading. I tried to login on the website and got the same message. I reached out to their customer service who said it may be an issue with their connection provider, XXXX. Now I have connected my bank many times with XXXX  to no issue, before and after this incident. I told them I was still being charged and wanted to make sure my account was in order so I could close it. They said to try again later. I tried a few days later but it was still happening. Another customer service agent removed my bank info and had me try again. The same issue occured. I asked for help and they kept blaming it on XXXX and said try again later. I tried again a few weeks later after not only trying to ask them for help but also after seeing I was still being charged the subscription fee. This was probably the XXXX  month in a row. I asked them for help and they finally just canceled my subscription. No offer to refund me or care. I asked why I should accept this and not report it. They just replied that my account was closed and good luck!

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 2022-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has done this to me once back in 2020 saying i never made a car payment. They took the money out of my bank account but never applied it to the loan : this made my credit score drop 40 something points back in XXXX of 2020. Wells Fargo did this again to my last car payment for this loan where they took the money out of my bank account and they never applied it to my final loan payment. I have not yet received my pink slip for the car and now my credit score has once again dropped 42 points. They never resolved the issue of my credit score they only apologized. Being a XXXX XXXX my credit score means a lot because I want to be able to buy a nice house or move into a better apartment and seeing how they need to have a credit score at a certain number Wells Fargo has tainted that for me. I do not qualify to apply for a new apartment since the credit scores ask for a score of 650 or higher. I would really hope you can resolved this as I have bank statements and receipts of payment for every single car payment I made to them. I was never once late for this car loan.

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 2022-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I came off my forbearance plan with Mr Cooper mortgage in which I made all of my payments on at the end. My husband got a new job due to Covid and his pay date is now once a month and paid on the XXXX of each month. The problem we were left with was the due date is the XXXX ( 6-7 days before my husbands check ) each month. I discussed this with forbearance department and we discussed options like modification and putting the amount at end of loan as I junior lien, or a payback plan for what was needed etc,, I was transferred to someone in forbearance department whose name was XXXX who told me about a new option Mr Cooper was offering customers that just started. She said I was able to make my monthly payment at any time throughout the month for the next 12 months and not receive any late fees. I said that was wonderful and would be a great solution for me and I already started paying more to put in suspense/unapplied funds to total the monthly amount due and could just continue doing that over the next year or until I reach a full extra payment since the due date can not be changed to jump ahead. I made my payment in XXXX, XXXX and XXXX only to find a late fee on my account in XXXX. When I called MR Cooper to question the late fees, I was told there is no such assistance available and I was told incorrect information. A escalation department pulled the call and verified what I am saying was accurate but is not holding to what I was told by MR Cooper on that call XXXX. This is not acceptable as I had monthly budgets surrounding over paying monthly t o reach one full payment in suspense /unapplied funds account to jump ahead a month to pay by the XXXX. This is not fair treatment to me as a customer especially on a FHA loan. I need better assistance and accountability from Mr Cooper to assist after being told false information and late fees charged by the mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter to LexisNexis regarding fraudulent, unverified information they have on my credit report. 

I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. LexisNexis is required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Much of the information they have listed on my LexisNexis report is no where to be found on any of my credit reports with XXXX, XXXX or XXXX. So where is LexisNexis getting the information from? Where are the applications, the wet signatures, proof of identity that they used to verify my information? 

They have multiple variations of my name, which all are incorrect, yet they " claim '' they've have verified it. Please ask LexisNexis to provide us proof of the information they used to verify this information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible 100 % accuracy in the credit reports you publish. Your agency is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they have proof. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to act as a part of your investigation to have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have a Kohl 's credit card that I owed {$470.00} and they keep calling early morning and late nights threatening me that they will collect. I have tried to resolve the issue but now they won't stop harassing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I paid Wells Fargo {$690.00} on XX/XX/2021, as part of a refinance application. An appraisal was done on my home. Since applying, it became clear that Well Fargo was not going to be able to complete the refinance, so I switched to another lender. The new lender needs the appraisal, proof of payment, and AIR certification ; Wells Fargo will not release the XXXX  two, making the appraisal unusable. I have a XXXXday rate lock with the new lender, so there is a time constraint here. The new lender insists Wells Fargo is legally obligated to release these items ; Wells Fargo disagrees. Obviously, I cant afford to sue Wells Fargo. Please help.

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 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Since XXXX CapitalOne has not properly reversed a check that was incorrectly deposited in a CapOne account. After a month of phone requests, the check shows as reversed but funds have not been sent back to the original institution. I have spoken to reps multiple times and tried escalating but to no avail. Since this money needs to be deposited into an IRA account, I am at risk of additional taxes and penalties. Details below. 

I received a pension fund payout check made out to XXXX XXXX ( my name ) and deposited it via the app into my Capital One checking account by mistake. I should have sent that to XXXX for deposit in my retirement account. Shortly after realizing my mistake, in late XXXX, I called CapOne and asked that the deposit be reversed, explaining that the check was not properly for deposit in my CapOne account but rather for my XXXX retirement account and in fact should not have been accepted by CapOne because the check was made out for XXXX XXXX XXXX ( For Benefit Of ) ( my name ).. 
Over the next month I made repeated attempts -- at least XXXX times -- to get the check reversed, by calling CapOne ; each person I spoke to understood the situation and assured me it would be rectified. Repeatedly it was not. I called and spoke with representatives and their supervisors at least XXXX times from XXXX through XXXX. This was a constant struggle and used a great deal of time -- first holding on a line to speak to an agent, then explaining the situation, being told the funds would be reversed within the next few days and then realizing the funds had not been reversed. The funds now show as reversed in my account XX/XX/XXXX as an " adjustment debit. " In order to get the check properly deposited at XXXX I began calling the Fidelity XXXX XXXX, who originated the check. They have repeatedly informed me that the check can not be reissued since their system shows the original check has cleared and no funds have been reversed back to Fidelity. Unfortunately, if the check is not deposited with Fidelity and then XXXX I will have to pay taxes and a 10 % penalty on the amount of the check. On XX/XX/XXXX, I began contacting a contact name I found of CapOne 's website -- asking that the matter be escalated and again explaining the situation. I am attaching a word document that contains copies of these Emails. Fidelity says they can not help me as the funds have not been reversed to them and the check shows cleared on their side and the funds have not been reversed back to them. 
But the check shows as reversed on my CapOne account. I have contacted the person at CapOne repeatedly for escalation and redress but have not heard anything from CapitalOne to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
My federal student loans were transferred from XXXX to Aidvantage in XX/XX/XXXX. Both XXXX and the U.S. Department of Education communicated clearly about the transfer. 

On XX/XX/XXXX I had an email from the U.S. Department of Education confirming that the transfer of my loans to Aidvantage were complete ; I was told that within 10 days of receiving said email, I would receive a welcome letter from Aidvantage. 

I never received any welcome email or any other communication from Aidvantage. 

On XX/XX/XXXX I emailed Aidvantage explaining that I was concerned that I have received no emails from Aidvantage ( even after checking spam frequently ) and I want to be sure I'm receiving communication from them. 

A representative from Aidvantage responded to my email on XX/XX/XXXX saying that I can log into Aidvantage to view correspondence at any time. This answer does not address the lack of welcome letter/initial communication from them. 

I am proactive in my student loans my concern with this loan servicer is with no communication being sent to those of us with loans, what important dates and notices will be missed by those who aren't as proactive? This does not seem like a good first step forward with Aidvantage, and in light of other predatory lending practices by student loan providers this lack of communication does not reflect well on Aidvantage. 

An internet search revealed that I am not the only one without any sort of welcome letter or any introductory correspondence from Aidvantage even as of XX/XX/XXXX. 
It is concerning to me that there has been no communication or onboarding aside from what I myself have initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

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 2022-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I cant pay lost job due to covid -19 they keep over drafted I cant to it please cancel this Dept No Job no money Im struggling day and night a fight to stay warm Please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Marlette Funding, LLC
State: AZ

Complaint narrative:
NEW INFOMATION .... As a debt collector participating in commerce in the United States of America Best Egg is governed and must abide by federal law. Best Egg claim in there response that they are required to report my information to the credit reporting agencies, Required by whom? pursuant to 15 USC 6802a it clearly states that no financial institution or an affiliate may not disclose to a nonaffiliated third party any nonpublic personal information, I have no establish relationship with any credit reporting agency in regards to the alleged debt. 

Furthermore pursuant to 15 USC 6802b ( XXXX ) ( B ) I was not given the option to opt out of any form of credit reporting or sharing of my personal information with any nonaffiliated third party, I also was not given any explanation of how I may exercise my right of nondisclosure option pursuant to 15 USC 6802b ( XXXX ) ( C ). For the sake of my right to privacy as a Federally protected consumer and the sake of my personal reputation I request that Best Egg kindly remove this information from all Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I am unaware of all these inquiries, I have called all the companies and credit bureaus and have sent letters for the past XXXX  months to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am unaware of all these inquiries, I have called all the companies and credit bureaus and have sent letters for the past XXXX  months to no avail.

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX Original creditor name XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

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 2022-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service Company, INC
State: TX

Complaint narrative:
I sent Credit Service Company a dispute letter for XXXX accounts that they have reported on my credit report. The disputes were sent out XX/XX/2022. I asked for documentation that I am entitled to ask for and they have not complied with the whole list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My Social Security number was mixed with another persons account which affected my credit score I requested time after time who made that mistake or error I was never given that information.

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