vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

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 2022-01-27 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But XXXX, XXXX and Experian keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden

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 2022-01-27 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: SLM CORPORATION
State: CA

Complaint narrative:
Someone attempted to receive a loan using my information through Sallie Mae. Hard inquiry is not by me and should be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 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: NY

Complaint narrative:
i had my capital one secured card since about 2015. I was late one payment one time due to an accident. Due to someone using my card in another country i had to cancel my card that was attached to it for payments and get a new card. I had forgotten i already had an automatic payment scheduled and they tried to take payment twice. It failed and they closed my account without even telling me tranactions failed the first time or even the second. i called them but no to avail they would not budge i also sent a reconsideration letter because i didn't want another hit from them on my report. So now i have a closed account just sitting on my report, they claim a failed payment is fraud and thats why it was closed. i have asked for reconsiderations but nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: AES/PHEAA
State: MA

Complaint narrative:
Older adult students are being punished in the XXXX program. Periods of time that we are employed at a XXXX qualified employer while going to graduate school and making payments on our undergrad loans, we are not getting the credit for those payments. When the new XXXX waiver rules came out they said all payments would count. Now they have said its only while the loans were in repayment. I was told years ago that I did not have to take the loans out of repayment that I could keep paying on them anyway. I was also removed from XXXX for a period of time and told I would have to start over so I gave up until this waiver came out. This was after struggles where I asked to have the automatic in school deferment removed but it kept coming back. In addition, none of the payments made before I consolidated loans are being counted either. Lastly, if students who did not pay what they should have are getting their payments counted, why arent ours counted when we did pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: GA

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I initiated a bank transfer from XXXX to Venmo on XX/XX/XXXX, the website said the transaction would take 1-3 business days which by all calculations at the latest would be the XXXX, after I had submitted the request the language changed to say the funds would be available to send or spend by the XXXX. Low and behold the XXXX is here now after several attempts to use the money they have changed their information again to now tell me my funds wont be available until XXXX  XX/XX/XXXX or even XXXX XX/XX/XXXX at the latest! I have missed work, I am now at work and have no gas to get home my phone and internet have both been shut off and now my electric bill is in question. If this does not warrant a lawsuit then I question the whole system to fraudulence including this complaint process!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
This collection agency is trying to collect on the exact same debt as another agency XXXX XXXX XXXX. they both sent the same fake receipt of services to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Ncb management services trying to collect a debt thats not mine also I sent validation letters Over 60 days ago never heard a response for this Company I need signed documentation copies of my signature for this type of loan I never do any business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I booked a trip with XXXX XXXX XXXX and was approved through Affirm for a loan. Upon getting the loan from Affirm, the trip was paid in full and I would be making payments to Affirm for the trip. I took the cancel for any reason insurance through XXXX XXXX XXXX and a few days later I had to cancel the trip because of my husband 's health issues and him not being able to travel. I tried calling XXXX XXXX several times and I sent emails also that I wanted to cancel the trip. Instead oXXXX XXXX XXXX giving the money back to Affirm, they kept the money and just gave me a credit. If a person is unable to travel, how can the merchant force you to travel? My husband can't travel at all now so I expected a refund not a credit! The insurance said cancel for any reason. I was not aware that XXXX XXXX XXXX  would not give the money back to Affirm. I have no collections on my credit report and do not want my credit destroyed by Affirm or XXXX XXXX XXXX. Affirm is still expecting me to pay them when this issue can be easily fixed by XXXX XXXX XXXX returning Affirm their money! I have no problem paying Affirm but feel XXXX XXXX XXXX was being deceptive in saying you cold cancel for any reason. I'm submitting by complaint in an effort to get assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: LEXISNEXIS
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of equifax did not delete these charge offs/write offs as by law were expected they just waited. XXXX, XXXX, XXXX XXXX, LEXISNEXIS, XXXX, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waited. XXXX, XXXX, SAGE STREAM, XXXX, XXXX, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
I began receiving statements from Chase bank in XXXX, XXXX, regarding a checking account with insufficient funds and a fee for overdraft services. I did not, nor have I ever, had a checking or any other account with Chase Bank. These fraudulent accounts were opened in my former name. I have filed reports with the IRS, Consumer Federal Trade Commission, my local police department, as well as contacted the company numerous times with attempts to clear this fraudulent mess up. I have completed the fraud identify packet sent to me through Chase Bank, by faxing the information XXXX times, as well as certified mailing the packet twice. I have contacted several numbers given on the statements sent by Chase Bank, only to be disconnected several times, and to not have my calls returned ( until XXXX XXXX, XXXX ) by " XXXX '', who is the person in charge of investigating my claim. I have even received a check for {$85.00} for the balance on one of these accounts, which I disposed of after making a copy of it. This week, I received a statement from Chase for Interest earned in the amount of {$220.00} on the accounts I didn't open. They told me this information is being provided to the IRS. I recently found out that I am a victim of the XXXX data breach, and have filed a report regarding the matter. I am looking for closure to this circumstance, and have taken measures to contact all three credit reporting agencies to stop any further fraudulent activity related to my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
Paid {$160.00} on a medical bill, I was told by Paying the account it would be removed from my credit report, it's been 4 months and it still shows on my report RSI, XXXX Confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I been trying to get in contact with all three credit bureaus since XX/XX/21 and still haven't received response from any one them

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I been trying to get in contact with all three credit bureaus since XX/XX/21 and still haven't received response from any one them

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 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IL

Complaint narrative:
I have reached out multiple times to get information about my loans through FedLoan. I am accepted to the PSLF program, but havent received ANY communication regarding if any of my loan payments that were previously on a wrong plan will count. I have called and emailed FedLoan to ask more specifics about what I should be doing and if everything I have done so far is in line with what I need to do to get my loan payments accepted under the plan. When I did get in touch with someone, they wouldnt say one way or the other if I am doing the right thing. They told me information I already knew, that I was accepted to PSLF ( which was prior to the waiver ), but could not tell me if they had everything they needed from me or what I should do to get this information. Getting in touch with someone is near impossible. After emailing the address listed on their website it took 2 months for them to reply and they didnt answer any questions that I had, still leaving me in the dark as to if I have done the right things to do for this waiver. Other times I have called and nobody has answered and when I tried their chat option on the website, it says it is unavailable. I do not want to miss out on this opportunity to have payments accepted under this plan, but I have no clarity if I am doing anything right. Many people on PSLF are waiting on this determination to move forward with their careers and lives, but we have no clarity if we are doing the right things to get this forgiveness leaving us in a very confusing situation that could cost many of us THOUSANDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 a number of XXXX called 14 times in a row repeatedly. The number was identified as IC Systems. When I called about it they denied having called me numerous times. 

This is harassment. Anything they want they can send to me in writing.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
All credit reporting agencies are missing monthly status reporting history from over 48 student loan accounts, credit cards and missing correct address information and its not producing a credit score even when viewing with credit freeze code and/or temp lift to view report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a first time home buyer and this process is new to me. I applied for a pre-approval in XX/XX/2021 and I was approved by XXXX XXXX from Fifth Third Bank. I finally found the perfect home and we put in an offer on XX/XX/2021 and offer was accepted. Contract was signed on XX/XX/2021 and closing date was scheduled for XX/XX/2021. The appraisal for the home was not done until XX/XX/2021. He found something wrong with my checks 2 days before closing and I had to scramble and had 48 hours before the closing date to get a letter for garnishment that shouldnt have happened on my check that the account was closed. The appraisal took 2 weeks and the sellers were wanting to work with me but because it was passed the closing date they would no longer pay the repairs that needed to be done for FHA approval, so we had to pay for the repairs. If the appraisal and my credit was done before XX/XX/2021 then there was no need for my credit check to be done again and repairs would have been paid by the sellers if it was done in a timely manner. My credit was reranned on XX/XX/2021 and new things showed up on my credit and my credit score dropped, so I no longer was getting approved by the bank to purchase my new home. We tried to get an extension since the repairs were already complete, all the inspections were done ( home {$420.00}, termite {$60.00}, radon {$120.00} ), and application fee ( {$390.00} ) for fifth third bank was processed and paid for. He was very unprofessional, was not responsive to me or to my lawyer or realtor and not processed like things should have happened. I would not have lost this house if it was not for him. The house was put up on market and they accepted another offer from another buyer. I lost alot of money. I did complain to his supervisor XXXX XXXX and she didn't do much either. She did admit on the phone that he failed to tell me the price range I should have been looking for in a house and for not doing things on time before my pre-approval letter expired. Im out on a house of my dreams and out on money. I do not want anyone to go thru what I went thru as a first time home buyer. I will never recommend Fifth Third Bank to anyone to purchase a home. Please let me know what we can do if I can get my money refunded for a poorly and unprofessional job on my application to purchase a home.

Company response to consumer: Closed with explanation