vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/2021, we were contacted about a puppy for sale. We talked to the " sellers '', and requested live video. When it was time to make a payment for the puppy, we were going to use another payment option, but the " sellers ' suggested that we use XXXX because it was affiliated with our bank. I did a search and sure enough they were. This made me feel more comfortable because it was linked with our bank. Chase was advertising XXXX, I'd been with my bank for over 10 years and trusted them. I felt confident in knowing that since my bank affiliates with this service, then we are protected. We paid for the puppy and it's transportation. Afterwards we realized that it was a scam and contacted our bank immediately, but had to wait to speak with claims because they were already closed. We spoke with them on XX/XX/XXXX, and was essentially told too bad, your loss. Their response was that because we used XXXX and initiated the funds they would not help us, stating it's their and XXXX 's policy. They even sent a letter a day later ( some investigation ) that " as we discussed and AGREED UPON '', no action will be taken, the inquiry is resolved. The only reason we went with XXXX is because it was affiliated with our bank. Now they're pretty much saying, you're a loyal customer and even though you used a service that you trusted because our name was associated to it, and you trusted us, it's your loss, it's policy, no refund. No investigation to try and get our money back when they clearly know the bank the funds got transferred to, and definitely no regard that we contacted XXXX and informed them that we paid for a background reverse number check and found that this " company number '' was reported to them back in XXXX and they continue to let them utilize the service and scam people. The only reason we used XXXX and thought it was creditable and safe is because it affiliated with our bank. These services know people will use them and not look too much into their policies because their name is attached to their bank, and people trust their bank for protection. Banks like Chase could care less about getting their customers money back because it's not in their interest. It's our fault for trusting our bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Lending Club Corp
State: MD

Complaint narrative:
I was explained the Company that I have difficulty to pay due to Covid-19 It affects me and my family they were willing to help but they report a late payment to the credit Bureaus. It hurt my Score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened Wells Fargo checking account with a {$200.00} bonus in XXXX. Until now the bonus has never been paid.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2021-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has been placed on my credit report as the owner of this debt however, there. are several names on this invoice with no further information. The invoice not only has a name of XXXX XXXX XXXX, it also has XXXX XXXX XXXX, XXXX, it states services provided by XXXX XXXX XXXX XXXX, there is a name of a XXXX XXXX. This alone is adding false information to my credit report if they are not the actual owner of the debt. 

I have contacted XXXX XXXX requesting more information which includes documents that I would've signed in the emergency room and they have not responded.

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 2021-10-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has been placed on my credit report as the owner of this debt however, there. are several names on this invoice with no further information. The invoice not only has a name of XXXX XXXX XXXX, it also has XXXX XXXX XXXX, XXXX, it states services provided by XXXX XXXX XXXX XXXX, there is a name of a XXXX XXXX. This alone is adding false information to my credit report if they are not the actual owner of the debt. 

I have contacted XXXX XXXX requesting more information which includes documents that I would've signed in the emergency room and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2021 : I went into Wells Fargo to make a wire transfer to another Wells Fargo account in the US for the amount of {$190000.00}. 

The other person verified that the money never arrived to his/her account. 
I have been contacting Wells Fargo ( both on the phone and inside the branch ) and the only resolution given to me was to wait. I have filed multiple complaints with Wells Fargo but they just bounce me around and keep putting me on hold. 

I have been waiting for 7 months and the money is still not back to my account. I have also tried getting from a lawyer but it did not bring any resolution. It is a large sum amount of money and it is causing a lot of trauma to the point where I feel depressed. This matter really disturbed my life and it is damaging my finances. 

I would really appreciate if CFPB can look into this matter and help me resolve with the bank.

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 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA Last reported XX/XX/2021 {$0.00} Reported balance Original balance {$630.00} The above account is not my account please remove from my credit profile. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: CA

Complaint narrative:
im filing this complaint because Experian and XXXX are not holding up their end when investigating the inaccuracies on MY CREDIT REPORT. the account that I am needing removal or adjustment to is XXXX XXXX from XX/XX/XXXX. I have verification that XXXX XXXX was paid In full on XX/XX/XXXX so that means that XXXX AND EXPERIAN have not done their proper procedures to make sure this account is reporting CORRECTLY!!! they are definitely willfully and noncompliant and I need this account removed immediately or adjusted to a positive TRADELINE as it is showing NEGATIVE!! I have submitted the CFPB COMPLAINT FROM XXXX XXXX VERIFYING that EXPERIAN AND XXXX are not doing proper investigations

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 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX an account was opened and I was approved for {$1000.00} credit limit. XX/XX/XXXX I demanded a cease and desist following a letter to verify who the original creditor is. Discover defaulted on both letters by failing to respond. I also sent an affidavit of truth, invoice with violations of my consumer rights and Discover also failed to respond to those in a timely manner. 15 U.S.C. 1681b ( 2 ) states consumer reporting agencies shall not report any information unless the consumer gives written consent to do so. I did not give consent to put anything negative or positive on my consumer report. They also violated me by designing a form knowing that it will be used to create false belief that a consumer owes a debt and that is a violation of 15 U.S.C. 1692j ( a ) and 15 U.S.C. 1692b ( 2 ). I am a consumer and the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Someone hacked into my CHIME BANK/XX/XX/XXXX account and transferred all my money to someone named XXXX XXXX This happened on XX/XX/2021, in the amount of {$660.00}. The bank denied my claim and refused to refund my money even though I filed and submitted a police report. This bank has not helped me and has not done anything to assist me with this process. I need my money it is all I had saved. They say the money is insured and they are here for the customer, but even with LEGITIMATE PROOF OF THEFT THEY HAVE NOT RETURNED MY MONEY, That makes them thieves as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I been trying to have this public record bankruptcy removed for many months, have letter from company experian uses to verify this is not on there record, my record, company experian uses XXXX XXXX, when i call XXXX XXXX they do not understand why experian still has this bankruptcy on there report and no record of experian checking with them, i sent experian again, 2 letters, 1 from XXXX XXXX and 1 from stating the same thing as attached, if experian is using XXXX XXXX to verify and not checking with them and experian records do not match XXXX XXXX, then why will experian not remove bankruptcy from there records, in letter experian sent to me, they state they use this company XXXX XXXX,

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 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
Re CFPB complaint # XXXX, as lending Tree not responding, I sent the email below to the CFPB whistle-blower email address, but got an automated reply sending me back here if the issue of the complaint affected me personally, which it has ( see below ) _____________________ Greetings, _____________________ I filed my complaint w/ the CPFB on XX/XX/2021, as seen below. Were now closing in on one month later, and despite having been contacted by the CPFB for a response ( none provided ), Lending Tree continues its bait and switch tactics. 
Attachment 2, which appeared on my XXXX home screen 2 days ago is ironic, as next to the ad appears a real estate article correctly stating that the 30 year fixed rate is in the area of 3 %, while Lending Tree simultaneously shows 2 % on same page. No doubt Lending Tree is making millions of dollars selling leads to dozens and dozens of lenders, none of which have the rates posted. 
I know, because after seeing these ads for years, I finally responded, and put up w/ the myriad calls from dozens of lenders, none of which offered anything but market rates, which were on average .875 to 1.125 % higher than Lending Tree is stating.

There is no question in my mind that Lending Tree is acting in bad faith, and as theyre not responding to the CPFB, nor ceasing/ desisting their bait and switch tactics, its clear that they have little concern nor respect for the law nor the CFPB. 
I was shopping for a personal no cash out low LTV refinance for XXXX on my single family residence, and missed out on sub 3 rates, taking phone calls w/ the dozens of loan officers who purchase leads from Lending Tree, wasting hours upon hours of my time, so I have been personally damaged by their blatant misrepresentation. 
If lending Tree can not direct me to a lender offering the rates theyre advertising, I request that they be required to pay a lender to provide the advertised rate, or stop misleading the public. 




_____________________ On the day the 2 % was posted ( XX/XX/2021 ), 2 % for a 30 year fixed would actually have costed XXXX points, which would cost {$290000.00} in my case of a XXXX loan amount ( XXXX X XXXX points ), which I feel Lending Tree should provide me if they cant point out a single lender that is/was offering what theyre posting. 
Based on Florida regs, I believe that they could be responsible for a fine of XXXX per day, from the time they ignored your contacting them, which could provide another method of recapturing my loses now that rates have risen again. 
______________________________________ Does the CFPB have any actual interest in having their regulations complied with, and the public protected? 

Im hoping so!! 

Thank You XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
A deposit was made in the amount of {$40.00} into a business checking account to cover past expenses of a - {$12.00} at XXXX XXXX XX/XX/21. Receipt states that any deposit after XXXX XXXX  the same day will be reflected as available the next business day. Available balance received and shown as current : {$27.00} XX/XX/21. A notification was sent to the account 's Message Center inbox at XXXX XXXX  PST XX/XX/21 stating that an overdraft fee was applied for an overdrawn balance in the amount of - {$12.00}. An email was received from XXXX at XXXX XXXX  PST XX/XX/21 notifying a message was sent to the account 's Message Center inbox. A call was placed to customer service at XXXX XXXX XXXX  PST XX/XX/21 to file discrepancy. Was informed that even though funds were deposited and shown as available the next business day a true reflection does not apply until after close the next business day. When asked if it was possible to remove the overdraft fee the customer service representative stated that only 1 overdraft removal is allotted and had already been used.

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 2021-10-06 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: PA

Complaint narrative:
Customer Service XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX Fax : XXXX Office Hours : Monday-Friday XXXX to XXXX XXXX  Central Time Email : https : XXXX I would like to file a complaint on XXXX, the loan servicer for XXXX XXXX XXXX XXXX. I have two private student loan accounts with them. 

I have contacted XXXX  and XXXX multiple times regarding forbearance, I lost my employment due to XXXX on XXXX of XXXX  and I am also XXXX. In the last year and a half I have been given missinformation regarding my account, I have been advised that my loans are in forbearance while reporting to the credit bureaus that I am past due and heavily impacting my credit score and my ability to retain housing and transportation services due to the credit score being incorrect. 

XXXX has single-handedly dropped my score over 100 points in the last year. I have filed disputes with the company, credit reporting agencies and XXXX is continuing to advise me that my loan is in forbearance while marking my account overdue instead. Each time I contact them there is a different reason why and each time it takes over 3 months to resolve, while they advise me to wait they are also reporting incorrect information on my credit 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 2021-10-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: POPULAR BANK
State: NJ

Complaint narrative:
I have a cd with bank named POPULARXXXX  that has matured on XX/XX/2021 I want to close and transfer this cd to my external checking account bank will not close the CD producing all sorts of excuse. plEASE Kindly take necessary action. 

Name of the bank : POPULARXXXX BANK PHONE XXXX MY EMAIL : XXXX XXXX

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 2021-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am an XXXX year old widow. My late husband, who passed away in XX/XX/XXXX, did most of the business transactions for our household. I owned a XXXX XXXX XXXX, which I did not like. I had previously owned a XXXX XXXX, which I liked very much. So, I went to XXXX XXXX XXXX in XXXX, Florida on XX/XX/XXXX and asked if they could help get me into a XXXX XXXX. 

When I left the dealership that day, I had : 1 ) a brand new XXXX XXXX XXXX with a selling price of {$21000.00}.

2 ) a loan in the amount of {$42000.00} from Kia Motors Finance.

3 ) monthly payments of {$640.00}, which is nearly 1/2 of my monthly income ( primarily Social Security ). 

I am not a sophisticated business person, and in hindsight, this appears to be a transaction which the car dealer and Kia Motors Finance should have known was doomed to fail. I believe the car dealer and Kia Motors Finance took advantage of my lack of knowledge about automobile finance, and I am now facing repossession of my XXXX XXXX XXXX.

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 2021-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I disputed inaccurate unverified information on my credit report. Transunion and XXXX stated upon investigation verification by XXXX. XXXX verified the disputed Information was unverified and deleted yet Transunion is still stating XXXX verified the 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 explanation
Consumer complaint received 2021-10-06 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: GA

Complaint narrative:
see attached letter, this account with XXXX, neg information on report, 1 account, is over 7 years old, remove

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 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
COVINGTON CREDIT Last reported XX/XX/2021 {$0.00} This is not my account, please remove from credit profile.

Company response to consumer: Closed with explanation