vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I requested my portion of the approximately {$27000.00} Fine levied by the CFPB due to me. 
My home was in Foreclosure for 14 years. 
Wells Fargo refused to Modify my Loan for 14 years when interest rates very, very low. 
Wells Fargo refused me a Forbearance on my Loan during Covid-19 Wells Fargo stated they will call me if they find any reason where they were at fault. 
My loan has not been modified although they allow me to make payments. I dont know where my payments are going as they are held in a corporate account.

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 2023-09-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: AZ

Complaint narrative:
Lexington law forwarded my information for a disputed payday loan that was done fraudulently. They forwarded the claim after the expired statute and garnished my paycheck for an unreasonable amount. It was removed previously but when I canceled they retaliated and my credit has dropped. XXXX XXXX XXXX has been violating my privacy rights after opting out to this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: Westlake Services, LLC
State: GA

Complaint narrative:
XX/XX/23 - car was repossessed by Westlake Financial Services without notice through XXXX or to me ( customer ). 

XXXX called Westlake Financial Services with an officer and could not be identified through this company. Was told by police that no lien was on vehicle. I purchased car from American Car Center and financing through American financial and they closed without notifying customer and deleted account. 

XXXX contacted " XXXX '' from Westlake and was treated very rude and would not give me any information concerning vehicle but demand a payment of {$1300.00} to have the car released to me but I have to give him my card information over the phone. I could not set up account and pay online. I was given by " XXXX '' from Westlake Services two phone numbers that is fake to the recovery because he told me I had to pick up the vehicle after I paid him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: LA

Complaint narrative:
Before consolidating my direct federal loans with Mohela, I had XXXX qualifying payments for XXXX. Studentaid.gov and Mohela both told me I should consolidate my loans to make sure all of my payments qualified under the temporary limited XXXX  waiver. Since consolidating in XXXX of XXXX, Mohela has erased my pre-consolidation qualifying payments so that it now only shows XXXX qualifying payments on their website, where it should be XXXX = XXXX qualifying PSLF payments, as of XXXX of XXXX. When I recertify in XXXX of this year, I believe I should have XXXX payments total and not have to make any more payments before having the remainder of my loans forgiven. Also, studentaid.gov seems to have DOUBLED my loan amount ( from {$320000.00} to {$640000.00} ), showing both my previous loans and the newly consolidated loans on the studentaid.gov website. 
I have called MOHELA multiple times over the past year and each representative assures me that I've done everything right and that they are back-logged and will adjust my qualifying payments in the near future, but it has been over a year and there is still no resolution. I have filed a formal complaint on the studentaid.gov website on XX/XX/XXXX, as well as submitting supporting documents. I received an automated email from them on XX/XX/XXXX, saying that they would " respond to my complaint within 15 days, '' but then never received a response. The case was then " closed '' on their website without them ever contacting me or resolving the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
XX/XX/2023. Disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have BMO Harris - relationship checking account.

It seems this BMO Harris - online banking is done by some really incapable people because nothing works. On top of that - their support is really pathetic - one after the other transfer and they have no idea what they are supporting. 
I had an issue to open the account online. Later I need to spend 1.5 hours on phone to get the account opened. Now I am getting another issue : warning -> You must validate your email address before you can transfer funds. 
When ever I want to transfer money out of BMO to external bank account. I am getting the warning message that " You must validate your email address before you can transfer funds '' due to this funds can not be transferred from BMO account to some other accounts of mine. 

I put the same code that I got on the email but still the same issue. 
Called BMO at around XXXXXXXX XXXX  Central time - no help from customer service and then useless phone transfer.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
There are a lot of things on my consumer report that are there as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
I requested written validation of my debt. I received a validation letter dated XX/XX/2023 from Arcadia Recovery Bureau , LLC that failed to include the following information : 1. Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong 2. An end date for a 30-day period when you can dispute the debt The debt collector did provide an itemized statement from the creditor, XXXX XXXX XXXX XXXX XXXX XXXX but the amounts differ from the validation letter. 

Professional Charges : Total Charges : XXXX Professional Payments and Adjustments : XXXX XXXX XXXX Total Insurance Payments and Adjustments : XXXX It is not clear how the debt owed came to amount to {$140.00} as indicated in the validation letter from Arcadia. Doing the math as listed in the itemization I come to a total of XXXX. 

XXXX XXXX XXXX = XXXX I received multiple bills from the creditor, XXXX XXXX, with differing amounts ; on XX/XX/2023 total payment due {$140.00} and XX/XX/2023 total payment due {$210.00}. Also, the itemization of the current amount of the debt does not reflect payments or credits within the validation letter, which differs from the creditors itemization of the above-mentioned payments and adjustments. I am submitting this complaint because I was not given proper information regarding this debt collection, nor an ability to dispute, nor an end date to dispute by, or a reasonable explanation of the amount of debt owed including any adjustments, or credits applicable. The debt collector and creditor appear to be using disingenuous accounting to misrepresent owed amounts which needs to be investigated further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I sent a domestic USD wire transfer from XXXX XXXX XXXX. The Intermediary bank is JP Morgan Chase. Apparently I entered the incorrect information into the wire and JP Morgan Chase couldn't deliver it, so instead of returning it to XXXX XXXX Bank. JP Morgan Chase just kept it. Did nothing. Nothing, so now we have to formally request an investigation and a refund of the wire transfer. There is no timeline on this. Could be 5 days, it could be 50 days. I hope it's sorted quicker but if the bank just decides to keep it in the first place do you think they're going to return it quickly upon request? To me this is theft. It's been 7 business days and Chase has done nothing with the money. It's in some spot in their bank just hanging out, earning interest for them, without any regard the the end consumer. We were going to use this money to buy a house next week. I mean my XXXX. My mistake sure, but then when you can't deliver it, return it. That's what the XXXX XXXX XXXX does when they can't deliver a letter. It's what any reasonable person would expect to happen. The routing number for Chase is XXXX. 

Detail Information of ACH Routing Number XXXX Routing Number XXXX Bank JPMORGAN CHASE Address XXXX XXXX City XXXX XXXX  FL ZIP XXXX Phone ( XXXX ) XXXX The reference number from XXXX XXXX is Reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received business funds for my business in my personal account and Capital one decided to end the business relationship and return those funds to whom they were sent from. They were unable so they sent them to the IL state XXXX, which I complied with. After that was done a remaining balance of {$250.00} was left in my account, it has been over XXXX and i have yet to hear back from anyone in regards to the matter. Each time I call Im given run arounds that never resolve my issue! Today I was told they have no time limit on an investigation but theyve already decided to terminate relationship so how is there still an ongoing investigation? Funds were already sent to the state, SO HOW IS THERE AN INVESTIGATION? Theyve stated the account isnt closed but I have no access to my money, I can still log into the account and view it, I am also still receiving bank statements as if the account is still open! CAPITAL ONE IS MAKING MONEY DAILY FROM MY FUNDS AND ITS BEEN OVER XXXX YEARS! The relation was terminated XX/XX/XXXX XXXX. The account is still open as of XX/XX/2023. Thats over XXXX, WHO INVESTIGATES THAT LONG ON AN ACCOUNT THAT HAS BEEN TERMINATED ALREADY? I call b.s and this is stealing! I was able to login until I called them today XX/XX/2023, now its saying its blocked for too many login attempts when thats a lie. Ive attached the pic of them saying such thing!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX Account # : XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX Account # : XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IA

Complaint narrative:
Reporting debt on credit reports after multiple times disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On the evening of XX/XX/XXXX, I posted my treadmill for sale on XXXX for {$100.00}. That evening, XXXX XXXX contacted me and said he wanted to buy it. In the conversation, he said he would pay me with Venmo. I told he three times that I wanted to do a cash transaction, but he said he was not convenient and needed to withdraw cash. He then asked me for my Venmo account to make a reservation. I gave he my account, and after a few minutes, he asked me if I had received the money. I said I hadn't received any money, so he told me to check my email inbox. 
He told me to call Venmo with he to get he {$100.00} back. ( The reason is that he is a business account and my account is a personal account, so the other party must transfer {$400.00} to my account. Only after I receive the other party 's {$400.00} can I return their {$100.00}. ) I simply wanted to help her get the money back, so I called the Venmo hotline on the email, XXXXThe customer service representative asked me to contact the buyer by text message and ask them to transfer {$400.00}. So I contacted the other party and told them what the customer service representative said. Then I received an email showing that I had received the other party 's {$400.00} : He asked me to click on it, and after I clicked on it, then I was deducted {$400.00}. 

The Venmo customer service representative was still on the phone with me, but I realized something was wrong. I asked the customer service representative why I hadn't received the other party 's {$400.00} yet? My money was deducted instead? At this time, I was asking my husband how this strange thing happened. My husband said I was being scammed and asked me to hang up the other party 's phone. 

As soon as we hung up the phone, we immediately contacted my bank, XXXX, and said that I had been scammed and wanted to cancel the {$400.00} transaction. XXXX did indeed stop the transaction immediately. But your company used the funds in my Venmo account to pay this scammer! 

I am very disappointed and sad. The Venmo company actually helped the fraud and did not investigate the matter. The world is in chaos and there is no truth! 
I just don't want anyone else to get scammed, so I'm telling my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been disputing the validity of the XXXX XXXX account that is being reporting on my Experian credit report for reporting inaccurate information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and each time the results have been that the account is verified and updated. On XX/XX/XXXX, I requested that the XXXX XXXX account be deleted from my Experian credit report because I received a letter from XXXX XXXX dated XX/XX/XXXX, which states that they are unable to confirm my personal information or locate my account number, and I included it along with a copy of my ID and SSN. On XX/XX/XXXX, I received an email from Experian stating my request was denied and the disputed account was verified and updated. How can this account be verified as accurate and updated when the company is saying that they can't confirm my personal information or locate my account information? I would like this account to be deleted ASAP.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
In XXXX  Iowa Student Loan ( Aspire ) issued me a 1099c. The identifiable event code was blank. After many months, ISL finally sent a SECOND 1099c it listed the identifiable event as XXXX XXXX  - a discharge of indebtedness under agreement between the creditor and debtor. To be able to appropriately address tax liability I have requested a copy of the agreement that triggered this event. ISL/Aspire refuses to provide such documentation and also refuses to update the 1099c to correct the identifiable event because no settlement agreement exists. After filing a prior CFPB complaint about this issue, Aspire provided the following response : XXXX XXXX signed a promissory note and agreed to the terms as outlined in the credit agreement when she applied for the private education loans. Copies of the signed promissory notes and credit agreements were sent to XXXX XXXX in XX/XX/2018 notifying her that the balance on the loans had been written off, but we are resending them directly to her again along with a copy of this response. The credit agreements were issued under Iowa law, and they clearly identify the provisions for default. Under Iowa law, the statute of limitations for collecting on unpaid debt that stems from a written contract is 10 years. Because payments were not received from XXXX XXXX in that time period, the debt went out of statute. As a result, Aspire Servicing Center wrote off the loans on XX/XX/2018. At that time, the IRS required the issuance of the 1099-C. The 1099-C was provided to both the IRS and XXXX XXXX for the XXXX  tax reporting season. Box 4 contained student loan as the debt description and provided the date of the identifiable event in box 1. If XXXX XXXX has additional questions, she should contact Aspire Servicing Center at ( XXXX ) XXXX between XXXX XXXX and XXXX XXXX  ( Central time ) Monday through Friday. 


As you can see the XXXX  1099c issued does not list the CORRECT indefinable event code that aligns with Aspire 's response to my prior complaint. IF what they are stating is accurate and the 1099c was issued because the debt went out of statue than a CORRECT XXXX  1099c needs to be issued to show an identifiable event code of C ( Statute of Limitations ). As a result, ISL/Aspire is purposefully and willfully damaging my credit and causing severe tax consequence as I have had to set up a payment plan with the IRS until this is resolved.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I can not have these accounts misreported in my report with erroneous balances XXXX XXXX XXXX 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 non-monetary relief