vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: MOHELA
State: MD

Complaint narrative:
I requested a refund for all payments I made during COVID forbearance on XX/XX/. My loan servicer ( MOHELA ) returned parts of the payment and my loan balance was restored to the amount owed pre-covid within a few weeks, but there are still {$800.00} of refund missing. The {$800.00} consisted of payments made towards XXXX ( the servicer I had before the loans were transferred ). Despite telling me that refunds will be issued within 60-90 business days, I still haven't received the fund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank Place A Restriction On my XXXX Profile On My Online Banking Am Not Able To Use XXXX to send money to anyone becuase of Citizens Bank Adding a restriction on XXXX XXXX in the Citizens Bank Mobile App and i contacted Citizens Numerous Time About this Issue and Customer Service they are Unable to Remove the Restriction From XXXX XXXX on the Citizens app i also step into a branch in XXXX XXXX in the XXXX and they also where unable remove this restriction from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: CA

Complaint narrative:
Mortgage loan with Wells Fargo ( and HELOC ) was subject to the CFPB settlement wherein Wells Fargo improperly denied loan modification 9 times, resulting in lis pendens and foreclosure action. Wells Fargo continues to claim a trial period was offered when it was not. 

Wells Fargo identified our loan XXXX XXXX XXXX ) has improperly computations in modification application ( but refuses to acknowledge they improperly denied modification request under HAMP 9 times ) and send a bogus " settlement check '' for {$200.00} on XXXX XXXX XXXX 

Wells Fargo Remediation claims this was a " customer service courtesy ''. 

Lender is well aware of our status as borrowers. In XXXX XXXX XXXX XXXX  Pick-A-Payment '' Mortgage Marketing and Sales Practices Litigation in the ninth circuit XXXX borrower filed declarations seeking relief in class action suit, and as class members were never provided any compensation in settlement entered.

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 2023-12-11 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I have been using Remitly.com to transfer money to my friends in XXXX over the last couple of years. Occasionally, During 2023 I had four transactions that were debited from my account that I had to cancel. I received confirmation emails that the transactions were canceled but the money was never deposited to the account. I have been trying sent XXXX of 2023 to resolve the issue. Basically, they have been blowing my off saying the money was returned even though I sent statements in showing the money went out of the account but was never returned. The four transactions add up to over {$500.00} XX/XX/2023 XXXX USD ( on this one there were two transactions around this date that were canceled and they return one of them ) XX/XX/2023 XXXX USD XX/XX/2023 XXXX USD XX/XX/2023 XXXX USD I have all the cancellation notices and sent them all my bank statements showing the money was never returned. They keep on saying the money was returned and I should have my bank trace the money. They basically stole over {$500.00} from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX I have disputed this account on XXXX XXXX XXXX. Both Equifax and XXXX report no late payments. XXXX reports 5 late payments. XXXX has not even investigated. This needs to be updated to PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX XXXX XXXX I have disputed this account on XXXX XXXX XXXX. They have no even entered a notice of dispute. They have refused to investigate. The payment has never been late for this account. Please update account PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX XXXX  I have disputed this account on XXXX XXXX XXXX. They have no investigated. They have not entered a notice of dispute. They have not validated account. This needs to be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I have consistently experienced credit score deductions from XXXX XXXX, prompting multiple instances of alertness on my part. Upon contacting the company, I was informed that my account showed no outstanding balance. The recurrent deduction of my credit score without a corresponding explanation or resolution has raised concerns about the accuracy and transparency of XXXX XXXX XXXX  billing system. This ongoing issue requires urgent attention and resolution to ensure the integrity of credit reporting and customer trust in the 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 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
To whom this XXXX concern, This is my second complaint. The company Westlake financial portfolio management did respond to the initial complaint. The resolution as of XX/XX/23 was to have my vehicle returned but they had already auctioned my vehicle. Then they changed the contract terms. I did not agree to a 12 year term at {$250.00}. Ive never spoken to them on that matter. I am out of a car and money invested into it. They also filed repossession then changed the coding to charge off. And the debt they claim is owed wasnt sold off to a third party collection. Its charged off and still attached to them. I still dont have any updated info of next steps to closing this account. The company failed to follow through with remittance of property and the car is still registered under my name.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted disputes to experain to update the balance on my student loans, which are now all XXXX. I also included the proof from the student loan company showing that the balance is XXXX. I also spoke with them verbally and they again confirmed the balance is XXXX and experian should absolutely update this to reflect the correct balance of XXXX. They also said that experian never requested any info for them to confirm or deny so experian never actually did any investigation nor confirmed the balance. They told me to tell experian to " stop being lazy and do their job. '' Upon receiving the final dispute today, XX/XX/23, I called Experian as well ( XXXX in the dispute dept ), who is saying that they are not changing the balance and actually they never look at the proof of documentation that the complaintee ( me ) includes in the online experian dispute because the dispute team doesn't have access to the dispute files!!!! What sense does this make? They told me to just put in a new dispute over the phone, however, this just extends the delay when this should be done the right time, the first time. These lazy delay tactics are breaking FCRA! For reference, the final experian Report Number is XXXX. The dispute number is : XXXX. If you need anything else, please be in touch. I'm happy to provide any further supporting documentation. Thank you kindly!!! : )

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 2023-12-11 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " 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. " XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Transunion is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any 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. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Transunion not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services.

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 2023-12-11 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: EdFinancial Services
State: OH

Complaint narrative:
In XXXX of 2023, I called to change from the XXXX plan to a standard repayment plan. I chose the XXXX plan because I was advised to by colleagues and it was promoted on the site ( " Need better payments, choose XXXX XXXX '' ). They did not tell me what the new cost would be. My payment went from {$150.00} to {$670.00} a month, beyond what I could pay. 
I called multiple times and their wait times were extended XXXX hours after the time I called, past their open hours, and when I left my number I did not hear back. When I got a hold of them I was told ( in XXXX ) that I could change back and that it would happen by the end of the day or within 10 days. It did not happen. I called back in XXXX and they said it took up to 45 days. When I asked why they said they were behind on processing. I was then told that it would change " any day now. '' Same conversation in XXXX. I called XXXX and they told me it would be put on an emergency path and would be taken directly to a manager to be changed and the balance of my account would be adjusted to my previous payment ( The first person told me this was impossible ). Each time I've talked to someone I asked to be emailed a record of our conversation and they've refused. The chat service does not lead me to information so there is no written record. It is now XX/XX/XXXX. I just talked to someone and they told me it would be done by the end of the week but no clear date or manager to talk to or reason to believe this time would be different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax XXXX XXXX is reporting inaccurate accounts on my commercial lending report. A derogatory account reporting from XXXX XXXX is paid in full and in good standing. I have furnished Equifax XXXX XXXX with documentation directly from the creditor to verify the account isn't past due or negative, however, the information still has not been updated on my account. This error is causing me to be declined for receiving lending from other creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted because of false information, non privy information and outdated information. XXXX has neglected to correct my personal information and report true information. I have never had an at fault accident which I am being told is impacting the cost of coverage of unaffordable insurance.

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 2023-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tate and Kirlin Assoc
State: FL

Complaint narrative:
The sent a very threatening message, and then proceeded to refuse to give me the purchase agreement or validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing this complaint again for the second time. I have sent your company a dispute last month XX/XX/ which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there. The negligence of your company is causing me stress and affecting my mental health, not only have I stated the fraudulent accounts, I have also attached an FTC report with FTC number XXXX alongside my ID and social which I will be attaching again. I should not continue to be punished for being a victim, and all I can do is reach out to your company to correct it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

Please delete these fraudulent accounts : XXXX XXXX {$490.00}

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 2023-12-11 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: NV

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and opened up fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX Account number - XXXX this account is not mine I disputed off my credit report and it came back as verified I asked for the original contract and they did not provide me with the original contract and I have proof that it is not correct

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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/ tried to pay off my entire balance and it said an error occurred. This is the second card this day that it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
On my XX/XX/ statement from CareCredit I noticed a {$140.00} charge that was posted XX/XX/XXXX. I knew this was from a subscription I had signed up with while I was working for my previous employer. 

I contacted the company, XXXX, shortly after and let them know I could no longer access that account and needed help cancelling the subscription. I got a case number at the time and waited. I didn't hear back so I reached out again. I got another case number and nothing. At this point I reached out to CareCredit to dispute the charge. 

I spoke with CareCredit in the middle of XXXX, and then at the end of XXXX I saw I had been refunded the total so I assumed all had been taken care of. Then, on XX/XX/XXXX I saw that the charge was there again. 

I was hoping it was a mistake, but it wasn't. I called CareCredit again last week, XX/XX/XXXX to figure out what had happened. They said that XXXX had denied the request and that I was in fact being charged. I explained the situation again, that I can't access that account to do anything about this, and they have opened another case with 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 monetary relief
Consumer complaint received 2023-12-11 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:
These inquiry is not authorized and should be removed from my credit report 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