vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
The List of accounts below has violated my consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account # XXXX. Account Name XXXX XXXX XXXX Account Name XXXX  XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX  XXXX 15 U.S.C 1681 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 instructions.

15 U.S.C. 1681c5 states no consumer reporting agency may make any consumer 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 non-monetary relief
Consumer complaint received 2022-12-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
The List of accounts below has violated my consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account # XXXX. Account Name XXXX XXXX XXXX Account Name XXXX  XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX  XXXX 15 U.S.C 1681 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 instructions.

15 U.S.C. 1681c5 states no consumer reporting agency may make any consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In the year of 2019 we resided at XXXX XXXX XXXX XXXX I feel behind on payments we were financed through Wells Fargo mortgage. My wife and I were able to come up with a balance that we needed and tried all routes through Wells Fargo to pay the balance to not foreclose on our home but our house was listed and sold already. There was no notification to us and did not seem as though the whole process was done correctly. They made it clear that they did not want us to have anything to do with the house anymore as there was no communication what was going on to the whole process. We knew that we were behind but we're not told how fast they were moving to just sell the house. We were shocked when our house was placed and sold without giving us an opportunity to pay the balance needed..

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 2022-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Over the last 2 months of XXXX and XXXX I have been receiving numerous harassment of calls every 5-10mins a day! They are using fake numbers that are not in service as well as their own company phone.

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 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2022 I was scammed by a XXXX XXXX XXXX XXXX stating I was going to have an amount deducted out of my account for renewal of a protection plan and if I did not want to renew I needed to call an 800 # to cancel in doing that the scammer convinced me that I needed to give him permission for the refund and needed to go on the website to do that so it looked just like a legitimate XXXX XXXX website and accepting the refund allowed him on my computer and he transferred money out of my savings into my checking to make it look like the wrong amount had been entered for the refund so he said the only way to get it back to him was by wire transfer so he sent email to send a wire transfer from my bank ( XXXX  ) to Wells Fargo. Upon research I realized it was a scam and called my bank however they said the wire had already been sent to Wells Fargo but they would put a freeze on it and all my accounts and for me to go to my bank 1st thing the next morning and explain and close all my accounts and re-open new ones, I did this and was htere for 3 hours then returned back to my office and spent another 4 hours filing a police report, reporting identity theft and reporting it to the credit bureau. On XX/XX/2022 XXXX  from Wells Fargo called me to confirm wire and specifically told him " DO NOT SEND THIS IS A FRAUD '' He said the money had not been sent and gave me a reference number but my bank had to request the funds back in writing. So I spoke with an XXXX at XXXX and she took the information and gave me a claim number and said it could take XXXX days to retrieve the funds. I let a few days go by and called Wells Fargo back and on XX/XX/2022 I spoke to a XXXX and he told me my bank had not sent the proper paperwork to retrieve the funds, they needed a letter of XXXX and a hold harmless agreement so I called my personal bank XXXX XXXX and got him involved and he said that paperwork had been sent on XXXX.On XX/XX/2022 I called Wells Fargo bank and spoke to a XXXX and he said the case had been closed and they sent a message on XX/XX/2022 that the funds could not be retrieved. I called my banker on XX/XX/2022 and as of that date they had not received anything from Wells Fargo and as far as they are concerned the case is still open. My complaint is with Wells Fargo!! Why did they send the money when I specifically told them not to it was a fraud!!!

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 2022-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Capio Partners, LLC
State: CA

Complaint narrative:
XXXX XXXX. has flagged my social security number for XXXX XXXX on XX/XX/XXXX. This caused my credit to take a hit. They have not tried to call me to notify me of this and I have called and emailed the company but my emails and phone calls haven't been returned to discuss this. I disputed the collection on experience also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I notified companies that these inquiries was not authorized by me. The inquiry was applied without my consent.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I notified companies that these inquiries was not authorized by me. The inquiry was applied without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
am a victim of identity thief and that should have never came by verified. I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 
The accounts and addresses and inquiries below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

Capital One- Opened XXXX # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX- $ $ $ addresses XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *** I HAVE XXXX TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection XXXX XXXX XXXX and XXXX additional XXXX years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT.. 
Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
There was a hard inquiry on my credit report from " XXXX '' on XX/XX/2022. Shortly after being notified about this I received a full Credit Report from XXXX and saw that there was a new account in my name under XXXXFORTIVA for a credit card that I never activated. I immediately filed a dispute through XXXX and was notified a week later that the results were " Accurate and Updated. '' From there I filed another dispute on XX/XX/2022 and received the same results. I also contacted Fortiva directly to try and figure out what happened and attempt to remove the account from my name and they told me that there was no record of me having an account open with them therefore there was nothing they could do. 

So I first need to know how XXXX can declare this being accurate when the company itself has no record of me opening an account with them and most importantly I need this removed from my record as I believe it is fraudulent. I need someone to please help me do this or at least point me in the right direction to do so.

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 2022-12-21 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: OH

Complaint narrative:
They only credited XXXX and that not right for not crediting XXXX more dollars

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 2022-12-21 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: Nelnet, Inc.
State: NC

Complaint narrative:
Nelnet received my request for refund of my student loan payments during XXXX nearly 3 months ago and it has yet to process it. I've requested for the status of it multiple times and they have no idea what is going on or when it will go through. Other companies refunded these payments within days of request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
My loan was consolidated from XXXX to XXXX XXXX for the purpose of applying for the XXXX XXXX. 

XXXX via MOHELAs message system took months to get a reply, which never answered the questions I had at the time unrelated to this XXXX refund complaint. I have called multiple times and stayed on hold for up to XXXX hours. 

I requested a XXXX payment refund on XX/XX/22 after a coworker requested her. The first representative I spoke to that day barely answered my questions. When I asked to put the request in she said I would have had to do that before I consolidated, then when I began to question and talk about my coworker the line went dead. And this was after a XXXX hour wait. 

I called back and waited again. This time the representative was nicer and put the request in. I was told it would be XXXX weeks. When the XXXX weeks came close I called back with my coworker to verify it had been sent. That representative assured both of us it was sent to the treasury, but that the timeline was now XXXX business days. 

Last week was XXXX business days. We called back again, together to verify the request. This representative now told us that It probably didnt get sent to the treasury because we dont qualify. This representative fumbled along trying to direct us to the studentaid.gov website, but couldnt answer our questions. 

Yesterday my loan on studentaid.gov was zeroed out with an affective date of XX/XX/22. My request was made on XX/XX/22, and my XXXX form was not signed or uploaded until XX/XX/22. 

The rules to XXXX refunds made eligible by the Cares XXXX keep changing per these MOHELA representatives. And, now convienently my loan has been forgiven with a date prior to my actual submission. 

Im seeking help with COVID refund payments that I was promised through MOHELA and assured that it was processing with the treasury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed a complaint with this office on XX/XX/XXXX in reference to a case brought by Wachovia Bank National Association to XXXX XXXX XXXX XXXX. Wachovia Bank was supposed to respond with a solution to these issues within 30 days and no action was taken by this institution. This noneexistent company was pursuing this case with a fictitious name cancelled and using a " Lost Note Affidavit ''. Wachovia Bank N.A. merged with Wells Fargo Bank on XX/XX/XXXX under Federal Approval effective XX/XX/XXXX. Wachovia Bank XXXX. cancelled their fictitious name registration Wachovia Bank can not do business or maintain a lawsuit in any court unless it is represented by Wells Fargo Bank as " successor by merger ''. Wachovia Bank XXXX. was violating the Florida Statute XXXX, the Federal Rule of Civil Procedure ( Rule XXXX ) and the Florida Rule of Civil Procedure XXXX. 
The response given by Wells Fargo Bank on XX/XX/XXXX on the CFPB case number XXXX did not solve the issues presented by XXXX XXXX XXXX XXXX this complaint. XXXX XXXX XXXX contacted the Comptroller of the Currency Office on XX/XX/XXXX in response to the letter sent by Wells Fargo Bank on XX/XX/XXXX ( documents previously provided to OCC ). Wells Fargo Bank falsely represented to this Office that these issues were resolved on XX/XX/XXXX and that XXXX XXXX XXXX did not respond to their letter. Wachovia Bank N.A. does not legally exist since XX/XX/XXXX and they filed a foreclosure deficiency lawsuit on XX/XX/XXXX against XXXX XXXX XXXX using a " LOST NOTE AFFIDAVIT '' stamped in XXXX XXXX, Florida. Wachovia Bank is violating what they agreed in the National Foreclosure Settlement with the goverment and the 50 attorneys general. Wachovia Bank is violating the Florida Statute 865.09, the Federal Rule of Civil Procedure ( Rule 9 ) and the Florida Rule of Civil Procedure 1.120. Furthermore three actions of fraud were practiced against XXXX XXXX XXXX in XXXX since Wachovia Bank filed this case in XXXX XXXX. At this point in time the damages for XXXX XXXX XXXX are greater since this nonexistent company forced him to file Bankruptcy with a defective case and causing to this family an uncalculated financial crash. XXXX XXXX XXXX was XXXX on XX/XX/XXXX and Wachovia Bank continues with the lawsuit active in the XXXX XXXX XXXX XXXX ( Case Number XXXX NC ). Wachovia Bank was supposed to dismiss their defective case upon the discharge. XXXX XXXX XXXX asks to this office for HELP since Wachovia Bank XXXX. abused this family when they foreclosed our home in XXXX and now continues violating the law with this case. Furthermore XXXX actions of fraud were practiced against XXXX XXXX XXXX since XXXX filed this case in XXXX XXXX. Thank you for your attencion to this matter. 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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, we had reservations to stay at the XXXXXXXX XXXX XXXX XXXX. Upon arriving at the XXXX XXXX, they had XXXX room left, which smells like bleach and the plumbing did not work properly. We informed the staff they provide us with a plunger and the drain still did not work properly. We decided to go to another XXXX location the XXXX XXXX ( {$320.00} ) in XXXX XXXXXXXX XXXX due to almost all hotels were booked. 

It was late when we arrived at the XXXX XXXX. When we woke up in the morning, we noticed that the room did not have the accommodations that XXXX said they provided and the bathroom lights do not work. Upon leaving we left our charge. We called back within about an hour or XXXX to be informed that our charger was not in the room which we know we left. 

The following week we called the XXXX to inform them of our experience, and was advised that the case will be open. We requested to have half of our money refunded to us based on the quality of service that we received. We never received the case number, any additional information pertaining to our complaint, therefore I filed a dispute with Wells Fargo. I provided Wells Fargo all the above information. I was informed on Friday of last week that my dispute was denied. I was informed by the representative that we stay there, and that I will not be refunded for the stay. I found the Wells Fargo agent that I did not want to complete refund because we did actually stay there. We only requested half of our stay based on the quality of service. The agent for me at the time that they thought that the dispute was for the full amount, and that they will escalate that the prior agent did not notate that the dispute was for the quality of service and not a full refund. The the agent, apologize and stated that that was on them, and they XXXX need to eat the cost and provide me the funds from a dispute. Today I receive a call from XXXX and XXXX informed me that I stayed at the XXXX XXXX and I will not be receiving a refund due to that this is against Visas policies. I informed them both that I was not advised of this information on none of the calls when I filed my dispute or when I received a call last week for my dispute to be escalated. I am not in agreement with these findings and not happy that I was misinformed by multiple agents at Wells Fargo. I would like to receive a refund and amount of a half of a cost to stay at XXXX XXXX due I was misinformed by XXXX XXXX agent multiple times and I spend multiple minutes and hours on the phone with a dispute that would not be honored. This information should have been provided to me on the first phone call.

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 2022-12-21 00:00:00
Product: Credit card or prepaid 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: Chime Financial Inc
State: FL

Complaint narrative:
I was a victim of credit card fraud where purchases were not made by me. My cell phone was stolen on XXXX. XXXX. I was trying to find my phone but was unable to. After 24 hours of no phone I went to go get another one. After I got my phone and loaded the apps on my phone I noticed 5 fraudulent charges on my credit builder account. They were date and time stamped on my account for XXXX at XXXX XXXX  and XX/XX/XXXX at XXXX. These were the following charges. XXXX, {$1500.00} / XXXX  XXXX  {$1500.00}, XXXX XXXX XXXX XXXX  for {$5200.00}, XXXX  XXXX for XXXX and XXXX for {$1000.00}. after 5 days the bank denied my dispute. I was able to reopen the dispute and I also emailed for documentation for why my dispute was denied. they said that it would be 10 business days before I got the information. I need this money to help with bills and I am 100 % honest that I did not make these purchases as all my bank accounts were victim to these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo indicated loan was on deferment, then reinstated it without telling our son. As a co-borrower, XXXX payments were listed as late and this has effected credit rating. When my son found out the loan was reinstated, he tried to pay, but their electronic system was down, and they issued another late payment on our 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