vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I live in XXXX and headed down to XXXX for the weekend. The only money I took with me for the road and to be over their was my debt card. Being over their i would be checking my account through the app because I would see how much money would be charged when I used the card at a store because obviously the money charge is different over their. When ever it was time to come back I went to the gas station to pump gas. When I was trying to use the machine outside it said declined. So I opened my account but it didn't say anything like if i did some transactions so I closed the app. What i mean by it didn't ask if i did those transactions because usually when the bank notices a unusual transaction it notifies me. So i went in to the store and it declined as well so i opened the app again and nothing. I went outside and checked my account to see what was going on. That time when I opened it it notified me of some unusual transactions. A company deposited in my account a total of {$5100.00} or so and then was removing all the money in parts. As in they kept depositing {$420.00} until they reached that amount then was removing the money in amounts of {$420.00}. Obviously I wasn't aware of it until that moment. But I couldn't say put that I didn't allow the transaction or else they would block my card and I wasn't going to have a way to go back home if that was the only card I had with me. So I said yes I was aware of the transactions and well the next day I called the bank because they didn't just removed their money but mine as well. And know the bank doesn't want to help me unless I have proof that I didn't do those transactions. But I have no way of proving that because I don't even knw what that company is about.

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 2022-03-29 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: FL

Complaint narrative:
There is fraud related accounts that is reporting on my credit file. I have sent in a FTC report to all three credit bureaus more than 30 days ago and none of them took the proper action. Yet, those incorrect fraud accounts are still reporting on my credit report. This is violating. Instead of them removing the fraudently accounts due to me being a victim of identity theft they stated those accounts are verified. This is incorrect. I need those accounts deleted immediately from 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 2022-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I file a Complaint with Wells Fargo related to a XXXX transaction for {$600.00}. The transaction date was XX/XX/22. The transaction was sent to the wrong email address. I reported this by phone to Wells Fargo on XX/XX/22. They stated they would begin an investigation of the transaction at that time. I have claim number with Wells Fargo that I can provide to you. Wells Fargo sent a a letter on XX/XX/22 that they were still investigating and would follow up, but they have not. On XX/XX/22 I called to request that Wells Fargo send me information they are using in their " research ''. I was told this could take longer than 30 days, but I may hear from Wells Fargo on their own initiative at some point.

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative inaccurate information reported by Experian in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX XXXX with a wrong account number XXXX and challenge the accuracy, compliance and reportability of this listing. Please validate this information with Experian and provide me with copies of any documentation associated with this account, bearing my signature. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. 

I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2022-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Hello- Apparently you ran an escrow analysis on XX/XX/XXXX but a copy has not been received by me via mail or email. I logged into my online account today, XX/XX/XXXX, and only see the XXXX XXXX available. 

I then called on XX/XX/XXXX and the 1st female agent was unhelpful and said it was " provided to me on XX/XX/XXXX '' but not mailed until XX/XX/XXXX. I advised her that made no sense bc nothing was provided on XX/XX/XXXX, and if it was mailed on XX/XX/XXXX, I havent received it yet. She then acted like I was putting her out by requesting it, and said she would email it to me. I said okay.. and hung up. a few mins later I received her email and it only included the XXXX XXXX in error, and not the XXXX XXXX. 

I called back and spoke with a male agent on XX/XX/XXXX, and he said he would email it to me.. same thing.. he emailed the XXXX XXXX, not the XXXX XXXX. I made him stay on the line, and then he told me that actually the XXXX XXXX had not generated and it wouldnt generate until XX/XX/XXXX. 

If an XXXX was ran on XX/XX/XXXX, why would it take until XX/XX/XXXX to generate? Why isnt the XXXX XXXX uploaded online as of XX/XX/XXXX for viewing to support the new monthly payment amount I'm being charged? 

PLEASE PROVIDE A COPY OF THE XXXX XXXX, and mark the errors against yourselves for all concerns mentioned above ... misinfo, delay in providing statements etc.. Please pull and review the calls.

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 2022-03-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, has 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 a account without my written instructions.

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 2022-03-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA

Complaint narrative:
Bayview MXXXX included {$3600.00} payment over to me to pay for a mistake on they behalf. Transferred to Community Loan applied for Modification for 6 months my mortgage is only {$560.00} they increased my mortgage 8600.00. Transferred to XXXX XXXX XXXX. I the process my fixed interest rates has change which my payment has also change. I purchase my house XX/XX/2000 in the amount t of {$54000.00} I refinance one time received {$16000.00}. The amount has Increased with each on the two Mortgage companies listed above Bayview and Community I know something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have been having trouble paying my private student loan with Navient latley for 2 reasons. 1. ) I lost my job in XXXX due to FMLA and did not have an income. 2. ) Navient has a variable interst rate on my loan an keeps changing it so that any payments I make on the principal are null. 

The issue occured on XX/XX/22, When I recieved a call from navient referencing the previous week when I had negoiated a lower interest rate on one of my 2 private loans. Navient said so or I could avoid default on one of my loans. According to the agent navient made a mistake in processing and scheduloing and the wrong loan fwas altered with a lower interest rate, and Navient also applied my payment to the wrong acccount. I recieved a phone call from an agent on XX/XX/22 demanding that I pay additional money and reauthorize my agreement and pay again. When I asked for this error and new repayment plan in writting the agent refused to provide me with any documentation and demanded more funds. I then told her that her hostile tone and agressiveness were in appropriate and that she is no longer allowd to communicate with me citting FCRA. She ignored my request and then providied me false information about my loans and rebuffed the validity of the FCRA. The call ended with her threatening my fincial wellbeing. 

This behavior is consistant with the predatory and illegal practices Navient has been practicingfor years. Not only does this loan create an unreasonable burden because of the variable interest rate. I have recieved years worth of threats and misinformation about my loans. Besides resolving this issue particular, I would like to obtain " a right to sue endorssment '' against Navient I have been illegally minipulated, lied to and been defrauded by navient for over 10 years and this illegal and immoral behavior must end!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have received several correspondences from Well Fargo including a Checking Account Statement. I did not apply for, or authorize Wells Fargo to open an account in my name. All information on the account, specifically my Social Security Number, Drivers License Number and Birth Date were correct. The only incorrect information was the expiry date on my driver 's license. This leads me to suspect that either Wells Fargo or a complicit third party illegally obtained my identification 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 2022-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NM

Complaint narrative:
I am a student loan borrower that is eligible for the Public Service Loan Forgiveness Program ( PSLF ), with loans serviced thought FedLoan. I will have been working in public service through a 501 ( c ) entity for 10 full years at full time in XX/XX/2022. As payment counts are being updated through the PSLF waiver and expanded TEPSLF program, dozens upon dozens of people have been reporting online that many of their hardship forbearance or deferment months when no payments were made have been included in their updated counts and are either bringing them closer to having their loans forgiven or are already having their loans forgiven. On the other hand, many ( myself included ) are hearing from FedLoan that those forbearance months DO NOT count and have not had them applied to our official qualifying payments. I have been documenting each instance of the opposite happening - of borrowers having zero payment months under forbearance or hardship counting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I want to make a complaint regarding Prosper.com. This loan company is applying all my payments to interest and claims that it is due to the COVID-19 pause that I took advantage of in 2021. Since then, they will not tell me how much interest is due even though I am paying them back regular installments since XXXX. Also I have tried to call multiple times to see when I can expect to have the interest paid off and they will not provide a response. All I want to know is when I can expect to see all the back interest paid off.

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting this debt as an open acct on my credit bureaus but the acct was charged off in XXXX. This company is also still charging interest on a charged off acct and also reporting this account as a mortgage account when it's actually a home improvement loan. I have called and talked to XXXX XXXX in XXXX, XXXX and I also in XXXX and my last attempt to settle this debt was in XX/XX/XXXX and also XX/XX/XXXX. I offered to settle the account for 50 % of the debt. This company is continuously reporting on the account and charging more interest which I know is illegal to keep charging interest on a charged off debt. I have notified XXXX, Trans Union and XXXX about the inaccurate information and the company claims this is accurate information. This company should get penalize for trying to deliberately destroying a person 's credit.The original contract was 60 months but they're reporting I'm 69 months delinquent. Every month still reporting

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