vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My federal student loans were consolidated in XX/XX/XXXX. I applied for the SAVE plan at the same time. My first loan payment was made via auto debit in XX/XX/XXXX. The second payment was made via auto debit in XX/XX/XXXX. When I logged in to my account XX/XX/XXXX, it showed that I had no payment due and my loan had a {$0.00}. The only records I could see were for my old, unconsolidated loans. Obviously those showed {$0.00} balances because they had all been transferred to a single new loan. That new loan is missing from my account. When I called my servicer, Nelnet, they were not able to locate my consolidated loan. I was told they needed to look into this on their end, but that I was due a refund and no further funds would be withdrawn from my bank account via autodebit until this was sorted out. Funds were withdrawn from my bank account in the amount of my automatic payment on XX/XX/XXXX. In addition to this issue, I have also received a 1098E stating I paid over {$30000.00} in student loan interest last year. I did not pay more than {$2500.00}. I now have a bigger tax issue to sort out. Beyond extreme negligence, this is having a major impact on me financially and causing undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: GA

Complaint narrative:
My XXXX, Transunion and XXXX reports show ( XXXX ) address that are incorrect : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-09 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: GA

Complaint narrative:
My XXXX, XXXX and Equifax reports show ( XXXX ) address that are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX 2024

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 2024-02-09 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: VA

Complaint narrative:
This is not my information i request that it be removed asap. I disputed it and they did not remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: VA

Complaint narrative:
This is not my information i request that it be removed asap. I disputed it and they did not remove it 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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

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 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Subject : Complaint of XXXX Practices and Mismanagement of Funds I am writing to formally raise a complaint regarding an issue that has arisen from the handling of a certified check issued by Wachovia Bank, before its acquisition by Wells Fargo. This complaint concerns the disappearance of funds and the subsequent lack of proper documentation or evidence regarding the escheatment of these funds to the XXXX XXXX XXXX XXXX Unclaimed Property Department. 

Incident Description : Date of Original Transaction : XX/XX/2008 Amount : {$7100.00} Actions Taken by Me : After noticing that the certified check had not been honored, I initiated contact with Wells Fargo to inquire about the status of the funds associated with this check. I was informed that the branch in question was unable to negotiate the check and that an investigation would be launched to determine the whereabouts of the funds. 
Actions Taken by the Company : The Executive Office ( EO ) of Wells Fargo conducted research and subsequently informed me that due to the age of the item, the funds were allegedly escheated to the unclaimed property department of the state/territory of purchase. I was advised to contact XXXX XXXX XXXX at ( XXXX ) XXXX, XXXX XXXX XXXX at ( XXXX ) XXXX, or the unclaimed property department of the state where the cashier 's check was supposedly escheated to recover the funds. 

Concerns and Allegations : Despite following the instructions provided by the Executive Office, there is no record or evidence of the funds being escheated to the XXXX XXXX XXXX XXXX Unclaimed Property Department. This lack of documentation and the inability to trace the funds through the state 's unclaimed property records suggest that the funds XXXX have been improperly co-mingled with the bank 's assets, rather than being appropriately segregated and escheated as claimed. 

The absence of a verifiable record of escheatment to the XXXX XXXX XXXX raises serious concerns about the integrity of the bank 's processes for handling unclaimed funds and customer assets. It suggests a potential cover-up for the commingling of customer funds with those of the bank, constituting XXXX  practices and a breach of fiduciary duty. 

XXXX XXXX : I am seeking a thorough investigation into the whereabouts of the funds associated with the certified check issued by Wachovia Bank, and if it is determined that the funds were not properly escheated, I demand that the funds be returned to me, along with any accrued interest, as compensation for the financial loss and inconvenience caused by these actions. 

I trust that this matter will be taken seriously and addressed promptly to rectify the situation and uphold the integrity of banking practices. 
I have documents that contain personal 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 2024-02-09 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: VA

Complaint narrative:
I am writing to officially contest several hard inquiries that have recently appeared on my credit report, as provided by your agency. Upon careful examination of my credit history, I have identified specific hard inquiries that I believe are inaccurate and request their prompt removal.

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 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was on a deferment prior to restarting my education in XXXX. I was unaware that starting my education would change my deferment status with XXXX and received no notification at that time or when I stopped school for family and health issues. I received no notification from XXXX once I stopped school that my loans would be restarting. I attempted to purchase a home and discovered that my credit score was tanked by XXXX points because XXXX reported my loans as late for 30, 60, 90, 120, and 180 days. I have 2 groups of loans with XXXX totaling 5 loans. I was under then impression that I had 1 loan with XXXX because all prior notification from XXXX indicated that it was a single payment for my loan amount and included just the full balance owed. It was not until I received the 25 dings on my credit report when I attempted to purchase a house did I realize that it was 5 separate loans. I contacted XXXX who confirmed that they had an incorrect address, this address they had was never an address I lived at nor was I on any lease for. They denied having the ability to correct the report to the 3 reporting agencies and advised that I file a dispute. I filed the dispute, but XXXX denied any wrong doing or reporting so the dispute was closed.

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 2024-02-09 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: CA

Complaint narrative:
I was on a deferment prior to restarting my education in XXXX. I was unaware that starting my education would change my deferment status with XXXX and received no notification at that time or when I stopped school for family and health issues. I received no notification from XXXX once I stopped school that my loans would be restarting. I attempted to purchase a home and discovered that my credit score was tanked by XXXX points because XXXX reported my loans as late for 30, 60, 90, 120, and 180 days. I have 2 groups of loans with XXXX totaling 5 loans. I was under then impression that I had 1 loan with XXXX because all prior notification from XXXX indicated that it was a single payment for my loan amount and included just the full balance owed. It was not until I received the 25 dings on my credit report when I attempted to purchase a house did I realize that it was 5 separate loans. I contacted XXXX who confirmed that they had an incorrect address, this address they had was never an address I lived at nor was I on any lease for. They denied having the ability to correct the report to the 3 reporting agencies and advised that I file a dispute. I filed the dispute, but XXXX denied any wrong doing or reporting so the dispute was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
I was on a deferment prior to restarting my education in XXXX. I was unaware that starting my education would change my deferment status with XXXX and received no notification at that time or when I stopped school for family and health issues. I received no notification from XXXX once I stopped school that my loans would be restarting. I attempted to purchase a home and discovered that my credit score was tanked by XXXX points because XXXX reported my loans as late for 30, 60, 90, 120, and 180 days. I have 2 groups of loans with XXXX totaling 5 loans. I was under then impression that I had 1 loan with XXXX because all prior notification from XXXX indicated that it was a single payment for my loan amount and included just the full balance owed. It was not until I received the 25 dings on my credit report when I attempted to purchase a house did I realize that it was 5 separate loans. I contacted XXXX who confirmed that they had an incorrect address, this address they had was never an address I lived at nor was I on any lease for. They denied having the ability to correct the report to the 3 reporting agencies and advised that I file a dispute. I filed the dispute, but XXXX denied any wrong doing or reporting so the dispute was closed.

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
Talked to customer service worker about Target red card payment on manage red card. Pay half of payment customer service worker said payment app worked payed other half of payment on app called Target manage Red card. All of this to buy something small keep card from being cancelled. Get notice 3 months later that I'm late. Now have notice on credit history and score fell. I worker on accounts let pay for the card didn't charge late fee said wouldn't be on credit history. Would like charge taken off credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Theyre not allowed to report income in student loans. Its against the law to report transaction history from a student loan under the law 16 cfr 313.7 and 16 cfr 432.2 and the Educational and Privacy Act 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: LA

Complaint narrative:
XXXX XXXX ran a Hard Inquiry without my consent XX/XX/. I tried contacting them to remove it, as well as TransUnion unsuccessfully. I have a a XXXX XXXX for over 2 years, and I didn't require another inquiry because I didn't apply for more XXXX  XXXX 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 2024-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was approved by Service Finance Co, LLC for solar panels and back-up battery. I was promised in writing {$11000.00} in tax credit would be applied to the loan balance that would maintain my monthly payments at {$130.00} currently deducted from my checking account each month. On XX/XX/XXXX I was notified that my loan payment had increased by {$52.00}, is now delinquent and now in collection even though they are deducting {$130.00} from my checking account monthly. This same type of fraudulent abuse occurred when XXXX of the XXXX installment steps had not been completed and the company was harassing me to make payments 2 years ago which caused my credit score to drop from XXXX to XXXX. What can I do to protect my credit from these predators? Are there class action suits available for me to join in a fight against this.

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
On XX/XX/2024, I made a payment to my Capital One credit card # XXXX for {$180.00} to pay off the balance of the card. I continued using the card with the knowledge that I thought I now had a {$0.00} balance in the account. 

I was unaware that I accidentally used my old savings account routing and transit account number to make the payment. There wasn't a sufficient balance in that account to make the payment. As a result, the payment was declined by my bank for insufficient funds. 

After a few days, on XX/XX/XXXX, I noticed that the payment had not come out of my account, so I checked my card account. I was confused to find that my payment had been returned on XX/XX/XXXX because I thought the money was going to be taken out of my checking account. Instead of calling my bank, I tried to submit the payment again. The payment was then returned again on XX/XX/XXXX. 

On XX/XX/XXXX, I decided to try and send in a small payment ( regular payment ) to see if that would work. A couple of days later, I noticed that my card balance was above the approved limit of {$200.00} because of the returned payment ( XXXX ) and new charges. I made another {$30.00} payment to bring the balance below {$200.00}. 

On XX/XX/XXXX, I finally decided to check with my bank. It was then that I discovered that I was using the wrong account. Therefore, I went online and corrected the error and made the XXXX payments again. As of today, the balance in my card account is now {$190.00}, below the allowed limit. 

On XX/XX/XXXX, I received a letter from Capital One dated XX/XX/XXXX regarding the account stating that the account had been closed because, " activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. '' I called the number on the letter and talked with representative XXXX ( employee # XXXX ). He told me that I had to be transferred to the Fraud Department to resolve the issue, so he transferred me to XXXX ( employee # XXXX ) in the Fraud Department. XXXX told me that the account was closed automatically because the balance went above the credit card limit. Had the payments been made correctly, this would not have been an issue. 

She told me that because of the circumstances, I would be able to go online and reapply for a new secured card and it would be approved. I did that and it was declined. Although I agree that the mistake was mine, I am concerned that my account was closed without any attempts by Capital One to contact me to resolve the issue first.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: EQUIFAX, INC.
State: IL

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

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 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 response to consumer: Closed with non-monetary relief