vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Well, I was accused of going in to accusing back account, and trying to steal. Back in XX/XX/ XXXX i do not recall going into XXXX XXXX Account. I am asking Well Fargo to please tell me when I was suppose to had done this. I am not going to stop until I get Well Fargo to answer. 

Wells Fargo said they did not know what I was talking about, but they did tell the truth. See Wells Fargo Letter.

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 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XX/XX/ I made a transfer from my XXXX XXXX to my Robinhood account. Transaction amount below {$2000.00} {$2000.00} It arrived my Robinhood account and ever since I haven't had access to my funds, I spoke with Robinhood several times and provided every information they needed and they still wouldn't allow me access my funds.

I'm asking for help for immediate access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Kindly examine the attached documents and initiate an inquiry into accounts reporting me as late, despite my timely payments.

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 2023-11-10 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX Made a {$22000.00} deposit into savings account at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The banker told me as this was XXXX XXXX that I would be getting a higher interest rate of 4 plus percent for 3 months. Which I did not receive. 
On XXXX XXXX I went into the branch and XXXX XXXX XXXX that I had only received the standard percentage rate. XXXX filed complaint ID XXXXXXXX  in my behalf. Several days went by and I received a call from XXXX complaint department Wells Fargo. I tried calling back but the extension XXXX left XXXX was an invalid extension. Extensions at Wells Fargo are only 5 digits. XXXX closed my complaint without resolution. On XX/XX/XXXX I spoke to XXXX XXXX XXXX  she issued a new complaint. I asked that the new complaint be given to someone other than XXXX as he does not provide a valid call back number. Again it was XXXX that called me on XXXX  and left the same invalid extension on voicemail. When you cant reach XXXX back he closes your complaint case without resolution.. why does Wells Fargo make all these roadblocks?? I finally after several attempts was able yo track down XXXXXXXX XXXX  said for me to wait for his callback on Monday and be sure to pick up the call I told him you cant expect people to wait by their phones all day. I asked him for a valid extension for him.. he said that that has been an issue for a long time with people unable to reach him. Finally when I asked for his boss XXXX said I could try extension XXXX what was this game XXXX was playing? I asked to speak with his manager he told me that his manager XXXX was not available. XXXX spelt XXXX for me. I called another associate XXXX and asked to speak with XXXX and my call was disconnected. I finally called again and got XXXX .. XXXX XXXX XXXX XXXX not available but would call me back! When XXXX called back I reported that XXXX was leaving complaint callers a bogus extension and I received no response from XXXX that that would be rectified. So to date Wells Fargo had not paid me the interest money they owe me and they are giving clients misleading contact information so that they can close complaints without resolution please help me with this situation.. I have already started yo pull money from my Wells Fargo accounts to put in another bank .. Wells Fargos tactics are deceptive to say the least.

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 2023-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
In XXXX of this year, I requested and was denied a loan through NetCredit. I am not disputing being denied a loan then or a recent application in XXXX XXXX. 

On the site there is an option to be removed from partner solicitation and the submit button is faulty, I asked for more information on how to be removed from partner solicitation. When I pressed the submit button it ask for a second step that was not available on the website- it asked to complete a recaptcha option that was not listed anywhere on the website. 

Additionally, I went on the website and attempted to remove my personal information including my bank account details. The website posted the phone number to change bank information. When I called the number, I was instructed that it was impossible to remove the personal bank account information from the website. 

As I was uncomfortable having my personal banking information on the website, I asked for my entire account to be closed and they outright refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the documents provided. I request the bureau to investigate the accounts reporting me as late, despite my consistent punctuality.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: First Technology Federal Credit Union
State: MD

Complaint narrative:
The credit card XXXX XXXX XXXX XXXX XXXX. A consumer credit transaction in 15 USC 1691 defines Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit. Application number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a Capital One customer for quite sometime using their Venture Rewards card which advertises points earned which can be transferred to Frequent flyer programs. Recently I wanted to transfer to a program which I have transferred to many times. I needed a last minute plane ticket and this would save me {$500.00}. The website wanted to send me a SMS for verification. It would NOT send the SMS. I was asked to call. I talked for two hours to many incompetent people. Nobody knew what to do. One person told me that you can not transfer. your points, and only turn them into a measly bill credit. It was very frustrating. At the end of the day I have no way to redeem the points I earned. Capital One customer service is useless and outsourced to people who read a script. I would like to of course cancel my card as I can not trust my finances with such a useless bank. I am left with a point balance I want to use as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/ I filed a complaint with CFPB that all my credit information has been blocked by Experian I said they are blackmailing me to pay them to build my credit even though I have had 20 different loans and credit cards over 27 years all with perfect history never missing a payment 100 % pay on time platinum level XXXX score!!! 

Experian has now allowed my credit accounts to be seen again but they are still blocking my score i was XXXX score and they telling me to pay them XXXXXXXX XXXX  a month to report my rent and utilities this in know way is legal or descriptive of my payment history like the XXXX I have borrowed and payed back without missing a single payment to a XXXX XXXX XXXX  over a term of 27 years!!! 

Experian says because I payed my account balances off none of this counts anymore plus Experian is now blocking me from buying a house because all three scores are needed to get a mortgage I am demanding my XXXX score be returned 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 2023-11-10 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: MO

Complaint narrative:
I applied for the income-driven repayment SAVE repayment plan through the studentaid.gov website on XX/XX/XXXX, the same day I applied for PSLF with my employer information. When I applied, it was estimated I would owe XXXX XXXXXXXX on the SAVE plan due to my previous tax information. At the time, my loan servicer was XXXX, who I have never had issues with. I then received notification my loans were being transferred to MOHELA. I began receiving different billing statements from MOHELA, one stating I owed {$350.00} on XX/XX/XXXX, and another stating I owed upwards of {$850.00} in XXXX of XXXX. I reapplied for SAVE on XX/XX/XXXX and XX/XX/XXXX after contacting studentaid.gov and being told they did not have any information and I would need to reach out to MOHELA. I was unable to contact MOHELA. I waited on hold for hours before having to hang up due to working. I sent an email and received notification back that I would hear back in two business days, but weeks later I still have not received a response. Finally, I called and waited on hold for upwards of two hours on XX/XX/XXXX and spoke to a MOHELA rep who told me my initial SAVE application from XXXX was probably " lost in the transfer '' and that it was good I resubmitted a SAVE application on XX/XX/XXXX. This rep told me it would only take 5-7 business days to process my SAVE application and I would not have to pay any of the payments I was billed for in XXXX. After XXXX business days went by with no notifications, I called and sat on hold with MOHELA for three hours to be told that it would actually take 90 days to process my SAVE application and I was already being auto-debited in the mean time for the {$350.00} bill. I asked if there was any way this could be cancelled due to this being an error on the part of MOHELA, and I was told that they didn't know. As a XXXX XXXX new out of XXXX school, this payment is not realistic for me. I feel as though MOHELA can not give me clear answers as to what happened to my original SAVE application and I am told conflicting information each time I call. Their mistakes are costing me money I do not have and I need clarification on where my loans are at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning incorrect addresses on my credit record. This information does not belong to me. I need this fraudulent information removed 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 non-monetary relief
Consumer complaint received 2023-11-10 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: OR

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent rounds of letters but they do not take any action about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: OH

Complaint narrative:
Notice for Proof of Claim Account : -XXXX # XXXX, XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of in debtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: OH

Complaint narrative:
Notice for Proof of Claim Account : -XXXX # XXXX, -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of in debtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Examine the attached documents. Initiate an investigation into the accounts that are incorrectly reporting me as late, even though I am never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I applied to finance a XXXX XXXX XXXX XXXX on XX/XX/XXXX through XXXX XXXX XXXX. Ally financial obtained a copy of my credit report and per the dealership it was denied due to Ally financial requiring a significant amount of money for a down payment or a co-signer. However, the amount required for down payment was not specified. When I contacted Ally Financial and spoke with XXXX with employee ID : XXXX to obtain terms or reason for denial she informed me she nor Ally Financial can provide me the requested information but it can be obtained from the dealership. I am still without a vehicle and not given required stipulations such as down payment amount and or terms.

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