vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX Wells Fargo Customer remediation, XXXX XXXX Iowa Sent a check XXXX XX/XX/XXXX Wells Fargo Customer Remediation XXXX These checks were made out to my deceased Parents who originated the purchase loan from Wells Fargo 28 years ago. Upon My Parents death I became a Successor to the XXXX loans in XXXX. 

The checks should have been issued to my name however it wasn't and I have been working with the Wells Fargo remediation tirelessly to since XXXX ( 3 months! ) to have these checks rightfully re-issued in my name. 

These funds are to be used to pay the amount in default on my parents loan. The mortgage has now gone into default over the last 3 months of these funds being held bye Wells Fargo.

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 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: XOOM CORPORATION
State: NY

Complaint narrative:
My Xoom account has been hacked and an unauthorized amount is drawn from my linked bank account. The hacker initiated a transfer from my Xoom account on XX/XX/2023, XXXXXXXX XXXX XXXX  When I saw the transaction email from Xoom in the morning, I immediately ( at XXXX XXXX ), I notified them via email that this transaction is a hack and asked for their help ( case # XXXX ). I think the case number is generated automatically and Xoom never contacted me about the Fraud complaint. I was trying to reach them over the phone to take immediate action to prevent the fraud, but it took many attempts and finally talked to their customer service department to stop taking money from my bank account. They did not stop the transaction although although I complain the immidiately about the hack. I was panicked but Xoom did not take the fraud seriously and they took my money from bank account on XX/XX/XXXX. I did not receive any response from Xoom about the fraud so far. I think the whole Xoom service is a fraud, and they are not taking the hacking seriously!!!! Hope this is not happening to another consumer. Xoom should immediately fix their system so the hacker can not break their system to steal money from other consumer money. Xoom should return my money immediately and I'm asking CFPB to please investigate this hack ASAP to prevent this to happen to another consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
The response letter and statement sent to me via Registered Mail dated XX/XX/2023 is not sufficient evidence to prove validation requirements. Also noticeable was there was no notice of right to dispute on Bridgecrest response as well as sensitive account information was sent via Registered Mail displaying symbolism on envelope in an attempt to collect a debt which violate privacy laws. This is different violation concerning not statement on letter Right to Dispute

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I dont know how I got all these declined my identity was stolen and that the reason why I have all these things in my credit and I want to remove them I didnt make any of them I only have one bank account I just open and that through XXXX that all

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 2023-10-12 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: GA

Complaint narrative:
You are currently showing balances over my credit limit on these accounts but the accounts are paid in full. Please update this asap as this incorrect information is preventing me from getting a mortgage. 

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

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 2023-10-12 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Per the federal guidelines, anyone whose XXXX plan is up for income recertification in the first 6 months will not need to recertify for an additional year. Nelnet representatives have told me that the servicer is refusing to honor these guidelines and is forcing me to recertify my income by XX/XX/XXXX. My date with XXXX is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: CA

Complaint narrative:
I have reach out to TransUnion, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXX XXXX 1st letter XX/XX/2023 and then XXXX XXXX XXXXer XXXX with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. XXXX XXXX XXXX XXXX 1st letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. XXXX XXXX XXXX 1st letter XX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. XXXX XXXX 1st letter XX/XX/2023 and filed a dispute through Transunion. 
Other accounts were removed do to the identity theft but these additional have not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX never received a first payment when credit card was open has different name and address. 
XXXX XXXX had a different name, address and was not able to find my account information with my correct information till I provided to them in the first letter. 
XXXX had a different name and address and was remove from XXXX but not from Transunion. 
XXXX XXXX was sold to another lender and had a different name and address as well. 
XXXX has also been contacted regarding Hard inquiries that I did not authorized and I have sent them a letter and filed a dispute on line and I have not been able to get them removed. They also have different addresses and name. I requested additional information but the only response I get its that the it belongs to me. 
XXXX and XXXX that I have not requested credit.

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 2023-10-12 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: GA

Complaint narrative:
I received an updated credit report on XXXX. Upon reviewing my report I found some negative and inaccurate information on my credit report. I sent multiple letters off on XX/XX/2023 asking for these accounts and my report to be investigated and updated via certified letters and after 90 days they still had not removed or updated the accounts. I then sent out more letters in XXXX, asking for a re-investigation and for inaccurate and unverified accounts to be removed. I don't know if the credit bureaus are working on their jobs, or just blatantly refusing to obey the FCRA, but this is a complete violation of my rights as a consumer. I am by law entitled to a complete and accurate consumer report, and ALL information on my credit report MUST be COMPLETE & ACCURATE. After receiving a new and updated report, I noticed that most of my information is a complete violation of 15 USC 1681 and the credit bureaus have not followed the procedures required by law. I would like this information removed from my credit report immediately. It's clear the investigation took longer than 90 days, or never took place at all. I just want to know how these accounts are verified, updated or accurate if the information is still showing up this way. Please resolve this issue for me. 

Tracking Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Experian- 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

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 2023-10-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I recieved a letter from I.C. Systems Inc. claiming to be a collection agency XX/XX/XXXX. I never owed XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX ) XX/XX/XXXX as claimed. I went to the gym to start a membership however they charged my credit card without my knowledge, I disputed with my credit card and the charge was removed. I never recieved any other information regarding this transaction and never went back to the gym. This is a fradulent claim that I owe {$530.00}. The owner of the gym is dishonest trying to take advantage of people looking into gym meberships.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has promotional offers for money or points back on their website. On XX/XX/XXXX I noticed, and added, a Chase promotion for up to XXXX {$50.00} in statement credits for paying my XXXX XXXX XXXX  bill via my Chase account. After adding the promotion on XX/XX/XXXX I made a payment for {$50.00} ( the minimum for the promotional credit ) and Chase automatically applied the {$50.00} credit on XX/XX/XXXX. I then went onto make a second payment for {$50.00} on XX/XX/XXXX and they have failed to apply the advertised promotional credit over 2 months later. 

I have followed-up over XXXX times with Chase via their secure website messaging application and over XXXX separate XXXX hour phone calls where they refuse to do anything except send a message to their marketing department to apply the credit. They have told me it would take XXXX weeks and now XXXX weeks later the problem remains unresolved. 

The promotion was clearly added to the account and active given the automatic credit provided on XX/XX/XXXX and yet they fail to have any follow-up and or resolution despite

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XXXX XXXX my money market account was hacked by a scammer and then again on XX/XX/23 I thought I was talking to the Capital One Fraud department since I was transferred when I called the number on the back of my credit card to report the fraud. It was an elaborate scan which I did not realize until the money was gone. I since have reported the fraud to the local police, the FBI, the DOJ, the Secret Service, the SSA, XXXX, plus all the credit bureaus. Capital One only tells me " its being investigated '' but this has been going on for over a month and the DOJ suggested that I contact the CFPB. The account is supposed to be insured by the FDIC and there should be protection against innocent people who get scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: AZ

Complaint narrative:
In XX/XX/2023, I applied for the SAVE Income-Driven Repayment Program on Aidvantage 's website to see if I could save money on my monthly payments. There is no other to determine how much my payment would be without applying. On XX/XX/XXXX, I received an email from Aidvantage informing me that I'd been accepted, enrolled, and that my new monthly payment was nearly double what I had been paying previously, due XX/XX/XXXX. While the literature provided by Aidvantage says that I can un-enroll at any time, there are no instructions given for how to do this. I attempted to call their customer service twice on XX/XX/XXXX ( they were not taking calls on XX/XX/XXXX due to XXXX XXXX ), only to give up after waiting on hold for an hour. Their availability times for calls are extremely inconvenient for my timezone ( XXXX XXXX ), and my emails have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-10-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-10-12 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Ability XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX 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 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 2023-10-12 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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I am HSBC US users. At the end of XXXX, I found that I couldn't log in to the account. HSBC customer service told me that the account was closed within 60 days, but I could not provide a reason.I am a XXXX, I suspect that HSBC is in XXXX  discrimination, forcible my account without any reasonable reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Date Assigned : XX/XX/23 Amount Owed : {$1800.00} never did any business with this collection agency, Im being extorted and scammed Ive never had any business with them or signed a contract. I never gave any third party to report anything against me either or information. I dont know who this company is and this information is erroneous. I want these items removed off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Resurgent Capital is literally resurging debts that have been cleared. This is the second time in 2 years they attempted to collect on debts that were dismissed in a XXXX over 13 years ago. They have been told this, but here we are again. They are sending letters and nonstop calling threatening lawsuits and collections. But they are trying to get paid on debts that were considered closed. Its a shady business practice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: PA

Complaint narrative:
I previously notified Experian that I found fraudulent information on my credit report. Instead of blocking the reporting of this information as instructed by congress they claim that they did an investigation and updated the information, but failed to let me know what was updated. I am entitled to review any information attached to my credit file. I want to see the name of the person that verified this information, what was updated and provided me with proof that this information came from a first-hand source that has first-hand knowledge that the account belongs to me, and that the information provided was in fact 100 % accurate. If this can not be provided, please remove the named accounts immediately! 15 days should be enough time to get this done.

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