vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The company is reporting XXXX accounts for student loans twice. I called and spoke with XXXX today at XXXX XXXX. XXXX was able to identify me and got access to my account with a one-time access code XXXX before ending the call. As I spoke with the rep she placed me on hold after I mentioned that what they were doing was against the law she hung up the call to a survey in which I completed. I called immediately back and spoke with XXXX who I asked to be transferred to a supervisor. I was then transferred to XXXX ID # XXXX per the last supervisor of my calls today. XXXX refused to give me an identifier for documentation purposes. I spoke with XXXX at XXXX XXXX and he stated that I was not able to be authenticated and he could not proceed. I asked how was that possible if XXXX was just in my account before she terminated the call? He got frustrated and requested that I send in information and I refused as it was just validated. I requested to speak with his superior which happened to be his teammate that he was Instant messaging while I was on the call before the transfer. I was then transferred to XXXX ID # XXXX  ( which I believe are all fake identifiers ) who then repeated word for word what XXXX told me and tried to avoid assisting with the information I was calling about. He was in consistent contact via XXXX with XXXX unwilling to assist as I hear the typing on the call. I just like to have all the accounts removed for inaccurate reporting as by law they are to report accurately and they fail to do so. I have sent verifying information on a few occasions. As I am protected by consumer law it is my right to request this removal as they have failed to validate information nor send requested information regarding this information. I did also mention the recording of the call on my end as well for validation purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I opened a secured credit card with XXXX XXXX  and paid an {$800.00} deposit, which became my opening balance. I used the card for minimal purchases and made timely payments. I used my card at a gas station, where I believe my credit card information was compromised after seeing a series of charges for purchase I did not make. I disputed the fraudulent charges when I learned of them. In the meantime, XXXX XXXX  did not take any steps to ensure my information was not being disseminated and used. XXXX XXXX  also made the unilateral decision to close the card because I was the victim of identity theft and fraudulent charges were occurring. This card was opened to help me XXXX XXXX and in the end it made it worse. They closed the card which resulted in a declined XXXX XXXX because the account was only months old. And they reported late payments when payments were never late. When I learned of the negative reporting history I contacted discover card. I was told that they no longer keep records after 2 years and they could not provide me with a copy of the records nor could they pull up any records related to this account in their internal system. However, I did have copies of all of my statements and attached them to each my dispute with Experian. Experian opened my dispute and submitted it to XXXX XXXX. The results were unchanged and XXXX XXXX  reported that the negative history was accurate on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Most recently a dispute was opened on XX/XX/XXXX at around XXXX, by the next morning the dispute was completed and against XXXX XXXX  XXXX reported to have responded to my dispute, verifying the negative history as accurate despite not having any records to provide or reference. When I called XXXX bank on XX/XX/XXXX to ask about this and speak to someone who could provide information as to their process for responded to credit report disputes. I was told there is no one that I can speak to. XXXX XXXX  should be ashamed that they continue to be adamant on ruining someones credit history without any proof. This is a violation of my rights under the fair credit reporting act. They are causing harm to me. If the CFPB is unable to assist in resolution, I will be commencing litigation against this deceitful bank.

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 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was informed by XXXX that a credit card application was filed in my name in XX/XX/2022. Also, I received a notification that there was a change of address in my name to an address in XXXX where I have never lived. I discovered that the credit card that was open was an account with Bank of America for XXXX XXXX when I was attempting to contact Merrill Lynch about other accounts. I contacted Bank of America in XX/XX/2022 and told them that I had never opened the credit card. Initially they filed it as being a credit card that I had open but that someone had stolen the number. They then kept the account open. 

I only discovered this because I didnt feel comfortable with my interaction with the person I spoke with at Bank of America and decided to call Bank of America again a few days later. That is when I discovered that they had left the account open and were going to send me a new credit card. I informed them that I never opened this account, I do not want this card and that this was fraud. They then told me they would cancel the account. I subsequently contacted the credit bureaus and put a fraud alert on my accounts for XXXX year. 

However, I am still seeing this account open on my credit report with the balance of debt affecting my credit score. I believe the credit balance is over {$2000.00}. However, since the person who fraudulently created this account changed the address to an address in XXXX, I have never received a single statement. 

I also recently saw from XXXX that someone had tried to open a XXXX XXXX credit card in my name. In XX/XX/2022. This also was not me and I fear that this inquiry has affected my credit score as well.

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 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I Applied Online with a Website that Found a Lender I Could Borrow With, I Was Immediately Approved for an {$1100.00} Loan, However I " Wasn't '' Made Aware While Online Or Even When Someone Reached out To Me Via a phone call Telling Me he Was Calling Me from Lend u mo and Went Over Details of the Loan, and he Sent Me Loan Documents to Sign he said, 'But '' I Was " Never '' Made Aware While Online and During the phone call that " Lend u Mo '' Is a XXXX  American XXXX  Or that The APR Would be as Exorbitantly High As It Is Also!!!!!! Had I Been Made Aware that the {$1100.00} Loan I Was Approved for Would Result In My Repaying Lend u Mo {$5000.00}, I Would Had " Immediately '' Had Canceled the Loan. I'm Aware that My Credit File Isn't Great Or Even Good " But '' To Be Taken Advantage Of " Because '' Of this Is Wholly Unfair and Deceitful!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2023-01-27 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: OH

Complaint narrative:
XXXX XXXX opened an account to a name and address different than mine. This was fraud. I filled out everything that they needed and the account was eventually removed off my credit. XXXX then send the account to another debt collector a year later. XXXX did not remove the fraudulent account from their system, as they should have. I disputed the collection with Experian and XXXX. XXXX removed the account in 3 days. Experian said the " Verified and Validated '' that the debt was mine. Which is of course impossible, since it's not. They said they asked the debt collector if the debt was mine, they said it was, so that is good enough for them. That defies any logic and is not the definition of Verified or Validation. A sad excuse for an investigation. They have my SS number, so verifying my address history would not be hard. Despicable that a company in charge of your Credit score could be so negligent. They also hung up on me when I spoke to them and voiced my disappointment with their process.

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 2023-01-27 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 XXXX XXXX Bank 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 2023-01-27 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 XXXX Bank 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 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX an insurance claim had to be filed due to water damage caused by the dishwasher. When the insurance claim was filed, the mortgage was being serviced by XXXX XXXX XXXX XXXX and was in a current status. 

As of XX/XX/XXXX the loan servicing was transferred to Mr. Cooper. Prior to the service transfer an insurance claim settlement had been approved and a check was issued dated XX/XX/XXXX. The check was made payable to us ( borrowers ), a third party adjuster, and the lender ( XXXX XXXX Mortgage ). 

Due to the loan being transferred to Mr. Cooper on XX/XX/XXXX the insurance company had to re-issue a new check to reflect the new lender. 

The insurance company re-sent a new check, dated XX/XX/XXXX and made payable to us ( the borrowers ) and lender ( Nationstar ). 

On XX/XX/XXXX I contacted Mr. Cooper to obtain instructions on how to send and obtain the lenders endorsement. I was transferred to the insurance/loss draft department and was told that an escalation needed to be opened due to the loan being serviced by a previous servicer when the claim was initially opened. Additionally, I was told that the previous servicing file/loan history could not be reviewed in their system. 

XX/XX/XXXX, follow-up phone call was made to Mr. Cooper. I was told the request was still being reviewed by the legal department because of the loan being previously serviced by another company. I was again told that the prior servicing history could not be viewed. When I asked the agent why, he basically told me that their system had not yet been updated and said that in a perfect world it should be. 

At this point I do not understand why it is so difficult to get instructions on how to send a check to get endorsed and feel as though this company is in violation of the servicing rule regarding mortgage transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
XX/XX/XXXX, a collection agency representing XXXX XXXXXXXX XXXX placed a judgement against me for {$3100.00} plus interest. XX/XX/XXXX, they garnished my wages for this debt from a job I had to leave in XXXX. I hadn't heard from them again until today when I got a summons to appear in court XX/XX/XXXX, for this same debt. They are placing a lien on my property. The parties involved currently are Gamache & Meyers, PC Attorneys At Law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no further info provided ) I have never been able to afford an attorney to help me with this. I can't do so now. This is NOT my debt. I did NOT have this credit card. I tried for years previously on my own to get a contract or proof I owed this debt, and they've never given me anything. This has to be some kind of fraud or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase is mishandling two disputes of {$100.00} from XX/XX/2022 for a Provider [ Dentist XXXX XXXX ] that has a history of documented consumer complaints. These charges need to be removed from my Chase Freedom XXXX XXXX XXXX XXXX. There could be possibly be a conflict of interest. I submitted documents to support my dispute but Chase simply held the dispute for some time and disregarded the evidence. The disputes were made because I paid in advance for XXXX but eventually cancelled because after doing more investigation it was determined that he damaged other client 's teeth including my mother 's. The first deposit was placed on the Chase card but the rest was paid with a different card. XXXX has a policy which allows for refunds for services not rendered. In addition I am submitting evidence from XXXX showing that XXXX offered the Provider a refund as long as he issued me a refund. The Provider took advantage of XXXX 's lack of authority as they stated to enforce a refund. I also provided to Chase on prior occasions emails where I asked the Provider for a refund and I informed him of the horrible work he did on my mother 's case but he ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
They never responded within 30 days and it's still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have send several letters to Trans Union credit about a bankruptcy on my credit report I havent received any response on how they received was able to obtain 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 non-monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
Hello, I recently received forgiveness of my student loans through PSLF. My loans should have been forgiven years ago. When I consolidated in XXXX, it was a person over the phone who consolidated over 20 loans. I expected my loans to be forgiven after I met my obligation and was told I did not consolidate correctly. The government did my consolidation ( over the phone- before you could go online to do it yourself ). So, I was a candidate for XXXX. After a fair amount of difficulty, I finally got the letter last week indicating forgiveness. Yay! After all of these years as a public servant. 

The problem is I overpaid by 32 payments and they will not refund my overpayments once again because of rules they made up. So some people will get it all back, others none. Also, I paid {$2000.00} through the XXXX until XX/XX/XXXX when I launched this application and realized it was likely to go through this time. I expected I would get the money back through XXXX. I reached out to their servicer, Mohela, today. They will no longer consider giving me my money back now because they have XXXX my loans. Whereas before they XXXX my loans, they " may '' have returned it ( I paid from XXXX XXXX XXXX so yeah, entitled to a refund ). 

Every step of the way, this has been a dishonest, difficult process lacking in transparency. Seems pretty clear to me. XXXX payments. Refund people. Stop the madnessXXXX XXXX  was signed into law. Pay people back who paid through that period. 
I am actively pursuing legal support at this point. It's not okay, and it needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I would like to report Santander Consumer USA unfair and deceptive practices. They have participated in illegal repossession, Reporting a charge-off on my credit but told me it was not a charge-off, Fraudulent loans, and failure to comply with and disclose Truth in Lending Disclosures. I have reached out to them requesting documentary evidence. I have sustained damages from what they put me through and have struggled tremendously due to their actions. I am also requesting that they send me documentary evidence in accordance with 15 USC 44 which reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate records, and without all of those the error is unable to be resolved to clarify what I believe to be a billing error of the finance charge. I have also filed a complaint with the Attorney General and will be moving forward with arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Doyle & Hoefs, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX and Doyle & Hoefs , LLC, without notice, filed a lawsuit against me in a state where I do not live and repeatedly contacted me to collect money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I called Wells Fargo Bank, NA on XX/XX/2023 to determine how I could add my children as " payees on death ''/ beneficiaries to my checking account. They stated that they require me to visit a branch to add my children as POD. However, I opened this account online and I live hundreds of miles from the nearest Wells Fargo branch. I requested that they mail paperwork and I could even get my signature notarized. However, they would not provide me with that option. I believe this is a violation of XXXX and other banking laws as well as XXXX XXXX XXXXXXXX XXXX. This policy would require me to spend XXXX XXXX XXXX in gas and hotel fees to make a simple change to my account. 

I would like to add that I have dealt with XXXX other financial institutions about this issue. I have either been able to add my children as beneficiaries/PODs to my accounts online, or they have mailed me paperwork to sign. Wells Fargo is the only bank that has been unwilling to provide me with such an accommodation.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Unable to download or access my annual credit report from XXXX and XXXX. for federal law enforcement investigation into mill fraud also identity theft. XX/XX/2023 there's a different issue with XXXX. i've also consistently tried to upload the pertinent information to make a just determination and this matter to be to my astonishment what was uploaded was nothing even though it shows File was uploaded.

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