vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a XXXX XXXX Credit Card which is serviced by Wells Fargo Bank. On my most recent statement, issued on XX/XX/2001, they charged me a minimum interest fee of {$1.00}. I have had the card for 3 years and they have never charged me a minimum interest fee ( I have maintained timely payments for three years ). I also did not receive any updated terms or conditions between this statement and previous statement so this is clearly an erroneous charge. I called the number at the back of my card on XX/XX/XXXX and spoke with XXXX and was escalated to XXXX. They claimed the fee was correct because not all of my purchases from XXXX XXXX qualified for deferred interest. But I have made multiple purchases in the past with some that qualified and some that didn't, and they have never charged a minimum interest fee. I emphasized this to them, and also the fact that they can not just suddenly charge me a fee without notice. XXXX agreed to remove the {$1.00} charge. This was a week ago and the charge remains on the account. 

I re-read the statement and it states I have to dispute the charge in writing or they may not act on it, so I am mailing out a letter to them, certified, tomorrow. I understand this is just a {$1.00} charge but if they are charging 100,000 people this arbitrary charge then they have just stolen {$100000.00} from the public. I am also concerned that if they think they can get away with a {$1.00} charge this month they may charge me more next month and expect me to just pay that too. Please do not let Wells Fargo get away with this. They deserved to be penalized to the fullest extent of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MA

Complaint narrative:
In XXXX I sent copies of an identity theft affidavit ( with a police report and FTC report ), pertinent identity documents, and updated personal information to all 50 consumer reporting companies listed on the CFPB website ( using certified mail and spending over {$200.00} ). Each letter sent also included a full-file disclosure request and an extended fraud alert request. The National Consumer Telecom and Utilities Exchange ( NCTUE ) was one of the 50 consumer reporting companies I sent a letter to. NCTUE responded with a letter ( dated XX/XX/XXXX ) notifying me that they placed an extended fraud alert and updated my file. This letter showed my updated address and correct hyphenated name. 
On XX/XX/XXXX, I placed a security freeze on my NCTUE file ( following potential bank fraud I experienced two weeks ago ). The address on the security freeze confirmation document shows my former address in New Jersey and my non-hyphenated maiden name. 
ALL DOCUMENTS AVAILABLE UPON REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Someone used my personal information to open a bank account and receive medical care. I just noticed the problem when I went to look into purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have a credit monitoring service called XXXX. I pay a monthly fee to them and they send me my fico XXXX scores for each credit bureau along with all collections, open accounts, closed accounts and hard inquiries. This updates every month for me on or around the XXXX. I noticed on XX/XX/XXXX when I got my updated credit reports from all three that Transunion had no fico score. As I begun to investigate further I saw that the information from Transunion including closed, open, hard inquiries and collections were all removed. I had two accounts that did remain, those were my two secured credit cards, XXXX XXXX and XXXX. After finding this information out I immediately called Transunion and spoke to a lady. This was on the same day. XX/XX/2021. I begun to explain to her what had happened and that I no longer had a score and the closed accounts, open accounts, collections or hard inquiries were absent. She was a bit confused and didnt really have an explanation. I hung up with her and called MY FICO. I spoke to another lady and explained everything to her and she told me she also no longer saw a score and only XXXX open accounts. She told me that this happens when accounts are too new to generate a score or you dont have enough information to report and generate a score. After hanging up with her I immediately went on Transunion.com and paid for a credit report which was XXXX dollars. I continued to check my report day after day to support my findings and to confirm what myself and MYFICO customer service told me about the report. XX/XX/2021 I went on my Transunion account to check my score once again and the accounts and all the old information popped back up without notifying me.

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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INVESTORS BANK
State: NY

Complaint narrative:
This bank doesnt get me or my concerns they have bad feedback when I give them I feel ignored why does their debit cars nit have tap pay go technology when many banks have already implemented this feature it is much nicer to have a card where you can tap their technology is old their behind with chip only insert with this pandemic they have to update their debit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have contacted XXXX to remove old items from my credit report. There are accounts from XXXX still being reported and they are well over 10 years old. My student loan accounts are only to be reported for seven and a half years however my account State back to XXXX and XXXX 9 and 10 years old and still being reported on my credit report. I want all of these removed immediately. It is preventing me from having a score high enough because the debt to income ratio is unbalanced. I realize that as a XXXX woman in this society it's harder to obtain credit and the hard work that I'm putting into improving my scores are being impeded by this incorrect and false information. Also XXXX keeps reporting XXXX credit who is not a creditor of mine and XXXX XXXX XXXX which is also an account that I do not have. I have asked for proof I have asked for validation and they have refused to give it to me. I need all of these accounts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I have contacted XXXX to remove old items from my credit report. There are accounts from XXXX still being reported and they are well over 10 years old. My student loan accounts are only to be reported for seven and a half years however my account State back to XXXX and XXXX 9 and 10 years old and still being reported on my credit report. I want all of these removed immediately. It is preventing me from having a score high enough because the debt to income ratio is unbalanced. I realize that as a XXXX woman in this society it's harder to obtain credit and the hard work that I'm putting into improving my scores are being impeded by this incorrect and false information. Also XXXX keeps reporting Midland credit who is not a creditor of mine and XXXX XXXX XXXX which is also an account that I do not have. I have asked for proof I have asked for validation and they have refused to give it to me. I need all of these accounts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/XXXX, up to now XX/XX/XXXX, XXXX no actions were taken with the company. I have been trying to get this company to do the right thing since last year. The bank keeps going with the merchant. they have been going with him from day one because he signed my name on the delivery slip and it not mind signature. I fax the bank my signature and they still went with the merchant, they also have a recording that they refuse to listen to. I have been asking them to look into this matter more and they refuse to do that as well. I don't have any of my items at my house then and still don't have them now. I needed yall to look into this matter for me deep into it because I should not have to pay for something I don't have. The fraud department at the bank won't open an investigation on this matter at hand. I try all I can do to get this right and the bank not doing anything to fix the problem at hand. This is the second complaint I did on this bank and it went nowhere at all. The bank doesn't call or write me for any information at all so all the documents I sent to them on my own and they still not doing anything. I need help with all the hope I can get. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I opened an account on Binance.us to start purchasing Crypto and they put a 10 day hold on my money to verify my bank and info, which is fine with me. Its now been 12 days and my money is still frozen and cant withdraw it. Ive searched the internet and found multiple forums with horror stories of Binance.us not releasing peoples money after the 10 day verification. Ive seen some as much as 9 months with no luck getting their money. This company has no Phone or address listed to get a hold of them but I have emailed them with no response. It says they are located in XXXX XXXX but thats all it says. Id just like my money released and thats it. Its almost fraudulent on what this company is doing to people with no way of contacting them or getting their funds. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: AR

Complaint narrative:
I received a collection letter from Online Information Services about a utility company, XXXX XXXX XXXX, in XXXX, Arkansas. I contacted the utility and was assured by the person I spoke to that the debt was for an address in XXXX and the individual was from XXXX. She verified that the last four digits of my Social Security number was not the one associated with the account in question and that the address of the individual was not at all similar to my address. The name on the account is not my name and my address is in the Eastern half of Arkansas and not even close to XXXX, Arkansas. She also did not recognize the name of the collection agency. I believe this company is gathering debt information and associating good addresses with bogus names in an effort to extort money from unsuspecting individuals. I have reported this company to the Arkansas Attorney General 's Office, as well as the XXXX County Sherriff 's Office in an effort to alert others to this scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have started this back in XXXX, where I felt that there items on my credit report that were inaccurate, the credit bureau responded and stated that the items were verified and accurate. On XX/XX/21 I sent another certified letter asking to provide me the process on how these items were verified. Its is now XX/XX/21 and I still have not received any proof. I think it's weird that it would take this long to provide proof when they sent me in writing that these items are verified. In on top of that I believe my rights are being violated, these items are definitely don't belong to me. Please help with fixing this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have started this back in XXXX, where I felt that there items on my credit report that were inaccurate, the credit bureau responded and stated that the items were verified and accurate. On XX/XX/21 I sent another certified letter asking to provide me the process on how these items were verified. Its is now XX/XX/21 and I still have not received any proof. I think it's weird that it would take this long to provide proof when they sent me in writing that these items are verified. In on top of that I believe my rights are being violated, these items are definitely don't belong to me. Please help with fixing this issue

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.

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 2021-04-28 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:
I have submitted several inaccurate information and reporting on my credit report. The issues still arises. The issues is the incorrect reporting on my credit and violating many FCRA laws. FCRA states, " FCRA violation is when a creditor posts late payments or charge offs after the debt has charged off a past due balance. According to the reporting account is shown charged off in XX/XX/XXXX which is completely inaccurate. Inaccurate information that a CRA reports as accurate has to be removed under FCRA if the said information is to be inaccurate. This is the case. My records reflect that the aforementioned account was opened on XX/XX/XXXX. On XX/XX/XXXX, XXXX placed your account with XXXX XXXX XXXX XXXX ( XXXX ). This did not accurately relfect the information that Experian and XXXX considered to be accurate on my report and thus FCRA violation require 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 explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
XXXX XXXX uses XXXX XXXX to process their payments. My payments, principal, interest, taxes and insurance are XXXX a month. However, in XXXX of 2021 my payment was XXXX which raised an alarm because it is automatically debited from my account. I have contacted them several times. They come up with this line of hoopla that my taxes and insurance have risen, which is a complete lie. I have proof from insurance and tax records that this company is stealing extra claiming it is needed for escrow. They need to be investigated further. I have gotten the rudest people and nothing but continuous loops with non existent customer service. Go to find out this company has numerous complaints regarding extra funds taken out, when they shouldn't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE 9 UNAUTHORIZED INQUIRIES ON MY TRANSUNION REPORT. I NOTICED THEM AND REACHED OUT TO THEM AND THE INQUIRIES ARE STILL THERE.

THIS IS THE LIST OF INQUIRIES : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/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 2021-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I have contacted Fedloan Servicing repeatedly about my students loans as they are miscalculating my PSLF payments. I have spent hours on the phone and emailing, but I get contradictory information and they still refuse to answer basic questions or track my payments accurately. I worked for a qualifying employer from XXXX. I made payments on my loans during this time. I submitted an Employment Certification Form ( EFC ) twice to Fedloan Servicing. They lost the first form, and I had to speak to a manager to get them to look at the second form. At first, they claimed I consolidated in XXXX, so payments in XXXX wouldn't qualify. Now they claim I was not on an eligible repayment plan, but they can not tell me what plan I was on, and I was on a qualifying plan ( either income-based or standard ). I went to graduate school, graduated, and then worked for a qualifying employer from XXXXpresent. I want my prior payments counted by a high level supervisor like before. I want them to check to see what repayment plan I was on from XXXX. They were not my loan servicer then, which is probably why they are doing such a terrible job tracking payments and repayment information from that time, but that does not excuse robbing me of credit for four and a half years of payments.

Company response to consumer: Closed with explanation