vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Im in the XXXX XXXX XXXX XXXX. My loans are with XXXX  and I just received a letter from Nelnet saying I owe an additional {$50000.00}. I only owe $ XXXX for my XXXX university loans, and those loans are being discharged. I do not owe {$120000.00} total for student loans. I have never received anything from Nelnet before regarding student loans. I never heard of Nelnet and I received a letter on XX/XX/24 from them regarding this. This is not correct. First, Im in the lawsuit, my loans are on forbearance and I dont have to pay anything but Nelnet is demanding money. 2nd, Nelnet is not my loan servicer. I called my loan servicer which is edfinancial and they confirmed that I only owe {$70000.00}. I called edfinancial today XX/XX/24. They dont know why Nelnet is saying I owe them. We both are clueless regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NH

Complaint narrative:
XX/XX/XXXX I paid {$100.00} at XXXX XXXX for a Vanilla gift card. The money was scammed out of the card before I received it. The card could not be used upon arrival. I called the company on XX/XX/XXXX. Per company I wrote out a complaint and received another Vanilla gift card with XXXX balance on XX/XX/XXXX. The company said on XX/XX/XXXX when I called again, the money will be uploaded. On XX/XX/XXXX I asked for a supervisor as still no money was added to the new replacement card. He told me I would have the {$100.00} added to the replacement card in 2 to 3 business days. It's XX/XX/XXXX and still no {$100.00} Vanilla gift card. It's important to note my original gift card was given to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX tel XXXX given to her as gift. She gave card back when it wouldn't work and I gave her cash. The replacement card came to me who was the purchaser. They may have some info under her but always acknowledge the money {$100.00} will come to me and has not and has NOT gone to her either. I have " empty '' balance replacement card mailed to me at my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
NewRez LLC took over management of my mortgage from XXXX XXXX XXXX in XXXX of XXXX. I had auto debit set up with XXXX from the start and never had any problems. The auto debit process transferred to NewRez LLC with no problems and remained that way ever since. 

Then on XX/XX/XXXX NewRez LLC has sent an email notification that I am delinquent on my monthly mortgage payment of {$1000.00}. They followed up with a USPS letter received XX/XX/XXXX. 

I sent an email on XX/XX/XXXX requesting clarifications on the delinquent payment notification. I have never received a reply. I have continually tried to call them via the phone number they provide ( XXXX ) and I get the error message " your call can not be completed at this time, please try again later ''. In the meantime, they continue to take money from my account to cover my mortgage. This feels like a scam and I'm questioning the legitimacy of this company. Are they attempting to pad their revenue with bogus collections?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We have now had to deal with this account twice. XXXX XXXX sold this debt to XXXX XXXX at which time we did a pay for delete through XXXX and the account was satisfied ( we have documentation of this ). XXXX XXXX removed it from my credit in XXXX and then reapplied it to my credit in XXXX, even though they had sold the debt to XXXX and no longer owned the debt at all. It is still appearing on my credit which the account was initially from XXXX ( so an XXXX year old charge off ). We launched an investigation with XXXX XXXX and the representative I worked with ( XXXX ) even stated that there was an error with this account and they were working on it. We were later informed that they decided the information is correct even with the pay for delete letter we sent them. No actual explanation as to how they came to this decision. We would like this item removed permanently from my credit as soon as possible as this is impacting my credit and messing with my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Subject : Complaint Against Chime for Unresolved Unauthorized Transaction Dispute Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chime regarding an unresolved dispute for an unauthorized transaction.

I noticed an unauthorized transaction of {$510.00} on my Chime account. Acting promptly, I filed a dispute with Chime, providing all the necessary details and documentation to support my claim. The dispute deadline was set for XX/XX/XXXX. 

Regrettably, as of today 's date, XX/XX/XXXX, my dispute remains unresolved, and Chime has not provided any updates or resolution regarding this matter. I have diligently contacted Chime through their customer support channels, including phone and email, seeking assistance in resolving the unauthorized transaction. Unfortunately, I have not received satisfactory responses, and the funds in question have not been credited back to my account as well as they have improperly closed my account. 

This prolonged delay in resolving the dispute is causing financial distress and frustration on my part. I believe that Chime 's failure to address and rectify this matter in a timely manner is in violation of consumer protection regulations. 

I kindly request the Consumer Financial Protection Bureau to investigate this issue and take appropriate action against Chime for their failure to resolve the unauthorized transaction dispute within the stipulated timeframe as well as erroneously closing my account. Additionally, I seek your assistance in ensuring that Chime promptly refunds the disputed amount and provides a clear and transparent explanation for the delay. 

I'm willing to provide copies of relevant documentation, including my dispute filing, communications with Chime, and any other supporting evidence. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address and resolve this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
THis is a TRIPLE AAA FALSE FRAUDULENT CONTRACT for the VERY SIMPLE FACTS that MY XXXX XXXX WAS DESTROYED WHILE PARKED ON A XXXX XXXX @ XXXX XXXX XXXX XXXX CA. XXXX BEGINNING OF XX/XX/2021 XXXX XXXX XXXX POLICY WAS PRE -PAID FOR XXXX  MONTHS UP TO XX/XX/2021 I NEVER RECEIVED THE REIMBURSEMENT FOR XXXX  MONTHS OF THE PRE PAID CAR INSURANCE XXXX XXXX  STILL OWED I STILL HAVEN'T RECEIVED THE RENT REIMBURSEMENT FROM XX/XX/2021 FOR {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR THE DEDUCTIBLE THAT XXXX XXXX XXXX FROM THE CAR OWNER INSURANCE POLICE L.A.P.D WAS CALLED AND POLICE THE L.A.P.D OFFICERS WROTE EVERYTHING BECAUSE MY CAR GOT DESTROYED WHILE PARKED. THE PHOTOS OF MY DESTROYED CAR ARE AT THE XXXX XXXX AND I EVEN HIGHERED ATTORNEY MOMBASSER TO DEAL WITH XXXX XXXX SHENANIGANS BECAUSE THEY WERE TRYING TO PAY FOR A RIDICOULOUS AMOUNT OF MONEYS. THESE ARE TRUE FACTS AND I HAVE ALL RECORDS AND PHOTOS TO PROVED THAT THIS IS A FRAUD AND I'M APPALLED THAT XXXX XXXX HAVE THE AUDACITY TO TRYING A {$250.00} SCAM THE CONTRACT PROVIDED BY AWA COLLECTION AND XXXX XXXX PRESENTED A FALSE AUTO COVERAGE CONTRACT BECAUSE I HAD NOT CAR OR XXXX XXXX  INSURANCE SINCE THE DEVASTATING ACCIDENT IN XX/XX/2021 MY INSURANCE END IT AND XXXX XXXX OWED ME MONEY 'S AND IS TIME TO PAY ME AFTER XXXX  YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Credit furnishers and creditors keep stating the fraudulent accounts were verified, but if my identity was stolen than they have my personal information. I sent them my complete and accurate Identity Theft report, IRS identity theft Affidavit someone filed taxes under my name and a copy of the police report document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Look, this needs attention, this XXXX XXXX I guess lends money to buy cars or whatever private, I got into it with them years after I found that he, XXXX & ex wife borrowed but they used MY name, used our joint account even though we were in a legal battle & I was living overseas XXXX. Its reprehensible that this is even on my bureau let alone buried where nobody can find it. I They told me they sold it and don't know who, didn't have proof it was me, they certainly didn't use my signature, I was not even in the XXXX... 

The date is wrong, it was in XXXX not XXXX and he stopped paying on it XX/XX/XXXX not 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 non-monetary relief
Consumer complaint received 2024-01-29 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I'm in process of applying for mortgage and a co-op purchase, and the mortgage lender and the co-op board have requested a copy of a financial statement for my CD account at BMO Bank N.A., as a part of my asset verification process. 

The statement was not readily available at the website, so I have contacted the customer service for some type of statement, verification of deposit, or any documentation that verifies my current balance and maturity date. However, BMO is unable to accommodate this simple request, so I can not make further progress on my mortgage/home purchase unless I close the account early and pay the early penalty so I can transfer the funds to another bank account where a statement can be readily produced. My mortgage lender says they should be able to provide some type of documentation, like even a quarterly statement, but BMO would refuse to provide this simple document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, There's a collection account that's on my profile and it was deleted in 2022. Now it shows on my credit report again. according to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and they reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand they delete these items from my credit file or I will seek litigation. 

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
XXXX XXXX XXXX XXXX # XXXX Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: MA

Complaint narrative:
I am writing to bring to your attention an issue I am facing with TransUnion concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information, and to date, they have not responded. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the inaccurate information and required corrections are outlined below : The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Original Creditor : COLLECTION Please remove it from my credit report The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Type : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Please remove it from my credit report. 

The following account is not mine : Type : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Please remove it from my credit report. 

The following account was never late : Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$330000.00} Please remove the late payment. 

The following account was never late : Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Please correct/update this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX Wells Fargo transferred servicing of my mortgage twice and then claimed it had " no interest '' in my mortgage. I complained to CPFB at the time that this was an effort by and between Wells Fargo ( a well documented criminal organization ) Loan Servicing and XXXXXXXX XXXX XXXX to steal the equity I had built in the house by falsely claiming I had missed a payment, charging late fees and putting my loan in delinquencey and attempting a foreclosure. They failed but the damage to me was done in that I was charged extra at closing to sell the house based on the criminal falsehood that I had missed a payment ( your file should contain copies of proofs of payment from my bank sent certified to these companies ). So I paid extra ( was robbed ) at closing in XX/XX/2020 and had my credit ruined for like three years. 

Now I have in hand an admission from Wells Fargo in the form of a {$200.00} check ( No. XXXX ) that arrived with no explanation dated XXXX. The memo says cryptically " For XXXX XXXXXXXX ''. Please note " XXXX '' was the street address of the mortgaged property. Why would WF send me a check for {$200.00} some 3 years after it asserts in writing in your files that it " no longer had any interest '' in the mortgage? 

This has to be an admission to some past crime or other violation of my rights I tried to have vindicated back then. I am not accepting {$200.00} is settlement of their violations. Please investigate and advise what this check is supposed to represent. I will hold the check as evidence until my questions are answered ( along with the follow up letter from WF a month later urging me to cash the check. Thank you. 

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 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION
State: CT

Complaint narrative:
I received a lower homeowners insurance quote from XXXX XXXX, I've been attempting to switch from my current company, XXXX XXXX, however, the information including binder sent from XXXX has not been replied to, no payment sent so new policy can not go into effect. A total of two binders have been sent thus far according to XXXX, rep with XXXX XXXX, no reply to either. I am attempting to switch before next mortgage payment due on XX/XX/XXXX, my mortgage company, Amerisave, does not appear to cooperate. I need payment issued ASAP for new policy

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Please help me I purchased a XXXX XXXX XXXX from American Car Center in XXXX. After Purchasing the vehicle they went out of business. Westlake Portofolio took over all there accounts. I am set up for automatic payment my payments are drafted from my bank account. On XX/XX/XXXX a payment was drafted in the amount of XXXX On the XXXX of XXXX my car was ilegally repossed. I called the tag off and found out the car is still titled in American Financial name. I called West Lake Portofolio and asked they give me my car back they are saying I have been paying monthly when I am set up on bi weekly they claim I owe them XXXX when they claim I am 140 days past due with my account I went on the app WestLake Portofolio logged into my account it is showing on there app I am indeed set up on automatic payment bi weekly so they ilegally took my car. I have been having to pay XXXX to get back and forth to work

Company response to consumer: Closed with explanation