vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: DC

Complaint narrative:
I purchased aligners through XXXX and was paying them directly until they sold my account to Westlake Portfolio Management who are servicing the loan. 

I have spoken to several ( supervisors ) who has'nt taken the time to listen to the issue. Its a group of fast talking XXXX know it all, who's task is to treat you like a criminal who refused to pay their bills. The real issue is that when they took over they did not align the technology ( ACH/ auto payments from the existing XXXX  customers ) This issue is that when westlake portfolio took over the loan, they didnt notify me by electronic means ( i had signed up for electronic commnication ) I am unable to view my account. When I login, I get an FAQ page, no account or payment details. I have called several times to complain that I can not see my account information and I urgently need to change my payment method on file. 

I keep getting the runaround. I get hung up on and have to deal with rude XXXX guys with very bad english. I Was told that it would be resolved about 2 weeks ago after calling several times. After the call today the guy ( who refused to give me his name ) provide me with a an email that contained the error of billing and said this is all we can do. This erro has caused my credit rating to drop from a XXXX to a XXXX ... ... all for a {$89.00} erroneous late notice of 30 days that i never received.

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 2023-06-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-06-28 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: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: TX

Complaint narrative:
THESE ACCOUNTS ARE NOT MY ACCOUNTS. THESE ARE FRAUDULENT ACCOUNTS PLEASE REMOVE THESE ACCOUNTS FROM 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A fraudulent mobile banking account with Bank of America was opened in my name this morning at XXXX. The account was granted by Bank of America and a debit card was issued. I have reported this issue to Bank of America and they have closed the account. This exact issue happened with Bank of America less than a year ago in XXXX of 2022. I have case numbers for both instances along with police reports. I was alerted about this fraudulent account via emails. Bank of America told me that there have been no transactions on the account at the time I reported it. As of last year, my credit has been frozen in XXXX, XXXX, XXXX, XXXX, and XXXX. This account should not have been approved based on the fact that all my data is frozen with the agencies used to verify my finances.

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 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: CITIBANK, N.A.
State: DE

Complaint narrative:
They did not credit the correct amount on my credit report continuing to report an incorrect high balance. 
They changed the High balance- {$80.00} on my credit report in XXXX, they did not include the {$4400.00} plus interest.

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 2023-06-28 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Ok I pay bank of America XXXX a month on auto pay so i never forget to pay it. its been XXXX a month I can't remember how long, but they raised the fee XXXX dollars a month. they said they sent me emails, I only received XXXX email and that said i had to pay XXXX because I haven't made a payment in 2 months making the email i opened 3 months. So, I called them up and spoke to a woman i think her name was XXXX. She was rude and told me when make the payment she will go over the acct, so I ask her for a supervisor which a guy named XXXX came on the phone. i ask him to help me and look at my acct I have never been late and if you would of called me i would of had no problem paying the extra XXXX a month. he would not help me and i have never seen a credit card company not wanting to get to the bottom of a problem. I was AL reading having problems with an old checking account that was never getting resolved. All I wanted was to know how I owed XXXX for 3 months when I was paying XXXX a month. and i wanted the later charges removed since auto pay paid it on time. I'm not receiving any help. CFPB sent my banking problem to XXXX and i was telling her about the bank of America credit card. how unprofessionally and nasty they were. she said she would look into it and get back to me. So, I still haven't heard back from her so i am filing my complaint. I received a letter in the mail today XX/XX/2023. It has my name and my husband 's name and address on it and bank of America at the top, the date, my last XXXX of my credit cards. no name who sent it, who it's from. I don't know if someone hacked my acct or my name, I will send this to you. i am taking it to a lawyer because I don't know who sent this. I'm scared bank of America gave out my info. On a letter it is supposed to have who its from and contact information. i don't know who sent this. Please help 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 monetary relief
Consumer complaint received 2023-06-28 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: M&T BANK CORPORATION
State: VA

Complaint narrative:
M & T BANK ACCOUNT # : XXXX!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 

M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. HOW DID THE CLOSED DATE CHANGE? 
THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK M & T DID THIS ON PURPOSE OUT OF SPITE TO DAMAGE MY CREDIT FILE I HAVE PROOF ON DOCUMENT!!! VIOLATIONS!!! 
XXXX & XXXX ARE FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ITS REPORTING INCOMPLETE & INACCURATELY )!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 


XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. XXXX THERE IS NO CLOSED DATE 2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX VIOLATIONS XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. CHANGED CLOSED DATE : TO XX/XX/XXXX ( HOW DID CLOSED DATE CHANGE? THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK M & T DID THIS ON PURPOSE MAJOR VIOLATION DELETE IMMEDIATELY ( M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 
XX/XX/XXXX CREDIT REPORT XXXX MAJOR VIOLATION DELETE IMMEDIATELY XX/XX/XXXX CREDIT REPORT XXXX ( M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 



2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) 6. PAYMENT FREQUENCY : MONTHLY ( EVERY MONTH ) ( SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF )

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX I completed a debt consolidation loan with one of the banks I work with ( XXXX XXXX XXXX XXXX ). They requested the ability to send cashiers checks directly to some of the creditors we were paying to which I agreed. The largest debt was an XXXX XXXX credit card issued by Commentity Bank. The balance at the time the check was sent ( XX/XX/XXXX ) was XXXX but the check was sent out for XXXX because it had not included a payment i recently made. 

According to the mail tracking the check was received on XX/XX/XXXX and the balance had not changed. On XX/XX/XXXX I noticed the check had not been credited to my account so I began calling in because I started incurring " interest charges '' of XXXX. I opened a dispute and sent them copies of the check, the delivery receipt from the mail, and included the payoff form they sent us. It has now been 2 months and I have called them dozens of times, my bank has called them dozens of times but the bottom line is they told me that I would not need to worry about making a payment while they located the check and I have that in writing. They knew I was in the middle of buying a home but I can not close until they show the account at a XXXX balance. I have also been paying on my new loan with onpoint. I work up yesterday to see that they reported me 30 days late and that dropped my credit score by over XXXX points. 

Every time i reach out to them I get someone new and the same response or a different story entirely. They will not sign the form to release the check and continue to tell me that checks can take 30 days to process and disputes can take up to 90 days to process. I am BEYOND furious at this point and need someone they will listen to and respect to intervene.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28 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: UT

Complaint narrative:
Hi I am currently a student and am having issues with Nelnet. My original loan was through Great Lakes, and it was then transferred to Nelnet ( not by any choice of mine ). At Nelnet, they had my starting repayment due date incorrect. I reached out to them about my disappointment and the inconvenience it was to me, and this was the reply I received : " Dear XXXX, Thank you for contacting Nelnet. 

This message is to verify we have received your e-mail. We have updated your email. 

This change was effective on XX/XX/XXXX. 

You are currently signed up to receive communication from Nelnet electronically. If youd like to update your method of correspondence, please log in to your Nelnet.com account, select Settings, then Manage Paperless. 

Your updated information is vital for us to help you successfully repay your loan ( s ). If any of your contact information changes, please reply to this e-mail with your new address, phone number and/or e-mail address. 

Our records reflect that all loans on your account will have its six-month grace period for loans from XXXX XXXX XXXX  XXXX XXXX XXXX The grace period will end on XX/XX/XXXX. Your first scheduled payment due on XX/XX/XXXX. 

Please note that you are responsible for paying the interest that accrued while you were in school and interest that is accruing during your grace period on any unsubsidized loans and any subsidized loans first disbursed between XX/XX/XXXX and XX/XX/XXXX. 

If you choose, you may make payments while your account is in its grace period. Any unpaid interest at the end of the grace period will be capitalized ( added to the principal balance of the loan ). For more information on how interest capitalization can affect your current balance and the amount of interest you will pay over the life of a loan, visit Nelnet.com/Interest-Capitalization. '' After going to my Nelnet account, my student loan balances were all {$0.00}. I then received a random email from XXXX XXXX that my loans were transferred with them. Nelnet did not inform me that my loans were getting transferred. There still has not been any contact from Nelnet regarding the transfers of my loans. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-06-29 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: NY

Complaint narrative:
I am un aware of this account and any of these charges. I have requested proof of said charges and validation of account and they were in able to provide them but refuse to delete this incorrect account from 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On Monday XX/XX/2023 I went to the XXXX, Pa branch for my appointment at XXXX. I needed to change my last name on my account due to marriage. Processed the name changed and XXXX minutes after leaving the branch I get an email stating my account is going to be closed do to my account being compromised/risk of identity theft. I called the loss prevention number and was told to go to branch and show id and have the banker call to verify. Banker did so and was told my account supposedly had multiple failed login attempts on mobile banking from all over and that is why my account is being closed. They put a hold on all incoming deposits but not outgoing purchases. ( Still able to make purchases until XX/XX/2023 ) the banker asked if I could just open a new account and they said no I am no longer able to be a customer do to high risk. My account worked perfectly fine with no issues up until I did my name change. I believe something was done incorrectly on Wells Fargos end. I was treated horribly by the customer service representative from loss prevention and was hung up on. I have a copy of the email as well as the summary from changing my name.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: 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 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I tried to log into my Chime account to move some money from savings into checking to purchase materials for school. I got a notification that my account had been closed and I should email XXXX 

I was sent an automated email telling me to call Chime 's support hotline. When I called, I had to wait and speak to 2 agents who told me they had no ability to fix things over the phone and I needed to email XXXX. 

I received no notifications that my account would be closed, nor have I been given a reason for why. I have no access to over {$5000.00} that was in the account and can not get a direct response from Chime. I am a college student living off of savings while I finish my studies. This means I have no money to pay rent, pay tuition, buy materials for my classes, buy food, or pay any other bills. I worked hard to save my money, and I can not survive without it.

Company response to consumer: Closed with explanation