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: 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:
From XXXX until today, I have been reaching out to no avail with Equifax. I don't get a response back in the mail, nothing has been investigated and I'm still being hindered for inaccurate info on my report!

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: Other features, terms, or problems — Privacy issues
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
MAJOR SAFETY AND PRIVACY FLAW FOR CREDIT CARDS IF USING ONLINE BANKING THROUGH BMO!!! BMO Harris allows the option to update settings ( including address ) to your account online. Under that account is housed both debit and credit cards. Despite being able to update statement preferences ( paperless, etc. ), for BOTH debit and credit cards under the account, you CAN NOT update addresses to credit cards online. That would be fine EXCEPT this is not indicated ANYWHERE and not even a lot of employees know this ( and it is misleading that you can change other preferences regarding the credit card statements ). In XXXX or XXXX of XXXX, I updated my account address online ( not under the specific debit or credit card, but the whole thing ). My debit card address updated but my credit card did not. This means that my credit card statement was sent to an prior address for the person there to read what I bought and where I bought it, and had other private information in my statement. On XX/XX/XXXX I found out about this problem and contacted BMO Harris, where I spoke to 3 separate employees. The first two staff members at BMO had no idea why this was happening to me, and told me that it was all fixed in their system ( they looked up my account via my SSN, not debit number or anything, so you would think my credit card would also appear. ) Not a single staff member had any sympathy for the fact that they sent my personal, private information to someone else. At first, I was just told that that " Well why don't you just try going paperless online, since you aren't getting them sent to you anyway. '' since they didn't know what to do ( the only reason I was not getting them anyway was because they were sending them to the wrong person -- a place that I left and moved far from! ) It took several transfers for someone to know that credit cards were not updated online. How on Earth is a customer supposed to know this until it is too late and their privacy has already been violated and safety potentially compromised. Again, not a single person had any care about this, and without actions greater than calling customer service, BMO will not be changing their online system to include a disclaimer because they simply do not care about consumers ' privacy, or even safety. I strongly hope that change is made, because including a simple statement that credit card addresses are not updated ( while other preferences for statements are ) would be very easy to do, would solve the problem entirely, and would protect consumers ' privacy and safety. As is, BMO is causing potentially dangerous/abusive situations to be enflamed by incorrectly sending personal information on purchases ( which often indicates a person 's new location ).

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft and fraudulent account openings since XXXX  no matter what try to do it keeps happening.

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 — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
On XX/XX/2023, I submitted a payment to Navient to be processed on XX/XX/2023. On XX/XX/2023, I received a receipt from Navient that stated the following : " XXXX, I'd be more than happy to assist you regarding payments received for your student loan account. 
Payments in the amounts of {$210.00} and {$360.00} were received XX/XX/2023 and both were applied to loan XXXX. 
Best Regards, XXXX, Loan Servicing Specialist Your loan servicer Your loans are serviced by Navient Solutions , LLC ( NMLS # XXXX ). 
ref : XXXX : ref '' I spoke with Navient today and they claim that these payments were actually not applied. When they asked me to verify my identity, I gave them my current address which they claim to not have as my current address. They claim their records show an address where I lived XXXX  years ago despite me having received mail from them at my current address as recently as XX/XX/2023.

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 status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX had a XXXX XXXX a few years Back. My credit went from building up my score with a XXXX XXXX XXXX  account. To XXXX XXXX XXXX XXXX XXXX credit cards taken out in my name. I dispute the inaccurate information on my reports.everything was going good until XXXX got hacked and a bunch of us got hacke d and now my credit is back to XXXXXXXX XXXX 
XXXX needs to fix all of this instead of just giving me XXXX on a claim.

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: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One N.A. closed my savings account, without tell the primary holder on the account and to this day has not told me whom had contacted them to do so. They are not giving me any copies of dates or all the checks that they wrote out, or where all the checks went to ( addresses ). Apparently the checks got returned to them because they didn't send them to the addresses on file. The account is still open and I had put a lock on the account back in XXXXXXXX XXXX XXXX Why won't they release this information to the primary account holder. I have contacted them XXXX times since XX/XX/XXXX now all they are saying is the account is closed, not true. 
Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Can we please reopen Case : XXXX? 

Wells Fargo claimed they would work directly with my attorney. I gave them two weeks and they have done nothing. When I came back, the claim was closed. Can we reopen? Thank you so much and I apologize, I did not realize it would close without my response. 

I have reached out to XXXX XXXX and XXXX XXXX several times over the past years and have received ( 5 ) letters saying Wells Fargo will respond and nothing happens. 

Thanks again for all of your help. My families life and home is in play and we have been so stressed and eager to resolve this for two years now. 

Kind Regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/ I was a victim of a fraud scam. The attached FTC fraud report provides the details. I transmitted XXXX transactions via Venmo ( {$1200.00} and {$1100.00} ) to a fake bail bond front. Once I learned the thing was a scam I called Venmo and disputed both transactions. I have been back and forth with Venmo regarding these disputes. They have been denied on several occasions on the basis they never received information that they needed to process the dispute on their end. There has been some hope in this- on XXXX  Venmo did refund me the amount of the larger dispute ( {$1200.00} ). However, the {$1100.00} amount has still not been returned after repeated attempts of contacting them and providing them the same information over again. The {$1100.00} dispute in question is XXXX. 

I will attached related documentation.

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the Fair credit Reporting Act the creditor XXXX XXXX XXXX XXXX and creditor XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states that i have the right to privacy. Under 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency connot furnish an account without my written instructions. Under 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove all inaccuracies and update my credit profile

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed this back in XXXX and haven't heard back from Equifax until yesterday, I also disputed with XXXX. Equifax continues to mail XXXX XXXX XXXX, And my name is XXXX XXXX no middle initial. I was told to be exact on your name. And my name is XXXX XXXX15.US Code 1681 E ( b ). 15.US Code 1681 ( 5 ) ( a ) Accuracy. 15. US Code 1681i ( 5 ) ( B ), Reinsertion of deleted items.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i am the ongoing victim of cyber  stalking, hacking, harrassment, identity theft, benefit fraud, real estate fraud, trust fraud, XXXX fraud, bank fraud these companies were listed on my XXXX credit report ( i have never heard of these, never applied, or gave my ssn, or recieved, they are all fraudulent ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX experian says there is a credit freeze my ssn is XXXX, i have tried to unfreeze it, it wont work, i can not access money or employment to survive

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed properly using the us mail and uploading every id document ever requested. I have been ran into circles, stall tactics and dead ends. 
I am always connected to a foreign customer service agent that is unable to help me, this is ruining my life. I need help, these credit reporting agencies are unresponsive and unhelpful and violating my rights

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: 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: MI

Complaint narrative:
I have disputed properly using the us mail and uploading every id document ever requested. I have been ran into circles, stall tactics and dead ends. 
I am always connected to a XXXX XXXX XXXX agent that is unable to help me, this is ruining my life. I need help, these credit reporting agencies are unresponsive and unhelpful and violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: OH

Complaint narrative:
Republic finance sent me a loan before school started in the mail. I did not apply for a loan and I was not looking for a loan. Due to how hard it is to pay for school I took the loan. Due to school I am not able to make payments. Most school loans allow you to make payments after you graduate and make a better income. I feel this company was predatory. I make between XXXX to XXXX a year but, I barely work because I need my grades to be high in order to graduate on time.I attempted to make a low payment online but am not able to. Now they plan to take me to court even though I could make smaller payments like {$25.00} a month or they could wait until I graduate like most actual student loans that students acquire do. This was predatory lending because they know I am in school and have a hard time and may not be able to pay it back.

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: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
XX/XX/22 - CareCredit XXXX Synchrony Bank ) card for a medical procedure totaling {$5500.00}. 

XX/XX/22 - Paid {$170.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged late fee of {$30.00} even though payment was made on XX/XX/22. 

XX/XX/22 - Paid {$430.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged late fee of {$41.00} even though payment was made on XX/XX/22. 

XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged {$2.00} minimum interest charge on the late fees. 

XX/XX/22 - Was charged late fee of {$41.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged {$2.00} minimum interest charge on the late fees. 

XX/XX/22 - Called to inquire about late and interest fees. Spoke to XXXX, who explained that even though we paid ahead of the XXXX and more than the minimum, the payments occurred within the " billing statement period '' and that payments should be made after the XXXX or so and before the XXXX to meet the XXXX pay date. 

I explained that I was not aware and asked if the fees could be removed. 

She authorized the XX/XX/22 late fee of {$41.00} to be removed, but could only do one in a 12-month span. 

I asked about getting supervisor approval and she said that she would inquire. 

XX/XX/22 - Received a " past due '' notice from CareCredit. 

XX/XX/22 - Called to inquire. Do not recall who I spoke to. Asked about this notice AND about the supervisor decision from XX/XX/22. She noted that I had called, but I again was told about the one late fee removal in 12-month span. No other fees were removed. 

XX/XX/22 - Made payment of {$300.00} so late fee would not be charged.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 View full 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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I hate that I have money in my account and when they say overdraft fee they over charge and been taking a lot of my money.

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received a call from Bank of America to verify purchases of {$5500.00}. Since these were not my charges they cancelled my card and issued me a new one. BOA credited my card the full amount. Included in the {$5500.00} amount was a {$1200.00} purchase from XXXX XXXX. On XXXX  BOA charged my credit card back the {$1200.00}. On calling the fraud dept. I was told that XXXX XXXX had provided information confirming I had received the merchandise. I requested copies of XXXX XXXX 's documentation and was advised to send a fax to BOA stating this was not my transaction. I faxed this on XXXX. Since then I have called many times and all I get back is a standard form letter repeating that I made the purchase. The last letter I received was XX/XX/XXXX. My lawyer faxed them a letter XX/XX/XXXX requesting copies of XXXX XXXX 's documentation and has not received a response. 

claim # 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 monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
I would like to report Predatory lending against US Bank and file a complaint against US Bank Credit Card XXXX plan. I am a current US Bank credit holder and signed up for extend pay plan in error XX/XX/2022. I immediately contacted the bank the next day to cancel plan and could not receive any assistance. US Bank XXXX is a deceptive plan set up to harm consumers and cause additional debt. US Bank XXXX does not allow consumers the option to cancel or make affordable flexible payments. I have made several attempts to resolve this issue with customer service and also visited US Bank branch to receive assistance. I can't afford the monthly payments of {$700.00} and $ 800 monthly payments in additional to all the other fees associated. I would like my XXXX plan to be canceled and make regular monthly payments.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX company, sued me in NY XXXX XXXX for debt I have no idea about, I requested company debt validation latter to provide, which I never received.

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: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I open a mortgage with XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, CO. The house I bought was appraised for {$580000.00} on XX/XX/22 and I purchased this home on XX/XX/22 for {$400000.00}. My parents owned the home before me and gave me {$170000.00} equity in the house. This resulted in 69 % equity. The mortgage was then sold to Dovenmuehle who uses a 3rd party company for their customer service, XXXX XXXX, and they will not let me talk to anyone at Dovenmuehle. I'm trying to get them to drop my MIP or mortgage insurance premium. I am well below 80 % of the loan value on my principal I owe and I came to the table with over 20 % equity. I have even hired an attorney and they haven't responded to the letter he sent. The mortgage company knows I won't refinance because the interest rates have gone up so much and now they can control my payment when I shouldn't have to pay mortgage insurance. The reason for mortgage insurance is to protect the mortgage company in case of default and there is no risk to them when I'm at the equity position I'm in. I have even paid Devnmuehle to do another appraisal and they haven't done anything. That money is sitting in escrow. I am desperate for someone to answer me and help me remove mortgage insurance. I pay my payments on time and I fell like I'm being taken advantage of since the mortgage amount and the appraisal are where they are. I have talked to them probably 10+ times and get no where but to email someone and I have received one response saying something like I would receive a letter. I never talk to the same person and I'm not even talking to Dovenmuehle. Is there a way to talk to someone at that company to help me? Anything you can do would be very much appreciated and I can supply all emails and the attorney letter. Thank you, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX

Company response to consumer: Closed with explanation