vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: FL

Complaint narrative:
I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: FL

Complaint narrative:
I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of EdXXXX XXXX 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 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went in to the XXXX XXXX, TX branch with a XXXX appt, the clerk didn't come back from lunch until XXXX!!!!! after an hour of her on hold with legal, she told me she needed a certain letter certified. she was quite rude though-out the appt, or at least not professional. I took my papers, asked specifically what they needed, she told me, but refused to write it down, and refused to talk to someone on the phone who wanted to CLARIFY what forms she wanted. I was very angry at this point at her complete unprofesional manner, took my paperwork and told her I would not be opening an account with them. 

the next day I get an email saying my checking account was open. 

she opened a checking account with out my approval or signature. 

I have spoken to wells fargo executive branch and they have closed the account, but it needs to be noted that Wells Fargo is STILL opening checking and savings accounts with out customer approval or knowledge and defrauding their customers just as they were found out to be doing in 2016.

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 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Id like to file a complaint against TransUnion for violating section 611 Of the FCRA. I filed a complaint with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both TransUnion and all the data furnishers listed below the required letters & I have not received anything from any of the companies. Ive further sent TransUnion request to remove these items for lack of response & theyd ignored my requests to remove the tradelines which I know are inaccurate. TransUnion is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
DEPTEDXXXX  XXXX Balance {$6800.00} DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX. XXXX, XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX BANKRUPTCY DISMISSED Reference Number XXXX Filing Date XX/XX/XXXX XXXX  XXXX BANKRUPTCY DISCHARGED Reference Number XXXX Filing Date XX/XX/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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has not sent requested information from multiple demands. 
1 ) Copy of signed consent to furnish my public information to any person/company/CRA etc 2 ) copy of the signed contract of the alleged debt These demands have been ignored on several letters received to them. Currently letter was received XXXX XXXX ( usps tracking # XXXX ). This request is to be completed within 30 days. I do not agree to any more time being used for investigation

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 2022-03-22 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: FL

Complaint narrative:
XXXX XXXX has not sent requested information from multiple demands. 
1 ) Copy of signed consent to furnish my public information to any person/company/CRA etc 2 ) copy of the signed contract of the alleged debt These demands have been ignored on several letters received to them. Currently letter was received XXXX XXXX ( usps tracking # XXXX ). This request is to be completed within 30 days. I do not agree to any more time being used for investigation

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 2022-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
All of a sudden, this month, I was charged a {$3.00} paper statement fee on my savings account. I have never had paper savings account statements mailed to me and never requested them. Truist apparently combined my checking and savings statement into one statement ( without notifying me of their intention to do so and without my consent to do so ) and is now assessing my savings account with a {$3.00} monthly fee to receive this statement. Although I do receive a monthly checking account statement in the mail, I have never been charged for that. And I certainly want that to conrtinue. 

Doesn't the federal E-Sign Act prohibit financial institutions from charging for paper statements when the consumer does not consent to electronic statements? Doesn't the financial institution have to provide paper statements, at no cost, although they may offer a discount to those who want to receive electronic statements? And how is this fair to someone who may not have access to the equipment needed to access and download statements online? Why should they have to pay more for something for which they may have no other way of accessing? 

This is completely unfair for them to charge this fee.

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 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I went to Wells Fargo XX/XX/2020 located XXXX XXXX XXXX, New Jersey XXXX. Approximately XXXX pm and made a deposit of {$4900.00} into the ATM into my checking account and received a deposit slip for " one penny ''. I knocked on the window of the bank, the Manger of the Bank came to the window and that's when I showed her my receipt for one penny. I asked if she could assist me at this time for it was urgent ; I was frantic at this time, but she refused. 
I've been following this dispute for onXXXX and half years now, going to different branches of Wells Fargo asking for help, but with no resolution. " I've even been asked where did I get this money ''!! 
How appalling. But as of this date and time, I've NEVER received my money back. I've talked to and submitted all required documentation asked for, but still no resolution. 

Please help me get my money back from this company! 

Thank you, Respectfully, 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 2022-03-22 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank closed my account last year in XXXX with XXXX dollars they did not tell me a reason and my branch told me to wait for some days to receive my funds but until I have not received. I tried to contact the branch I have been told that they have no answer. I need your help please

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 2022-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I graduated from XXXX  school in XXXX with just over {$200000.00} in federal student loans, all FFELP. When the pandemic began and the Administration paused interest and payments for most federal loans, I contacted my loan servicer at the time -- Navient -- to see if my loans qualified. At the time, my husband and I were struggling to cover the costs of child care because our daughter 's school was closed, requiring us to pay someone to watch her and help her with remote learning. We both work XXXX-XXXX. Navient told me that the type of loans I have did not qualify. They did not tell me that I could consolidate my loans and that this would allow me to qualify for pandemic relief. I had no idea that this was an option. They instead directed me to a forbearance, which I ultimately had to do in XX/XX/XXXX, because I simply could not afford my student loan payments along with the ongoing increased child care expenses of the pandemic. In Fall of XXXX, I was able to attend a seminar regarding the Public Service Loan Forgiveness program, in which I learned that I was required to consolidate my federal loans in order to qualify for PSLF. I did consolidate, and was then surprised when my consolidated loan then qualified for XXXX interest and XXXX payments due to the pandemic. Navient should have informed me about this back in XXXX. The interest that I paid to Navient during the time when I could have had XXXX interest should be reimbursed to me. This was deceptive and a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/XXXX I thought I was being contacted by Wells Fargo about a money transfer fraud. They had me sign up for money transfer told me I had to make a transfer to stop the transfer. Thats were it went wrong as soon as I figured out what I had done I left work went to my nearest branch and told them to stop everything. Well I just received a letter stating that they will not return the XXXX dollars and I am out because I authorized the transfer.

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 2022-03-22 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter to Experian, XXXX, and XXXX regarding unknown and inaccurate things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be removed promptly. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. My personal information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports. I have requested contracts from creditors containing my signature and have not received anything. 

XXXX sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency. If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

Experian : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by Experian : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Accounts opened as a result of Identity Theft : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : Inaccurate spelling of my name. I have never been known by the following names : C Zardin, XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: KY

Complaint narrative:
I bought a car nearly three years ago through CNAC. I switched jobs in XXXX and called them to request that they push my payment date back by one week which they agreed to do. They still received both payments for the month of XXXX but have been calling me at work since then insisting that I owe them another payment. My payment was made. I pay every two weeks. I have tried to resolve the matter and have asked them to not call me at work which they continue to do daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I noticed a hard inquiry on my report from factual data. I never authorized a hard credit report ot be run. The only thing I could think of was I inquired about a notice I received about a cash-out refi offer from XXXX. XXXX is my home loan. I called them with some questions but never approved them running a hard inquiry. I only had some questions to discuss the offer. They should not have run a hard inquiry as I had no intention of doing the cash out refi once I learned more about it. If the inquiry is not from XXXX then I do not know who ran this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I converted a XXXX  XXXX bankruptcy, filed in XXXX, to a XXXX XXXX in XXXX. In the process my lawyer, in error, filed a new XXXX XXXX case. The court immediately dismissed this case because it was filed in error. It should never have been filed and it should never been added to my credit report. Now I have XXXX bankruptcies showing, one discharged and one dismissed. The dismissed one I have disputed numerous times with XXXX and Transunion since XX/XX/XXXX. With those disputes I have included a letter from my attorney and the Certified Court Motion stating this case was a clerical error. Both XXXX and Transunion refuse to remove the dismissed bankruptcy. Both instructed me to obtain the Certified Court Document and they could remove the bankruptcy. However, when I provided the document both refused. Due to their refusal to remove the inaccurate case, creditors began attempting to collect on accounts discharged in the accurate bankruptcy. I have spent almost a year getting these creditor accounts straightened out due to XXXX and Transunions outright refusal to fix what I have proven to be incorrect. I have disputed online and over the phone numerous times. This bankruptcy must be removed.

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 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Our original Mortgage was with XXXX XXXX Mortgage. In XX/XX/XXXX, we learned our loan was sold to Nationstar/Mr. Cooper. We sent our XXXX payment to Nationstar. We have confirmation from our bank that Nationstar cashed the check. We have confirmation from XXXX XXXX Mortgage, they never received the XXXX payment. I have been dealing with Nationstar since XX/XX/XXXX. I have XXXX email correspondences with this company and no one seems to be able to find out where our missing payment is. We are XXXX month behind in paying our mortgage because we are fearful if we pay up, they will never locate our initial payment and we will be our {$2700.00}. What appears to have happened is they misplaced or applied our check to another account by mistake, so they applied our XXXX payment to XXXX, our XXXX payment to XXXX, Our XXXX payment to XXXX. So it looks as if we are XXXX month behind and did not pay our XXXX statement. However, if properly applied we would be up to date. They have waived all late fees since XXXX when we first started this journey, but I get calls weekly from Nationstar 's Debt Collection agency. 
In my correspondence to Mr. Cooper/Nationstar, I have asked them to flag our account for review and early on was concerned about adverse credit reporting requesting that a notation be made so that our credit would not be adversely affected. 
Since XXXX, I have received frequent automated calls from Nationstar for debt collection, and my credit file has been flagged for late payment. On XXXX occasions, once after a XXXX and XXXX hold time, I spoke with a customer service representative who tried to channel me to the missing money research department, however, the robocall for debt collection continues to harass me. We want to get out of this mortgage and move to a more reputable company, but do not want to be out of our payment. Please help! Thank you for your time with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc.
State: MI

Complaint narrative:
Over 7years ago XXXX bank card started taking money from my other charge cards! 
They were taken to court in XXXX and paid damages BUT did not put back money that they took from my XXXX bank card! 
In XXXX the case against me by XXXX  was dismissed I have been getting threating phone calls again from N.A.R. 6 to 10 times a day! 
XXXX Bank took over XXXX from most of the card that I had to cancel!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation