vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oasis Legal Finance Holding Company, LLC
State: SC

Complaint narrative:
Hard Inquiry on CREDIT Report Oasis Legal Finance- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Legal XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I applied for a checking account online on XX/XX/year> and have yet to receive a response. I called on XX/XX/XXXX to check the status and they told me I had to contact their fraud department. I have called several different listen numbers and the one they told me to call and the automated operator will not let me speak to a human being nor can find my application. I just got off the phone with them and they said there is nothing they can do and bounce be from department to department. No one can cancel my application. 

I do not appreciate this type of treatment nor am I going to tolerate it. If this is how prospective clients is treated I want no part of a company who will not allow me to speak to a human being nor will honor my requests dealing me my personal information. I have no idea what they are doing with my information and they will not tell me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: PA

Complaint narrative:
I owe Discover Student Loans over {$93000.00}. I took out my first loan ( co-signed by my mom using my dads income ) in XXXX when I was XXXX XXXX XXXX. 

I XXXX in XXXX and have paid them {$1100.00} every month for almost 6 years. I pay over {$14000.00} in interest every year. I still have 9 more years of payments. Their interest rates are criminal. They used my XXXX XXXX XXXX fathers income and my mothers credit score to calculate what I would be able to repay as a XXXX XXXX XXXX. This seems ridiculous, unethical, and predatory. 
Their only repayment assistance options are temporary and will only prolong my repayment period. 

They are unsympathetic and unhelpful. Theyre selling their student loans off to the highest bidder and will make millions off of our debt. Its a ridiculous scam to give unpayable loans to people ( often minors, first generation students, and fresh high school graduates with little experience or financial literacy ) who just want to learn and better themselves and and up drowning in debt and unable to enjoy their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
I reached out to Mohela when I noticed my dates of how long I had my federal student loans started in XXXX not XXXX. I reached out to Mohela and asked why and was told because I consildated the loan in XXXX they dont transfer that information over. Well this is crucial to me qualifying for the IDR payment that will wipe out student loans. These adjustments to accounts include conducting a one-time revision of XXXX payment counters to address past inaccuracies and permanently fix XXXX payment counting by reforming XXXX XXXX tracking procedures going forward. Based on the newly eligible months from the one-time account adjustment, borrowers who have reached XXXX or 300 months. My loans started in XXXX not XXXX so Mohela not account for that reduces my months by up to XXXXyears. This is not accurate information and this must be updated immediately per the student loan contract I signed intially in XXXX and XXXX. No where in the contract does it state they will back date my student loans to XXXX and not account for my actual initial loan disbursement in XXXX. I am requesting this be looked into immediately. I also want to be provided a copy of my initial loan documents including application and all signed documents by me from XXXX as well as XXXX that state this information. In addition I want my loan disbursement updated 100 % accurately by Mohela immediately and supplied to the federal loan department so they know my loans are ready to be 100 % cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have attached last 3 months of my credit card statements. you can see that even after paying more than the minimum plus covering the purchases i am still being charged interest. note the XXXX XXXX and XXXX $ payments that i made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting 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:
I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. The inaccuracies are highly injurious to my credit score. 
this XXXX accounts have inaccurate information as you can see in the attach file in this report. Inaccurate like reporting the collection or late payment every single month which is not legal and the status are different across all credit bureau. The inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after i asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts. 
The accounts are : XXXX XXXX  account number XXXX. 
XXXX Account number XXXX. 
XXXX account number 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: CA

Complaint narrative:
Shellpoint Mortgaging Servicing, the servicer for the lender, XXXX XXXX a trial 90 day payment plan with insufficient time to make the first payment. I sought out an investor for my family 's home, and we were asking Shellpoint what the following payments would be, as to secure the necessary funds. The first payment was due in 10 days. We told my representative ( SPOC ) 10 days was not sufficient time to make the first payment, and asked for an estimate as to the following monthly payment amounts. The SPOC said the 3 month, {$13000.00} would have to be paid first, only then would the following payment amounts be calculated. I sought out additional info at Shellpoint with the same answer, as the sale date advanced. 
I shared this info with an attorney at my Chamber of Commerce, saying the XXXX could assess any amount after 90 days, which could be {$10000.00} or so. I was also to have received a contract from Shellpoint to sign, I never received that. 
We believe an offer was made on paper that could not be met within the time frame allotted. We could have/can meet the monthly {$4500.00} amount. 
Meanwhile another letter arrived during this time. This was a demand letter for the full amount, {$900000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am a client of SANTANDER BANK. A few weeks again they have requested me to provide information about my account usage. After that they've blocked my account until I provide the information. When I came to the branch in person they did not find any problems with my account and told me that I can use it without any restrictions. Later they've called me and I provided them with all the information they need over the phone. Now my account is still blocked, and they deny to unblock it until I come to the branch in person. I'm in another state and I can not come to the branch because my funds, that I could use for transportation are frozen on my account. The back denies to send the agent to my state, or provide me with transportation to their branch, or give me access to my own funds to come to the bank. The closest branch is 2 hour drive away from me. I don't have a car, and due to the actions of the bank I don't have funds for public transportation.

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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I see some fraudulent accounts in my report. please remove them as soon as possible. Thank you : XXXX XXXX  acct # XXXX date opened XX/XX/year> XXXX XXXX XXXX XXXX acct # XXXX date opened XX/XX/year>

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 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dates are approximate. 
On XX/XX/year>, I received an email from my credit card company saying that my monthly autopay was declined by my bank- US Bank. I called US Bank that day and they said my XXXX account was OK - no problems. I then called the credit card company and they again said my monthly autopay was declined by my bank- US Bank. I went to my local US Bank office and spoke to the manager who told me my XXXX  account was frozen and in the process of being closed. I asked why and he said because of a certified check that I tried to deposit in XXXX, XXXX, that was fraud. I told him that when I brought the check to US Bank to deposit that I was concerned it my be fraud. I asked if that was the case would there be any consequences to my account and they said no, the check will just be declined. 
My complaints are : 1. My account should not have been closed 3 months after trying to deposit a certified check 2. I was NEVER informed by US Bank that they were closing my account.

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 2024-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SoLo Funds Inc.
State: TX

Complaint narrative:
I have been unable to withdraw my funds since XX/XX/year>. I have opened support tickets but have been unable to assist and the only information they provide is that they are working on a system upgrade. Additionally, I have two transactions that Solo charged me for that were not fulfilled and they will not refund. No estimated resolution time was provided.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Added Accounts included : XXXX XXXX  XXXX XXXX XXXX, XXXX {$3000.00} XXXX  XXXX XXXX, XXXX {$3300.00} XXXX  XXXX XXXX, XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$57000.00} XXXX XXXX  XXXX XX/XX/XXXX {$150000.00} XXXX XXXX XX/XX/XXXX {$7000.00} XXXX  XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXXXXXX XX/XX/XXXX {$7000.00} XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX  XXXX XXXX XXXX, XXXX {$640.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$65000.00} XXXX XXXX XX/XX/XXXX {$350000.00} A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, Thanks, XXXX XXXX  XXXX inquiry

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 2024-05-30 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you guys will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
. On XX/XX/year> a person called my phone pretending to be Wells Fargo fraud prevention. The caller ID showed Wells Fargo. They stated a wire transfer had been initiated and I needed to log on to my app and request to reclaim the funds. They instructed me what to enter and asked for me to confirm a code. This happened 3 times over XXXX business days and I was scammed out of over XXXX. 
On XX/XX/year> there were XXXX in person cash withdrawals made in branch in XXXX Va and XXXX in XXXX XXXX Va. totaling XXXX. I received a call from the same person who I believed was Wells Fargo telling me my debit card had been compromised and a new one was on the way. I went into the local Wells Fargo Branch in XXXX N.C. to ask them to destroy my debit card and let them know I had been contacted and the person I spoke with said a new card was on the way. The employee took my card and disposed of it. They never asked me for any information or offered to verify what I was saying. They could have easily prevented the last wire transfer. 
I have banked with Wells Fargo almost 15 years and have NEVER done a wire transfer. It is suspicious I did XXXX in a row and I believe this should have been flagged on their end, especially since most employees at Wells Fargo we have spoken with are aware of this wire fraud. Wells Fargo is targeted because of how easy it is to commit online wire transfers. 
When trying to report this to the Federal Trade Commission, I am asked for an account number and address for receiving bank. I have tried numerous times to get this information from Wells Fargo but they tell me they do not have access to it. I finally spoke with a representative today who said she can see it but cant tell me where it went because they might be liable if something happens. 
This is unacceptable and Wells Fargo is enabling fraud and protecting the criminals instead of protecting their customers

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