vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Email me for the evidence which they saw and heard and never reply. I will forward it. Around XX/XX/year> I had a problem with Wells Fargo, I used to be able to handle XXXX and send and receive money like everyone but my mistakes made them take off my service, what I did is I was asked to sent money to XXXX but this person who I never met or know who he is, only his name sent me money without my consent, I never was asked if I could receive it they just said, there gon na sent it, so he made a complain with XXXX XXXX XXXXXXXX and is when XXXX start it, I told them Im sorry so many times and yes they did reinstall XXXX twice but they took it away from me 3 times or more. It has been a year and I was letting them but Im so tired plus right now Im negative and its because of my purchases but before I seen that they say we charged XXXX because of this and that so been on the look out for that. Anyways couple days ago I went again and gave them a chance and they end up saying nothing no explanation and I sent them a message on XXXX and never got an answer. They just said were gon na call you which I said no, I done that before and Im tired and when they heard I was gon na report them. They never answer. Ha-ha. Wells Fargo is a joke.

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 2024-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
XXXX XXXX XXXX originated alone on a property that I purchased 2 years ago. The loan had auto pay set up for every month 's payment and everything was fine. 

Apparently in XXXX Flagstar Bank, a wholely owned subsidiary of New York Community Bank, purchased that loan and became the servicer of the loan. Without my consent or knowledge they removed the auto pay feature from the loan and did not tell me. 

I then went on a XXXX month trip to XXXX, in the interim they did not accept the auto pay arrangement payment and then let my loan go into default because the payments had not been made. 

When I return from XXXX XXXX months later I found their actions and immediately made the payments and requested the loan to be put on auto pay. I also requested they remove any negative information on my credit report. 

Flagstar Bank refuse my request to have the loan put on auto pay when I called in. They also refuse my request to remove negative information they reported to the credit bureaus.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted fro an alleged identity theft, not later than XXXX business days after the date of the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
We have been Mobil credit card customers since the XX/XX/XXXXs. Up until XX/XX/XXXX we received one bill per month which we always paid. 

Suddenly in XX/XX/XXXX we received two bills from Exxon Mobil in one month. One bill referenced the number on our credit card ( which we have had for many years ) and the other a credit card number that was unknown to us. 

XXXX XXXX wrote a letter to them dated XX/XX/XXXX explaining that we paid the bill charged to the credit card we possess and explained that we would not pay the other bill since we disputed that they were our charges. 

We received a form letter that did not address our issue at all but stated we needed to call customer service. XXXX XXXX called customer service multiple times, all with unsatisfactory results. Here is the chronology : In the first call, he was told that we must pay both bills, and the late fees would be subtracted. We declined to pay the bill we did not owe. Late fees were removed from the charges to the card we actually possess. 

We continue to get billed for the other amount which included new late fees so XXXX called back in XXXX to say that we would go ahead and pay the other bill which was {$61.00}, even though we never possessed a credit card with that number, because we wanted this nuisance harassment to stop. We expected that any late fees would then be waived as we were paying a bill we dont believe we owed. 

Even though we paid the {$61.00}, we continue to receive bills with late fees applied to late fees applied to late fees. We didnt realize XXXX XXXX now runs Exxon Mobil . 

XXXX called a third time and spent over an hour being passed from one representative to the next. He finally got someone to understand that we had paid all gas charges from both bills and needed to get the subsequent late fees waived ( which no one had been able to do because their policy says late fees may be waived only once per year ). The person who understood his explanation said they would connect him to the finance/billing office so he could resolve this issue once and for all. Instead he was connected again to a new front line customer service rep who couldnt help at all. 

The crux of the problem is that Exxon Mobil began billing us with a credit card number unknown to us. Up until XX/XX/XXXX we had a Mobil card number ending in XXXX. ( We no longer have that card we cut it up and sent it back to them as we no longer want anything to do with them. ) We do not have and have never had in our possession a Mobil card ending in XXXX. Since we never had this physical card in our possession, it is literally impossible that we would have physically used it to buy gas, or anything else. 

We challenge anyone to make any sense out of the bills they send us.

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 2024-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
The federal government had expanded the public service loan forgiveness parameters because of faulty and misinformation given that were not counting payments that should have qualified. I was victim to this and appreciative of the temporary expansion ( TEPSLF ). I have correctly submitted all of my paperwork to have the previously unqualifying payments count towards my XXXX payments towards full forgiveness to MOHELA. This paperwork was submitted ( with an attachment ) in XXXX of 2022. Because I had gone in and out of full time employment at my qualifying employer, an attached document was provided detailing all of the dates that I worked to be considered full time and therefore work towards my forgiveness. In XXXX of 2022 the paperwork was under review. Several months later it has said processed but my payments were still not reflected. I called and they said even though the document says processed it can still take another 90 days for the payments to reflect ( untrue ). I have since called and spent more than an hour at each juncture explaining, escalating my complaint ( including bringing it to the federal government ) to each time be told that it will be handled. Most recently I had someone say they would have it reviewed again in detail and understood my problem. Today I got an email saying they are missing documentation about average hours worked. In the document submitted under average hours worked it says : see attached document which in full details the months of a full 4 years at the qualifying institution and which of those months were considered full time. They are now asking for this information-which they have, and continuing to not solve this XXXX year issue, to which they have every amount of information needed. They are scamming me and hindering my progress towards loan forgiveness. I have a child with XXXX XXXX and can not spend endless amounts of time dealing with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
I contacted Southwest Credit System on XX/XX/XXXX regarding a collection that had a date of XXXX  delinquency on XX/XX/XXXX, totaling {$600.00}. The representative, whose name I can not recall, displayed unprofessional behavior characterized by rudeness, aggression, and an overall unpleasant demeanor. Her tone of voice was notably hostile. Throughout our conversation, she persistently pressured me to acknowledge a {$200.00} debt that I had no knowledge of, despite failing to provide any supporting validation. Additionally, she repeatedly emphasized that this debt would be reported on my credit, seemingly attempting to damage both my credit and my character. Few days later the debt was on my report severely damaging my score. The relentless insistence made me feel harassed and concerned. Fearing further mistreatment, I felt compelled to abruptly cease and desist the conversation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I recently reviewed my entire consumer report and noticed I have unauthorized inquiries on my report. I never authorized XXXX XXXX XXXX XXXX XXXX XXXX pull my credit.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I recently reviewed my entire consumer report and noticed I have unauthorized inquiries on my report. I never authorized XXXX XXXX XXXX XXXX permission to pull my credit.

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 2024-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX I applied for the hardship program when it came to my XXXX credit card because the store had went bankrupt and closed down and the pandemic was going on I was told by the lady I spoke with that I could agree to pay {$10.00} a month from XX/XX/XXXX of XXXX to XX/XX/XXXX of XXXX then my card would be paid off instead I was told then I contacted the company and spoke with XXXX and a XXXX that I still had to pay even though I completed the program I explained to them that I was not told that by the representative that set me up on the program. On XX/XX/XXXX I received another letter from them of congratulations for completing the program I paid a total of {$220.00} to them when I only owed XXXX I then told them that their company says on the recording that the call may be recorded or monitored for quality assurance and that they should be able to go back and pull the call to hear the conversation and what the representative told me to prove I am not lying they then turned around and sent me a refund check a year or so ago and they said I owed them {$11.00} or so which I sent now they are hounding me again for more money when I was told by the representative how the program worked. I want them to get this resolved if I have to go to court I will

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-09 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: OK

Complaint narrative:
During the COVID-19 lockdown, my student loans were transferred from Great Lakes to Nelnet. My first payment was due in XX/XX/XXXX, which I made on time. I then paid the following months bill, which was for the same amount of {$29.00} ( this is actually the amount shown on my Income Driven Repayment Annual Notice issued by Nelnet themselves ). As XXXX rolled around, I received a statement that said no further payments were due until XX/XX/XXXX ( this clearly was not correct, as I never overpaid or paid more than the minimum due ). 
I called Nelnet for what would be the first of many times, and they couldnt really give me a straight answer ; they just recommended paying the amount on my IDR Annual Notice even if my statements were inaccurate ( the first red flag ). I did just that, and now Im seeing a different payment amount for XXXX ( {$25.00}, which makes no sense given that my payments are supposed to be {$29.00} monthly ). AND apparently I owe nothing for XXXX somehow even though I havent paid XXXX yet. My payment amounts and due dates are NEVER consistent when I should be paying {$29.00} per month. To add to my confusion, I called Nelnet back where yet another unqualified customer support agent told me that my monthly amount due would change to around {$90.00} in the coming months. HOW? I received zero notice and their own IDR Annual Notice clearly states that my amount due is {$29.00} EVERY MONTH. In fact, what she says makes zero sense given my current income level and my repayment plan ; anybody can figure out their rough payment amount online, and mine certainly shouldnt be close to {$90.00}. 
I have a right to know what I owe, when I owe it, and why I owe it. Nelnet cant explain any of that to me. In an attempt to fix my account, theyve placed some of my loans under administrative forbearance and now my interest has BALLOONED over {$120.00} in just mere days ( there shouldnt be any interest accrual during Forbearance, let alone way more than my actual rate ). I have wasted hours and hours of my life trying to get some straight answers from this abysmal company and I cant bear to call them again because they have NO IDEA what they are doing over there. I NEVER had to call Great Lakes because they understood that paying a monthly bill shouldnt be a hassle. 

This company is ruining peoples lives. A quick search of recent complaints will tell you that NELNET NEEDS TO BE INVESTIGATED AND SHUT DOWN UNTIL EVERYTHING IS FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: TX

Complaint narrative:
XX/XX/year> information was submitted to Equifax to remove the XXXX XXXX XXXX ACCOUNT # : XXXX, per the reporting creditors request. Equifax have failed to honor the removal request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I changed my name legally about XXXX  months ago. I used XXXX to get my credit reports from the XXXX main credit agencies, and all the information was correct. I changed my name with all of my creditors as well. I regularly check my credit score through my Experian online account too. When I changed my name, I requested Experian to update my online account with my new legal name as well. I submitted the required documents, and eventually, the name in my Experian online account was changed. However, after changing the name on my online account, Experian occasionally displays that I have no credit score in my account. XXXX or XXXX days in a month, Experian shows my new name with a credit score. And for the rest of that month, Experian shows my old name, and states that I do not have any credit score. I contacted Experian numerous times via phone and email. Each time I was just transferred from Online Account department to Dispute department back and forth. In my last attempt, I was transferred to the Dispute department, and I was told that " You'll have your credit score in XXXX business days '' and that obviously hasn't happened. 

XXXX of my creditors ( XXXX Bank ) provides a " free credit score '' monitoring service, but since they use Experian, I do not have any score there either. This brings me to this point that I'm about to have a big purchase ( purchase a car ) and I know the seller uses Experian to check credit score/history. Experian 's incompetence may prevent me from making my purchase or end up with a very high APR.

I have attached my last correspondence with Experian. I attached some Experian reports that show my credit score under my new name, and others that show no score under my old name after changing my name with Experian.

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 2024-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One has denied $ XXXX U S Dollars on XX/XX/2024. Capital One Also denied transfering my proceeds from all my direct deposits from Accounta # XXXX XXXX to my XXXX Bank ending in XXXX claiming XXXX has not established communications. Capital One is engaged Retaliation and destroy my secured credit card ending in XXXX XXXX because i wrote ( XXXX ) complaints on their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-09 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: OH

Complaint narrative:
For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX XXXX XXXXXXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX

Company response to consumer: Closed with explanation