vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had to open disputes on my Wells Fargo card for XXXX transactions from the same merchant due to paying with my card from another bank ( paid by other means ). I called to initiate the claim today, XX/XX/XXXX, around XXXX XXXX  PST when they opened. I let the representative know I had documentation ( transaction statement from the other card and email correspondence with the merchant ) to prove my Wells Fargo card was not supposed to be charged and sent it to the claims department email. 

I then received an email at XXXX XXXX PST from Wells Fargo on the same day XX/XX/XXXX stating that they would be closing my account within XXXX business days. Upon checking my dispute status, I also saw it was denied and closed. When I called the disputes department, representative XXXX informed me that they found the cardholder liable for the transactions, however I did not claim the charges were unauthorized, so that reason was not relevant to the case.

Regulation E requires banks to conduct a reasonable investigation, and Wells Fargo has gone against this. My claim was open for less than XXXX hours and immediately denied. They didnt give me a chance to receive the documentation I sent, ask me for further information, or even reach out to the merchant before denying it, and now I dont have access to my funds and was charged twice by the merchant.

These are illegal and unethical practices by Wells Fargo that need to be corrected. Regardless of the status of my account, the claims department must research my case and provide a temporary credit within the required time frame while the investigation is ongoing.

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 2024-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc.
State: NJ

Complaint narrative:
Remex , Inc. Reference : Account Number # XXXX Dear Sir/Madam, I am writing to dispute the alleged debt referenced above, which your company claims to have acquired from XXXX XXXX XXXX . I am aware that as the successor in interest to XXXX XXXX XXXX, you are now bound by the arbitration agreement stipulated in XXXX XXXX XXXXXXXX XXXX arbitration agreement. As per the arbitration agreement, I am formally invoking my right to arbitration to resolve this dispute. It is important to note that the initiation of arbitration entails significant costs for your company, far exceeding the nominal value of the debt you acquired from XXXX XXXX XXXX. Before proceeding with arbitration, I am extending an opportunity for an amicable resolution. I am willing to settle this matter for {$1000.00}, which accounts for the emotional distress, anxiety, and financial hardship caused by this dispute. Additionally, it is imperative that you delete this tradeline from any credit reporting agencies to which it has been reported. I believe this offer is fair and reasonable given the circumstances. Failure to respond or engage in good faith negotiations may result in the escalation of this matter to arbitration, incurring substantial costs for your company. Please contact me at your earliest convenience to discuss this matter further and reach a mutually beneficial resolution. You can reach me at via email at XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: MO

Complaint narrative:
Experian ( The XXXX XXXX XXXX ) is obligated by the FCRA to report accurate accounting. I have brought attention to all inquiries reported were fraudulent. Experian ( The XXXX XXXX XXXX ) had 4 days by law to remove such items from my report. Fraud report was filed via FTC in regards to such consumer report. I am now requesting Experian to provide such documentation used to determine such inquiries were indeed authorized by such consumer, Experian has 15 days to provide me with the name of the agent spoken to, documentation used, application with consumer wet ink signature. Consumer is not requesting an e-Oscar report, if Experian does not have documentation to show these inquiries were in fact authorized by such consumer items shall be removed asap. Experian is liable under the SEC to follow certain rules and guidelines. Experian ( The XXXX XXXX XXXX XXXX commission file number XXXX, in conjunction with ( XXXX XXXX XXXX XXXX XXXX commission file number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be filing form 211 treasury omb forms to audit consumer account due to the fact Experian ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are securitizing consumer data and still refuse to provide such consumer a copy of my CONSUMER FILE when requested and not the CONSUMER REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry 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 non-monetary relief
Consumer complaint received 2024-04-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to address the matter of XXXX XXXX and XXXX XXXX, referencing USC 1608, USC 1602, and USC 1681. According to USC 1608, relevant information or rights. Additionally, USC 1602 outlines inaccurate information and change of information.

Furthermore, USC 1681 pertains to [ mention specific provisions or regulations related to the issue ]. It is imperative that we adhere to these statutes to ensure you guy reinvest and show proof of how you verify these accounts.

Please let me know how we can proceed in accordance with these laws to resolve this matter effectively.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX is reporting fraudulent amounts of money and information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX is reporting fraudulent amounts of money and information to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX is reporting fraudulent amounts of money and information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have been sending disputes for the account listed in letters but the bureaus haven't gave any response regarding the investigation or the any responded back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: NJ

Complaint narrative:
I checked my account on the federal student aid website and found that I had a {$0.00} loan balance on XX/XX/2024. I then went on my loan servicer website, XXXX, and found that a payment was made on XX/XX/2024 for {$49000.00}. I was not informed of any transfer of my loans. On XX/XX/2024, XXXX weeks later, I got 2 letters in the mail from Mohela stating that they have taken over my student loans and that I now have 2 loans with them as they consolidated my federal student loans. I was given no warning that this was occurring. Therefore, my loans were transferred with no information of this being provided to me. I continue to have no emails from Mohela in regards to this situation. All loans have been removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
In XX/XX/year> took XXXX XXXX  rides billed through insurance in correctly, made payments XXXX with first bill, XX/XX/XXXX XXXX  XXXX with XXXX bill no new bills only texts, all of a sudden my bill was corrected and my payments received, I am now turned into collections no new billing original biller says they cant find me in system and I have not yet been able to reach collection agency Credence XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX my name XXXX XXXX XXXX account number Credence, name on their bill XXXX, first XXXX XXXX XXXX XXXX for Credence XXXX. 
My home address XXXXXXXX XXXX XXXX XXXX  filed a grievance appeal XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2024, my wife transferred {$610.00} minus a XXXX instant transfer fee totalling the transfer amount to Chase in the amount of {$590.00} to my debit card ending in XXXX to my business account. This transaction was a instant transfer from XXXX. Chase has not released the funds. After speaking to multiple agents for hours and hours the past three days, still no resolution. First I was told it was a maintenance issue and to allow funds to be released after XXXX on XX/XX/2024. Then I was told to give it a few more hrs. I was transferred to the claims department and was told they see the funds but can't assist. I contacted the fraud department and was told to contact customer service because they do not have the authorization to release the funds. XXXX sends me back to claims and was told thecsame information, cant assist. My wife contacted XXXX for help and she was told the money was sent and XXXX provided a trace number, XXXX and stated it's a Chase issue. Contacted Chase and provided the trace information and was told they couldn't do anything with this information. The finger pointing is exhausting and all I want is my funds. Please help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: GA

Complaint narrative:
I RECENTLY SENT LETTERS TO ALL XXXX CREDIT BUREAUS ABOUT MY INFORMATION BREACHED. AND THE INQUIRIES ARE NOT MINE AND THEY STATED THEY VERIFIED THE INFORMATION AND THERE IS NO WAY THEY DID. However the credit bureaus said they completed the investigation and everything was 100 % accurate. After I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies did not make sure the reporting was 100 % correct. 

UIn accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency was obtained directly from a creditor of the consumer or from the consumer.

did they complete their investigation with proof? It seems I am a victim of identity theft

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 2024-04-22 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: GA

Complaint narrative:
I RECENTLY SENT LETTERS TO ALL XXXX CREDIT BUREAUS ABOUT MY INFORMATION BREACHED. AND THE INQUIRIES ARE NOT MINE AND THEY STATED THEY VERIFIED THE INFORMATION AND THERE IS NO WAY THEY DID. However the credit bureaus said they completed the investigation and everything was 100 % accurate. After I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies did not make sure the reporting was 100 % correct.

UIn accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency was obtained directly from a creditor of the consumer or from the consumer.

did they complete their investigation with proof? It seems I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: EdFinancial Services
State: MI

Complaint narrative:
Attempted to make a payment on my loads on XX/XX/2024. The payment took a few days, then on the website it read that the payment was received. After about a week, I noticed no money had been pulled from my checking account. I checked EdFinancial again and the payments were reversed and I was past due. Upon contacting them, they told me my banking information was incorrect, but it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
When the XXXX  related forbearance was ending, my student loan servicer advised that I re-certify my income right away. I did so believing this was necessary. I then found out that I wasn't required to recertify until XXXX of XXXX. As a result of the re-certification that I completed in the fall of XXXX, my student loan payments increased significantly. I received a letter stating I did not have to re-certify until XXXX of XXXX at which point I contacted my student loan servicer to see if they would roll back the re-certification as it had been completed under false pretenses. I was advised by my student loan servicer that they are unable to roll back the recertification. I then messaged them back making a second request to roll back the re-certification and was again denied. I was misinformed that I was required to re-certify my income. This appears to be purposefully misleading and deceitful information as recertification is not yet required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Westlake Services, LLC
State: MI

Complaint narrative:
Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
My wife, XXXX, died in XXXX. I sent a XXXX  certificate ( NOT a copy ) to FORD motor credit, requesting that they take her off of the title ( ALL others-mortgage, credit/debit cards, checking accounts, etc DID ) : Even though I have repeatedly sent FORD all the information they requested, the STILL have her listed as a co-owner! I will be making my final payment on my XXXX XXXX XXXX  next month and have annually called to request her removal ; this last time I was told they can not and I will have to take a copy of the death certificate and title to the CA DMV to get a clear title. WHY is ford being so obtuse?

Company response to consumer: Closed with explanation