vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Ive been paying in advance towards the principal and paid it down to {$11.00}. I tried paying the loan off online but was directed to call the bank. Its been difficult to communicate with representatives because I cant understand their convoluted explanations and also due to foreign accents ( no offense intended ). 

Now theyre saying I owe an additional {$290.00}. I requested to speak with a supervisor but no supervisor was available. Ive been trying to get this resolved for the last month with no resolution. Please help. TY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: PR

Complaint narrative:
I requested a line of credit from XXXX XXXX to maintain my score or it will increase. A self-payment through the company 's application was scheduled for the XXXX, which was the payment deadline. I had not seen that the company takes XXXX to XXXX business days to complete the payment, as soon as I noticed I updated the self-payment date for the XXXX of each month, in the same way I made a payment for {$90.00} on XX/XX/2023 for the application. Similarly, on XX/XX/2023, another {$90.00} of self-payment was collected. Despite not entering into late payments, the company reported information to Equifax that left me XXXX points. Filed a dispute with Equifax which resolved that XXXX XXXX should send updated information. At the moment my score with Equifax has only gone up XXXX points. Likewise, on XX/XX/XXXX, another payment for {$60.00} was made, which was reflected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I paid my mortgage off on XXXX. I sent a check to the address I was provided and the check was cashed on XXXX. The address I was told to mail the check to was Shellpoint Mortgage Payment Processing XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXXThe check has been cashed.The payment has not been applied to my account. The mortgage company is Shellpoint Mortgage. Their phone number is XXXX. I have called them everyday requesting to know why the payment has not posted to my account ( # XXXX ) nobody has any answers for me. My account still shows a balance and that I have a payment due XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On Saturday, XX/XX/XXXX I withdrew {$14000.00} in the form of a cashier 's check for the purpose of paying a deposit for my wedding venue with the intended recipient being the owner said venue ( XXXX XXXX XXXX ). I placed the check in a sealed envelope in a public USPS mailbox near my house in XXXX on the corner of XXXX and XXXX XXXX on Sunday, XX/XX/XXXX ( the next day ). I was informed about a week later that the check never made it to the intended recipient, and after contacting PNC, learned that it had been fraudulently cashed or deposited by XXXX XXXX  on Monday, XX/XX/XXXX with the recipient as " XXXX XXXX ''. It was concluded that it had been stolen from the public mailbox and forged with a new recipient name. 

I had a case opened by PNC 's fraud department and was assigned a case worker : Case worker : XXXX XXXX Case number : XXXX Reference number : XXXX Dispute number : XXXX We were instructed to sign an affidavit with the receipt from the cashier 's check attached, which we signed and mailed on XX/XX/XXXX. We were assured that we'd get our money back, and informed that typical turnaround for cases like this was up to 120 days. I reached out several times over the next few months with no meaningful update. I filed a complaint against PNC with the Office of the Comptroller of the Currency, and promptly received an update in early XXXX that PNC had contacted XXXX XXXX to confirm the fraudulent activity, to which they had heard no response. 

In the 5 months since this update, we have reached back out to PNC at least 5 times to learn that there had still been no response from XXXX XXXX  to their request for confirmation of fraud. I have tried to contact XXXX  's fraud department, but was unable to get very far without a contact number or case worker. We were told by a representative at XXXX 's fraud department that it is incredibly unusual for a case like this to take this long. 

I have written to the Office of the Comptroller of the Currency to reopen the case against PNC and to file a new complaint against XXXX. I contacted PNC again and learned today ( XX/XX/XXXX ), that they plan to reach out to XXXX  once again. It has now been 1 year since this unfortunate event, and there has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: PA

Complaint narrative:
This complaint originates from my ongoing attempt to receive my XXXX XXXX XXXX XXXX XXXX XXXX payment history from my current loan servicer Nelnet. My dealings with Nelnet have been nothing short of unacceptable. By way of background, my federal student loans were originally serviced by XXXX  XXXX XXXX ( XXXX ). Not too long ago, my XXXX account, including my XXXX payment history, were transferred to Nelnet. My XXXX payment history is not immediately available on my Nelnet account portal, and requires a request. 

Starting this past XX/XX/2023, I began a process to have a third party reimburse my past student loan payments. In order to process that request, the third-party requires the servicer 's payment history as a form of validation, i.e., I need my XXXX payment XXXX. On or about XX/XX/2023, I submitted a request into Nelnet for my XXXX payment history. I was told then that the approximate time was XXXX business weeks, taking until the beginning of XXXX to receive it. In both XXXX and XXXX, I called Nelnet to check the status of my request and was told that I should be receiving the payment history the third week of XXXX. In the third week of XXXX, I received a payment history that was woefully inaccurate and did not even remotely display my XXXX payment history. I immediately called Nelnet, who confirmed that the request was incorrectly done and that my request was still pending. I received no timetable as to when it would be complete -- being told that it was " in the queue '' and pending. 

On XX/XX/2023, I again called into Nelnet to check the status of my request and was now told that it would not be completed until XX/XX/2023, with the possibility of it being completed earlier. Given the mismanagement and ill-advised nature of this entire process, I stated that I wanted my request expedited but was told there was nothing I could do. Again, all I was told was that my request was " in the queue '' -- the same misleading, unhelpful, and unreasonable status that I have been given for 4 calendar months now.

Suffice it to say, the thrust of my complaint is the unacceptable amount of time it is taking for Nelnet to complete my request for my XXXX payment history -- an estimated 6 calendar months!!! And during this horrible experience, the misleading and inconsistent representations that I have been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management has been harassing myself, along with my wife and XXXX XXXX XXXX child, via phone for almost 6 months. I have put all three of our numbers on their DNC and have warned them that I would file a complaint and/or seek legal council if their calls continue. The calls have continued and they say there are no records of calls or accounts tied to any of the three numbers, but I have traced the numbers that they call from and they seem to be legitimate calls from this company. These calls are always for a person named XXXX XXXX and, while there was once a XXXX XXXX in our family, that person now has a different last name and has not been a member of our family in XXXX years. These calls need to stop, especially the ones going to my childs phone. I will not have my child harassed by anyone, let alone a company who cant find their client and refuses to stop harassing a kid in the meantime. That will lead to me filing suit if this doesnt stop immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had lost access to my checking, savings, mortgage accounts as well having lost my ability to write checks and use my bank card. Now after XXXX weeks I still do not have full access to my accounts. Webster has out sourced it help desk to some foreign nation with people who have very heavy accents and their only response is to change my password which I have done 16 times to no avail. When I go to the local bank branch they tell me the the main office has to fix the problem. Webster says it has upgraded its security but in the process they have screwed up virtually everything. Some one needs to be fired or the bank should be fined for this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Allied International Credit Corp., (US)
State: FL

Complaint narrative:
On XX/XX/XXXX I make arrangements with Allied International Credit Corp.to pay $ {$650.00} for 3 months adding to the amount of {$1900.00} of the total Balance of {$3900.00} I had with XXXX XXXX  I make the first payment on XX/XX/XXXX. Went I called on XXXX to make the second payment they informed me the account was closed and needed to call XXXX. When I called XXXX they told me the same and for that reason they couldn't take my payment. 
After several months they sold my account again and reported me to the credit report and did not honored the arrangement I made legally in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: NV

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 explanation
Consumer complaint received 2023-08-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: GA

Complaint narrative:
I disputed two transactions on my Wells Fargo Business Checking account on XX/XX/XXXX totaling {$2900.00} to two separate merchants, both a XXXX XXXX and XXXX  store. I did not make or authorize these transactions and have no knowledge of how these transactions came to be. I did lose or misplace my debit card, and I reported it to Wells Fargo immediately. Wells Fargo issued a credit to the account which I was gracious for because we run a small business and every dollar does matter. 

On XX/XX/XXXX the claim was reversed. I was not provided any additional information, no option to further dispute or escalate, and no recourse from the bank. I contacted Wells Fargo on the XXXX  of XX/XX/XXXX ( which happens to also be my birthday ), and spent two hours on the phone being transferred from department to department, but no one was able to provide me with further information, no one was able to further escalate my claim, and no one was able to help me to determine next steps. 

Unfortunately, this {$3000.00} is enough to put XXXX XXXX XXXX XXXX XXXX I have a XXXX  to pay, and I can not do it without being able to deposit payroll funds into my account. This amount is more than my entire payroll. It is disheartening and frustrating that Wells Fargo, such a large insititution which claims to care about it's customers but I am being offered no assistance and no one is able to help me to resolve this very important matter. We XXXX XXXX XXXX do not have the financial cushion some other larger businesses may have, and I am sure to a company that processes billions of payments this is just one amount for one customer but it is everything to 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 explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act XXXX ( XXXX XXXX XXXX ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023 ( tracking # XXXX ). Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited my account. I have sent 3 letter to Home depot, the letter i received from Citi indicates that they never received anything but Home depot is Citi groups affliated party meaning they should have sent it to Citi group the moment they received the first letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Date - XXXXXXXX  / Amount - {$410.00} / Violations of 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & and fairness / 15 U.S. Code 1681 ( b ) permissible purpose / 15 U.S Code 1681 C2 / 15 U.S. Code for reinsertions/ Legal documents letters of Cease and Desist / Harrassment / Trademark, Copyright Infringement/ were sent and issued to company/ agency/ Never was given proper legal Notice of debt within 5 days / Never was sent name / address of original creditor/ Never was sent a statement informing me they were assuming the alleged debt to be mine. Illegal third party debt company without permission reported fraudulent negative unauthorized personal information to all 3 credit buearurs XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation