vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/year>, I received a text message alerting me to possible fraud on my account. When I called Wells Fargo, the call was disconnected. Shortly after, I received a call from someone claiming to be from Wells Fargo, but turned out to be a scammer. The person went through my transactions and asked me to use XXXX. Although I initially thought everything seemed legitimate, when he asked me to use XXXX, I became skeptical and logged into my mobile app to verify. Despite the seeming legitimacy, I hesitated when he asked me to use XXXX and ultimately did not proceed. As soon as I refused, the call ended and my money was gone. 



Afterward, I called back the number that had previously called me, and it appeared to be a genuine Wells Fargo number with their prompt. However, I was suspicious and decided to hang up and search for Wells Fargo 's customer service number online. I have been in touch with multiple Wells Fargo representatives since the incident. On XX/XX/XXXX, I called to inquire about the status of my claim and was informed that it had been denied. When I called yesterday to ask about resubmitting the claim, I was told it would also be denied. 



Despite my loyalty to Wells Fargo, I have not received any satisfactory assistance, and as a result, I have decided to contact the Consumer Financial Protection Bureau ( CFPB ) for help and have also filed a police report. I hope to recover my lost funds. This situation is distressing, especially since it is the second time I have encountered fraud or a scam involving Wells Fargo. I genuinely need help, and I am grateful for any assistance. 

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 2024-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I requested a School Misconduct Discharge Application, but Navient denied my request stating " Your loan type ( Refinance ) does not meet the criteria for you to receive an application. '' They seem to be denying my ability to receive relief from harm, based on a technicality. The loan I have is still a student loan according to Navient, and I was required to submit documentation from my school when applying for the refinancing loan. Additionally, Navient claims loan privileges, such as inability to discharge easily in a bankruptcy, that are equivalent to any student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
Since discovering inaccuracies in my credit report related to a lease account, I have repeatedly contacted Experian to correct the errors. Specifically, they have incorrectly reported the account opening date as XX/XX/XXXX instead of XX/XX/XXXX, the XXXX terms as XXXX month instead of XXXX months, and the account type as individual instead of joint. Despite providing Experian with a copy of the XXXX agreement and detailed payment records, they have consistently failed to rectify these errors, claiming the information meets the requirements of the FCRA. This ongoing issue suggests a failure to properly investigate my dispute and correct the inaccurate reporting, which continues to unfairly impact my creditworthiness.

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 2024-06-05 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: GA

Complaint narrative:
I looked at my credit report and found accounts that did not recognize, please remove them from my account immediately.

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 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing regarding the attempt to collect a debt that I do not owe. Despite my repeated requests for verification of this debt, I have not received any satisfactory response or proof of its validity from none of the parties involved XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Midland Credit Management. Previously, I had a credit card with XXXX through XXXX XXXX. I purchased two identical pant suits in different colors. Due to a delay in delivery, I received one suit initially. Upon inspection, I found it unsatisfactory and returned it. When the second suit arrived, I immediately returned it to the sender. Throughout the return process, I was in regular contact with XXXX XXXX  regarding my payments. As both items were returned, I did not owe a balance. I request that you cease all collection attempts and remove any incorrect information from my credit report related to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: CA

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 non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
I received an email that there was a data breach with fbcs the same time I was being harassed from them about a debt that was already paid and I was told to contact someone regarding the law suit they are facing as a result

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I sent a letter to Transunion and asked for validation because what they are allowing these companies to report are inaccurate they sent me their investigation and said those accts are verified and accurate. And according to 15 USC 1681 ( 5 ) | see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. 

XXXX XXXX number- XXXX is completely inaccurate and they updated this account to new inaccurate information this credit line was for XXXX I used this account and was only able to pay which the account was paid in full I could not access this account and they have no support available besides email. They were continuously charging me their fees for a account that was up to date paid in full I cant even access and haven't had access to for about 2 years now this is so unfair. 

XXXX XXXX XXXXXXXX XXXX I closed this account because all of my accounts with this bank were hacked I reported this issue they bank even gave me new accounts this investigation could not been properly done. 

XXXX XXXX XXXX everything about this account is wrong its not mine and I cant even get information to this account they told me I was giving them the wrong address and personal information so what information is the company using at least help me help myself. 

XXXX XXXX XXXX XXXX I've sent out certified mail to validate date the keep calling harrassing me instead of sending information i request to verify deby now the are saying the debt is for a minor child which and refuse to send information by mail because I rather not argue with their rude customer service reps. 
XXXX XXXXXXXX This information is wrong XXXX XXXX XXXX This account is not mines and I've been transferred and referred to so many other parties that were not able to help me so what did this company use please help me understand. 

XXXX XXXX XXXX Account not accurate

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 2024-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
My wife and I are in the process of assuming an Veteran 's Affairs home mortgage through loan servicer/provider Mr. Cooper. The property is located in Virginia. 

I am submitting a complaint against Mr. Cooper because we began the loan assumption process in XXXX, and nearly 6 months later we still have not closed on this home. We were originally quoted 90 days, and we are approaching double that time. 

A recent Veteran 's Affairs Circular stipulates " Loan holders, or their authorized servicing agents, with automatic authority shall process and decide assumption applications for loans they hold or service within 45 calendar days of receipt of a complete application. '' However, it has taken an unreasonable amount of time for the loan assumption process to close. The Dept. of Veterans Affairs allows Mr. Cooper to service loans in Virginia, and that right should not allow Mr. Cooper to drag a request like mine well beyond a reasonable timeframe to purchase a home. 

Most recently, we received conditional approval for the loan in XXXX. Mr. Cooper has reached out twice since then asking for some information and documents, some of which we had previously provided, and several others which are superfluous. My wife and I have 3-4x the required down payment, and virtually no debt ( some almost paid off student loans ), and can not fathom why we have not been approved yet. In fact, we haven't heard from them in over a month despite several calls and emails. 

I'm submitting this complaint to hold Mr. Cooper accountable, flagging to other consumers about their poor communication and effectiveness for buyers and sellers. I can not even imagine the Sellers ' perspective - former Veterans who have made our country proud through their service. Yet their country 's financial institutions ( Mr. Cooper ) have turned their back on them, continuing to extend the loan assumption process unnecessarily, resulting in XXXX XXXXXXXX of additional dollars of loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Greyhound Capital Group LLC
State: OK

Complaint narrative:
I paid for XXXX tickets for myself and XXXX XXXX to get back home and never received the tickets so I couldn't even cancel or change my time or bus route. They staff were rude and didn't help me at all they said that i was beat. I didn't receive help or compensation any information whatsoever. I received a recipe today that states I boarded the buss, that is a absurd. So now I had to pay out of pocket again, and I'm stuck in XXXX Texas. And I don't have the money to get home.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from 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 2024-06-05 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: NY

Complaint narrative:
Currently o my consumer report there is an item being reported that should not be due to the fact that the account has been charged off. According to the IRS a " charge off '' should not be reported because it's considered ordinary income and income shall not be reported on any consumer report. The last update date was XX/XX/year> and the last payment date is reporting as XXXX XXXX. Attached you will find copy B of the 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 2024-06-05 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: NY

Complaint narrative:
Currently o my consumer report there is an item being reported that should not be due to the fact that the account has been charged off. According to the IRS a " charge off '' should not be reported because it's considered ordinary income and income shall not be reported on any consumer report. The last update date was XX/XX/year> and the last payment date is reporting as XXXX XXXX. Attached you will find copy B of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
XXXX NEW LOAN OF {$40000.00} WITH LOANME XXXX XXXX XXXX XXXX XXXX, CA XXXX PAYMENTS XXXX DUE ON THE XXXX OF EACH MONTH XXXX MADE A PRINCIPAL ONLY PAYMENT OF {$1000.00}. 
ACCOUNT STATES XXXX PAID TO PRINCIPAL AND XXXX PAID TO INTEREST. 
MADE SEVERAL CALLS TO COMPANY TO FIX THIS ISSUE AND ADJUST ACCOUNT BALANCE. 
XXXX TRANACTION REVERSED AND PAYMENT POSTED CORRECTLY TO PRINCIPAL. 
XX/XX/XXXX XXXX XXXX {$2000.00}. PRINCIPAL PAYMENT OF WHICH XXXX POSTED TO PRINCIPAL AND XXXX POSTED TO INTEREST. AFTER SEVERAL ATTEMPTS TO DISCUSS WITH SOMEONE WHOSE WAS ABLE TO FIX IT. ALL CALLS RESULTED IN A SUPPOSED CALL BACK WHICH NEVER HAPPENED. ASKED TO TALK TO SUPERVISOR, NONE AVAILABLE. 
XXXX SPOKE WITH A XXXX XXXX WHO SUBMITTED A TICKET TO FIX THE PAYMENT. SAID IT SHOULD BE CORRECTED IN A DAY OR XXXX. 
MADE NUMEROUS CALLS TO FOLLOW UP. STILL NO CHANGE TO ACCOUNT. 
WAS TOLD I WOULD RECEIVE CALL FROM XXXX ON FRIDAY XX/XX/XXXX. 
XX/XX/XXXX LEFT ANOTHER MESSAGE. 
SENT SEVERAL EMAILS. NO RESPONSE TO ANY. 
XX/XX/XXXX SPOKE WITH XXXX XXXX AND WAS TOLD THAT PRINCIPAL PAYMENTS ARE NOT ALLOWED. WAS TOLD TO FILE A COMPLAINT WITH CUSTOMER SERVICE ONLINE. 
XXXX SENT EMAIL TO CUSTOMER SERVICE ONLINE. EMAIL RETURNED UNDELIVERABLE. 
LINK ON WEBSITE DOES NOT WORK. 
XX/XX/XXXX CANCELLED ANY AND ALL ELECTRONIC TRANSACTIONS WITH LOANME THROUGH OUR BANK UNTIL RESOLVED.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
This complaint involves several issues with my credit report. 

First, the information on my report showed an account as being in collections, which it never was. When I requested a correction, instead of correcting the error, the credit bureau deleted the account entirely. Then, a week later, they re-added the account to my report and reset the dates, making it appear as if the collection status was recent. 

To address this issue, I sent a signed notarized affidavit and a police report indicating that the information was incorrect and that the account was never in collections. Despite providing this documentation, the credit bureau has failed to resolve the issue and continues to inaccurately report the 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 non-monetary relief
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
This complaint involves several issues with my credit report. 

First, the information on my report showed an account as being in collections, which it never was. When I requested a correction, instead of correcting the error, the credit bureau deleted the account entirely. Then, a week later, they re-added the account to my report and reset the dates, making it appear as if the collection status was recent. 

To address this issue, I sent a signed notarized affidavit and a police report indicating that the information was incorrect and that the account was never in collections. Despite providing this documentation, the credit bureau has failed to resolve the issue and continues to inaccurately report the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX # XXXX HAS 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

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 2024-06-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello, Please see the attached information for my refund to be credited back to my Rooms To Go credit card account. These amounts were for my original account ending in XXXX. I am also including this on the Dispute form. 

{$640.00} XXXX {$1200.00} XXXX {$910.00} XXXX {$240.00} XXXX {$180.00} XXXX {$3200.00} I called Rooms To Go and they advised that they don't handle any sort of refunds or credits that this is something done by Synchrony Bank. I am now to the point to where Synchrony Bank needs to stand up and assist me with resolving this matter. The above credits were never properly credited back to my account as they should have been by the merchant Rooms To Go. Due to the incompetence of the merchant Rooms To Go not working with me and stating they can't do anything that they don't handle any refunds or credits I am expecting Synchrony Bank to resolve this. Rooms To Go needs to be held accountable for their actions. Synchrony Bank paid Rooms To Go the money and Rooms To Go is now stating they don't issue refunds or credits. So I'd like to know what Synchrony Bank is planning to do to resolve this matter for me. 

Thank you, 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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Good afternoon, I have tried to contact Experian numerous times. I am applying for an apartment, and I was notified that there is a fraud alert on my credit. Experian is impossible to get ahold of. I submitted the request online through their portal XXXX times and provided my photo ID, XXXX card, and a bank statement. Experian keeps closing the disputes but have yet to remove the fraud alert. I should be allowed to speak with a live representative, and they should remove the fraud alert per my multiple requests. This is very frustrating and time-consuming. Please resolve. Experian should have a live representative to speak to when a matter is time sensitive.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am attempting to unfreeze my credit with Experian. I do not have my PIN or my password, and I am stuck in an impenetrable loop trying to verify my identity. The website asks for my phone number to text me a code and says it has been sent but it does not arrive. I then use the voice option, but the call does not come. The phone system does not allow me to get in touch with a human being. My wife has tried this as well and runs into the same problem. 

I had no problem with either XXXX or XXXX. Only 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 2024-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
Had the Loyalty program with XXXX as I had been a customer for over XXXX  years. Ordered new phones, promised {$800.00} each for the XXXX traded in phones and {$35.00} per line for XXXX lines. Once XXXX got our phones only gave us {$200.00} per phone and charged us now {$50.00} per line. Refused to return phones, honor the prices given during switching plans. Kept screenshots of all conversations and all documentation. XXXX put this on my credit report even though this is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: DC

Complaint narrative:
Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation