vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
I am writing to express my deep dissatisfaction with the ongoing presence of late, closed, and charged-off accounts on my credit report, despite making repeated attempts to have them removed. This letter serves as a formal complaint regarding the handling of my credit file. 

Despite providing evidence of inaccuracies and engaging in due process according to the Fair Credit Reporting Act ( FCRA ), I have not seen any meaningful resolution to this issue. 

The inclusion of these erroneous accounts has hindered my ability to secure favorable credit terms, obtain loans, and pursue other financial endeavors. Furthermore, it has caused undue stress and frustration as I continue to navigate through this ordeal without any tangible progress. 

I demand immediate action to rectify this situation. Specifically, I request that the aforementioned late, closed, and charged-off accounts be thoroughly investigated and promptly removed from my credit report. Additionally, I expect a formal explanation for the repeated failure to address my concerns in a timely and satisfactory manner. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$200.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
I am writing to express my deep dissatisfaction with the ongoing presence of late, closed, and charged-off accounts on my credit report, despite making repeated attempts to have them removed. This letter serves as a formal complaint regarding the handling of my credit file. 

Despite providing evidence of inaccuracies and engaging in due process according to the Fair Credit Reporting Act ( FCRA ), I have not seen any meaningful resolution to this issue. 

The inclusion of these erroneous accounts has hindered my ability to secure favorable credit terms, obtain loans, and pursue other financial endeavors. Furthermore, it has caused undue stress and frustration as I continue to navigate through this ordeal without any tangible progress. 

I demand immediate action to rectify this situation. Specifically, I request that the aforementioned late, closed, and charged-off accounts be thoroughly investigated and promptly removed from my credit report. Additionally, I expect a formal explanation for the repeated failure to address my concerns in a timely and satisfactory manner. With this, I am asking for your assistance to remove these accounts in my credit file XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$200.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I contacted support whenever I was unable to see my care report, and after clearing my cookies 18 times I kept telling the support professional that it did not work however, he just kept telling me to do the same thing over and over. They would not furnish me with my credit report I described how it had an accuracy, and I needed to make disputes, and I was unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: LA

Complaint narrative:
I contacted support whenever I was unable to see my care report, and after clearing my cookies 18 times I kept telling the support professional that it did not work however, he just kept telling me to do the same thing over and over. They would not furnish me with my credit report I described how it had an accuracy, and I needed to make disputes, and I was unable to do so.

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 2024-04-16 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: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: MN

Complaint narrative:
I received a Welcome package on XX/XX/XXXX that contained a debit card, an account number and a routing number for an account I did not open from a company called Netspend ( via the XXXX XXXXXXXX XXXX. ). I did not open an account with them. I completed a quick internet search and found that Netspend is associated with rebates and tax refunds. So I started down the process of activating the card ( as suggested by the marketing materials. As I continued to activate I was being asked personal information ( social security number ) and to provide documents to prove my ID. I began to get suspicious so I called Netspend and talked to a serve representative. He commented that this was a marketing ( or " promotional '' ) mailing. I was a bit shocked because I received a debit card with my name and and card number, an account number and a routing number for that account. 

Their marketing tactics are very deceptive and possibly abusive - thinking that I already had an account ( by marketing that all I need to do is Activate the card ). Given that " Activation '' is predominately used when someone has an account and a new card is being sent out, this is deceptive in steering people to actually open an account in order to activate it. 

It is also possibly abusive as they have two plans in which you pay for every purchase, ATM withdrawal or reloading the account ; or a monthly plan in which you pay {$9.00} per month plus fees for ATM withdrawals, cash reload and ATM balance inquiries. 

Most banks do not have some or all of those fees.

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 2024-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I have contacted Target 's customer service numerous times in regards to getting account back in good standing but they are unwilling to work with me. I have tried to make payments on the account but they are unwilling to accept anything other than the total due and fees. I have requested to have some of the fees removed so that I could make a payment to get the account in good standing but they continue refusing to work with me. Target Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
I requested to apply for a new loan other than an income driven repayment plan since this is what I currently have and can not afford. MOHELA keeps sending me the Income Driven information. I have asked them to send me what I do qualify for and an application other than income driven plans. MOHELA has sent the same information about income driven over and over in an automated message. I already have an income driven plan that is not affordable.

I would like to know what I can apply for? The last loan I applied for that in which MOHELA told me I was eligible for was not eligible.

MOHELA has not provided me with correct information as to what loan I qualify for since I consolidated a parent plus loan.

What loan other than Income driven can I change to with a parent plus loan consolidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am filing a claim in the state of Connecticut. On XX/XX/XXXX, I rented a car in XXXX, XXXX, from XXXX. I chose not to purchase additional insurance because I was relying on my American Express XXXX XXXX XXXX. For this rental, I utilized two free days through my XXXX XXXX rewards. 

Unfortunately, I was involved in an accident and paid the deductible of XXXX euros to XXXX. I filed the claim with American Express on XX/XX/XXXX and provided all the requested documents. Despite several attempts to clarify that XXXX XXXX is not a method of payment but a rewards program, American Express continues to ask for non-existent documentation. Despite multiple phone conversations where representatives acknowledged understanding the issue and promised a review, they persistently request the same documentation. 

I even contacted XXXX for assistance, and they suggested I send a screenshot of my membership to American Express to help clarify the nature of the program. I have also provided detailed information on how the program works, and my invoice clearly states that XXXX XXXX covered XXXX days of the rental. 

When I rented the car, I was informed of potential issues with American Express in case of an accident, and now I see their warning was justified. American Express has not acted as promised and is questioning its customer unnecessarily. This situation has become exceedingly time-consuming and frustrating, especially because each call to their insurance company involves speaking with a different representative after a XXXX wait, and repeating the same information. 

I hope you can intervene and help resolve this issue, as it has greatly affected my customer experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
In loan agreement page 1 states, If all or any portion of a payment is not paid within 10 days of due date, there is a late charge of 5 % of the monthly payment or {$25.00} and this finance company has failed to abide by its own terms and has made a fraudulent report to the credit bureaus and has made harrassing texts and threats to take my vehicle without it being late or in repossession status.

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 2024-04-16 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: FL

Complaint narrative:
In loan agreement page 1 states, If all or any portion of a payment is not paid within 10 days of due date, there is a late charge of 5 % of the monthly payment or {$25.00} and this finance company has failed to abide by its own terms and has made a fraudulent report to the credit bureaus and has made harrassing texts and threats to take my vehicle without it being late or in repossession status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
In loan agreement page 1 states, If all or any portion of a payment is not paid within 10 days of due date, there is a late charge of 5 % of the monthly payment or {$25.00} and this finance company has failed to abide by its own terms and has made a fraudulent report to the credit bureaus and has made harrassing texts and threats to take my vehicle without it being late or in repossession status.

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 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Hello Fay Servicing, You are engaging in predatory lending practice, I have sent you multiple emails, fax, and website upload of the insurance declaration and yet you failed to recognize my insurance declaration, you failed to take actions to update the insurance renewal. And on XX/XX/2024 and you bought a insurance without my permission. This is unacceptable. See all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-04-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My CD expired on XX/XX/year>. After finding no information online on how to close my account, I first called BMO the week before my CD was set to expire. I was told I needed to call back on the day of expiration / maturation, so on XX/XX/XXXX, I requested closure of my CD ( with a total value of {$21000.00} ) via a phone call. I asked for a direct transfer of funds to another bank, and was told that I could only transfer my money into another BMO account or be sent a check via mail. I had transferred funding to this CD directly online, so not being able to transfer money outside of BMO seemed ridiculous, but I relented and asked for a check to be issued. I was told that my check would be sent on XX/XX/XXXX via XXXX, that it could not be tracked or overnighted, and that I was expected to receive it within XXXX business days. 

After XXXX business days, I called BMO because I had not yet received the check, but was told that nothing could be done until after the XXXX business day timeframe. However, I was also told that the check had not yet been cashed, which suggested it wasn't lost or stolen. I was told they would automatically reissue a check after XXXX business days if it was not received in that timeframe. After XXXX business days, I then called again because I still had not received the check and was told to wait another day. This was on Friday, XX/XX/XXXX. 

Today, Monday, XX/XX/XXXX, there still was no check, so I called BMO another time. I've now been told that because the check has not arrived, that I would need to get an indemnity bond, have it notarized, and then wait 90 days for a new check to be issued. 

This is a significant amount of funds that I have not received, and it is unacceptable that BMO is not taking responsibility for returning my own money to me. It is inconceivable that they can not transfer funds into another bank, or cancel and reissue the check with proper tracking and controls to make sure my money is received back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reached out to the company over 4 years ago asking the company to remove the information from my credit due to the statue of limit in Pennsylvania. I also Its now XXXX years and that information is still circulating on ny credit and affecting a negative way

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reached out to the company over 4 years ago asking the company to remove the information from my credit due to the statue of limit in Pennsylvania. I also Its now XXXX years and that information is still circulating on ny credit and affecting a negative way

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: GA

Complaint narrative:
there are fraudulent inquiries on my credit reports ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am a victim of identity theft and so I followed all the appropriate steps when dealing with identity theft such as reporting to the local police department, Federal trade commission, XXXX XXXX  to get my identity theft report and affidavit that is needed to be sent to the Credit agencies. I called Experian to get information about the actions taken regarding my identity theft and I was told that I didn't send correct or enough information. I sent everything required of me by the Federal trade commission. I guess Experian has their own rules, which I don't understand. If Experian has their own rules then why is the federal government involved in this action. It seems to me that the information given to me on XXXX XXXXXXXX Federal trade commission should be what is required of me for Experian to do their part in removing these fraudulent items from my report. Do they make their own rules? Does Experian, have precedence over the Federal trade commission? The gentleman I spoke to whose name is XXXX from the Experian special service department continue to talk over me and tell me that the information that I sent was not enough. I pay {$30.00} a month for identity theft resolution and support I have not been contacted once by their resolution department or anybody else regarding the identity theft case that I filed almost 3 months ago. If that's the case I want 3 months of {$27.00} refunded to me and I also want what is required by fcra 15 USC 605b to go through without somebody telling me that I need more information. I sent everything according to the Federal trade commission identity theft.gov.

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 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX received a text from Wells Fargo about a suspicious charge on debit card. This was the THIRD time within about XXXX week period. I replied it was unauthorized and received a reply that the bank would be calling, which they did. The caller ID was the correct customer service phone number used by Wells Fargo so assumed everything was on the up and up. We took care of the debt charge then was told that there were two other charges going against my savings account, {$9900.00} and {$9200.00} and that I had to wire that amount to XXXX XXXX, giving me the account number and the bank, XXXX Bank XXXX Kentucky along with confirmation numbers stating that the funds would be back in my account the next day. After I hung up, I called Wells Fargo, told them what had happened and since the amounts still showed pending could they stop them. They said I would have to file claims which I did, Something still didn't seem right so I went into the bank on XXXX again telling the rep that the amounts were still pending why couldn't they stop it. Was told even though the amounts showed pending the money was gone. I closed my accounts and was told I could check in on the process anytime, which is not true. I've been into the bank a total of 4 times now ( XXXX, XXXX, XXXX and XXXX ) with over an hour and a half each time getting absolutely no info other than I would get a letter. I am very disappointed in the bank and their noncompliance asking as if I lost {$19.00} instead of {$19000.00}.

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