vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
For the last XXXX months ( through XX/XX/2024 ) I was on a rate reduction plan with Navient, the company servicing my private student loan, and was making a reduced monthly payment of {$360.00}. Eligibility for the rate reduction program must be renewed every XXXX months. 

In XXXX, I was laid off from my job. I called Navient Private Loans in early XXXX to renew my eligibility for the rate reduction plan, and informed them that I had recently been laid off and had no income. They told me the absolute LOWEST payment I could qualify for would be approx. {$630.00} per month. Navient also told me I do not qualify for any temporary deferment or forbearance, and they absolutely could not make my payment any lower than {$630.00}. 

This is obviously not doable given my current situation and I was unable to make my payment in XXXX ( XXXX XXXX ). I have filed for unemployment but my benefits have not come through yet. Even if I get the maximum UI benefit of {$430.00} per week -- adding up to {$1700.00} per month -- it will not even cover my housing expenses. I pay {$1400.00} per month for my mortgage and {$760.00} per month in HOA fees, for a total for {$2100.00} in housing costs alone. I also have a car payment, credit card bills, and support my daughter as a single parent. 

Since Navient Private Loans has refused to lower my monthly payment, I am appealing to you for help. My inability to pay what they're asking -- through no fault of my own -- will certainly ruin my credit score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of America has blocked my online banking since about XXXX XXXX, which has caused me to be unable to pay my bills and transfer money. I have called customer service to inquire about the reason. I was told that the new cellphone number that I updated on XXXX XXXX could not be verified, and could not be used to receive their verification code. They insist that I have to visit their branch to verify my identity, even though I have explained that I am not in the US and will not return in the short term. 

My new cellphone number is currently working well abroad. When I tried to update my phone number on XXXX XXXX, I was able to receive the verification code sent by their system, which is why I successfully updated my cellphone number. I do not understand why they blocked my online banking for fraud reasons. They should have informed me of the consequences of updating my cellphone number in advance, but I did not receive any warning. 

I believe that they have a lot information about me to doing verification over the phone with me rather than ask me to flight to the 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 2024-03-13 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: OR

Complaint narrative:
For the record, your response about specific, is a simple, if its not benefit to my interest, it my right to privacy to have it removed. 

I am the beneficiary, your are the trustee and you serve the needs of this account. 

There is not a need to verify with other companies, this is about my profile, and we do not benefit from adverse claims. 

So charge offs, late payments, delinquencies. 

It took 30 days for you to respond to my questions, which werent answered, instead you tell me be specific. 

If its not good, its gone. If you have discussion to remove or keep things, then you are my servant. I am your master. I am beneficiary, you are trustee, ok. 

Take these adverse claims and remove them at once, its your responsibility to have my best interest being a fiduciary capacity. 

You are trustee and serve me the beneficiary, got it no more usury and denial of due process. Get to work, you have dispute to remove. :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
For the record, your response about specific, is a simple, if its not benefit to my interest, it my right to privacy to have it removed. 

I am the beneficiary, your are the trustee and you serve the needs of this account. 

There is not a need to verify with other companies, this is about my profile, and we do not benefit from adverse claims. 

So charge offs, late payments, delinquencies. 

It took 30 days for you to respond to my questions, which werent answered, instead you tell me be specific. 

If its not good, its gone. If you have discussion to remove or keep things, then you are my servant. I am your master. I am beneficiary, you are trustee, ok. 

Take these adverse claims and remove them at once, its your responsibility to have my best interest being a fiduciary capacity. 

You are trustee and serve me the beneficiary, got it no more usury and denial of due process. Get to work, you have dispute to remove. :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: MA

Complaint narrative:
I am a full class member of the settlement XXXX XXXX  XXXX docket XXXX. As a full class member, I was due to have a full cancellation/deletion of my student loans, refunds on payments made, and the items removed from my credit report by XX/XX/2024. As of XX/XX/2024 none of this has happened and despite concrete evidence that my loan servicer, Mohela, they claim that they have no knowledge of the settlement despite there being over XXXX class members as part of the settlement. The US Department of Education and Mohela are in breach of the settlement terms and it has now been over XXXX since the deadline for relief to be provided to me. I have made countless calls to both the ED and Mohela and have wasted hours if not days of my time at this point waiting on hold just to be transferred from department to department, given incorrect information, and they refuse to remove the loans according to the terms of the settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their 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 explanation
Consumer complaint received 2024-03-13 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: TN

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report that I believe to be unauthorized. The inquiry appears on my report however, I have not initiated any credit application or authorized any inquiry from those listed on 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 explanation
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report that I did not authorize. I have no association with the listed creditor and did not apply for any credit or services from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: GA

Complaint narrative:
I logged into my blockchain wallet on the XX/XX/2024 to check my Bitcoin balance, only to see that my Bitcoin account is swapped with XXXX  XXXX.

I have no clue what that token is, I did not buy that token. I had NEVER heard nor known XXXX XXXX exists. 
I reached out to Blockchain, but they absolved themselves of this transaction and have not explained what happened to my bitcoin balance nor explained how I got XXXX XXXX in my wallet. 
I have attached a screenshot of what is seen on my wallet having XXXX XXXX. 

Please I am reporting this because I need explanations from Blockchain, and I want my bitcoin BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: I.C. System, Inc.
State: NY

Complaint narrative:
I submitted a dispute through the XXXX XXXX app but it came back that the account was mine. I was a victim of identity theft since XXXX  and accounts have been opened up with my information that I have no knowledge of. I need these account removed as they are hindering my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello there, I bank with Wells Fargo and I've recently gone back to school full time. With that I am now making less money and I have sometimes overdrawn my account. Because of this, Wells Fargo has continually giving me overdraft fees. And these fees are ridiculous. One time, I got three {$35.00} fee three times in a day for being overdrawn. And one of the overdraft fees was for literally XXXX dollars and XXXX was for XXXX dollars. The specific incident, I am contacting you guys about happened on XXXX XXXX XXXX XXXX XXXX My count was overdrawn by XXXX dollars and I think {$.00}. I had {$15.00} in credit card reward money. So I transferred that money into my account XXXX  thing in the morning of the XXXX. And it didn't hit my account until later that. And I had until the XXXX to put money into my account. So when I woke up in the morning of the XXXX on XXXX dollars overdrawn I got a {$35.00} fee. And my ending balance turned into - {$27.00}. It literally doesn't make any sense. I'm constantly tired of calling at these banks and spending a whole bunch of time on this. Absolutely ridiculous fees. And these banks are doing it on purpose. I understand it's automated systems, but they could fix the problems with the systems. They choose not to because it's making them money. But it's theft. And there's no way that this is legal. And I have no problem paying bank fees. Sometimes they're absolutely deserved but every single time. Some of these tees are ansolutelv insane And the amount of time have to take out of mv dav to straighten out the bank is absolutely ludicrous I have to spend at least XXXX minutes up to XXXX minutes every single time. Not to mention I'm out the money now for however, long it takes for me to get the money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
XXXX appeared on my consumer report on XXXX in the amount of {$1400.00}. I have no knowledge of this debt and did not receive an opportunity to validate the debt within five days of it appearing on my consumer file. I sent a letter and received no response from the company asking for validation, signature receipt or anything like that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: CORELOGIC INC
State: GA

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: MA

Complaint narrative:
Reached out to credit bureau to remove items off credit report. Provided proof of identity theft. Violation of 15 U.S Code 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened this new business account and fulfilled the requirements for the XXXX dollars bonus. I followed up with the bonus criteria the entire time and was told I was on track only to be denied the bonus when it was time for it to be paid. That was so annoying, and in that state of mind I asked that the account should be closed citing the discrepancy they showed not meeting their part of the agreement. Then I received a message from the bank representative called XXXX on XX/XX/year>, who expressed understanding for my frustration and went ahead to review my account, and wrote that it has been rectified and the bonus of {$300.00} will be paid to my account on XX/XX/year>. He then told me the steps I should take to close the account after I receive the cash bonus. Reading the message that the issue has been rectified, I replied stating my appreciation for resolving the issue and mentioned that I will be keeping the account open, and there would be no need closing it rather they should tell me how to avoid any monthly fees. What happened next shocked me, as I never received the XXXX dollars cash bonus and the account was closed after I wrote it should not be closed. See attached the correspondence where the bank representative said the bonus will be paid on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
1. On XX/XX/XXXX I paid off my Enerbank Home Improvement loan of {$45000.00}. 
2. On XX/XX/XXXX I received a new statement stating I have an outstanding balance, but providing no balance amount. When I went to access my account online, Enerbank system reported that my account does not exist and I can not access any historical payment records, including my XX/XX/XXXX payoff of $ XXXX. 
3. On XX/XX/XXXX I engaged 3 Customer Care Agents, just to have the calls hung up on ( note : the agents and I were in mid-sentence, therefore, I believe the Hang Up Issues was not because of agents intentionally hanging up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XXXX XX/XX/2024 my debit card, email address, and phone number was hacked. Unauthorized deductions were made from my bank account. I filed a fraud claim with Wells Fargo. After a week, they concluded the charges were legitimate and would not reverse the charges. The charges made to my account were not made by me or authorized nor verified by me. I informed Wells Fargo my email address and other info outlined above had been stolen and/or hacked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their 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 2024-03-13 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: PA

Complaint narrative:
I am writing to express my continued frustration regarding the unresolved discrepancies and unverified negative items on my credit report. Despite multiple attempts to dispute these items since XXXX of 2023, I have received no satisfactory resolution from your agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account self lender credit builder. 
Please investigate and provide Proof with statements showing that this payment was late.If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank You!

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