vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I had a mortgage loan with Wells Fargo which I refinanced to get a lower interest rate in XX/XX/XXXX ; my new lender is XXXX XXXX XXXX, XXXX, XXXX. Settlement date was XX/XX/XXXX ; funds were distributed to satisfy the mortgage loan with Wells Fargo on XX/XX/XXXX. 
Mortgage payments to Wells Fargo were withdrawn automatically from my checking account each month. It was my belief that the automatic payments would cease since the mortgage loan with Wells Fargo was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX, I attempted to use my debit card, and it was declined. When I went to my bank to investigate, I found that the Wells Fargo auto withdrawal had gone through my account on XX/XX/XXXX, which was not expected. At the banks suggestion, I initiated a stop payment for future withdrawals, for which I had to pay a fee of {$34.00}. No further payments have been withdrawn. Due to the unexpected withdrawal on XX/XX/XXXX, I was charged {$210.00} for overdraft and return fees. I asked the bank if they would refund these fees, but they refused. 
I contacted Wells Fargo on XX/XX/XXXX and spoke to staff member, XXXX ; I explained the situation and asked that Wells Fargo return the amount of the auto withdrawal since my mortgage loan had been paid in full on XX/XX/XXXX. She indicated that the amount of {$950.00} was used to cover a balance owed on my homeowners insurance policy. 
I contacted XXXX XXXX, who carried my homeowners insurance policy at that time, to verify the accuracy of the information given to me by Wells Fargo. I was told that Wells Fargo had paid my homeowners policy in full ( amount of {$1800.00} ) on XX/XX/XXXX ( see attached receipt from XXXX XXXX ). Any amount owed to Wells Fargo would have been included on the Settlement Statement dated XX/XX/XXXX ( see attached copy of settlement statement ) and therefore would have been paid as a part of the payoff they received on XX/XX/XXXX. 
I called Wells Fargo approximately a week after my first contact and spoke to staff member XXXX. XXXX again tried to tell me the funds withdrawn from my account had been used to cover a balance owed on my homeowners policy. I told him this information was incorrect. I shared with him what XXXX XXXX had told me. At that point, he filled out a complaint on my behalf. 
Two to three weeks later, a staff member from Wells Fargo called ( I dont recall his name ) to tell me Wells Fargo was investigating my complaint and my request for reimbursement of the automatic withdrawal. He said someone would contact me as soon as the investigation process was complete. It has been over five months, and I have heard nothing further from them.

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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX was a personal installment payment account that was paid off in full. When paid off the 60 days past due showed up on my account. I called them back to have this cleared and they said they would. I now just took a look at my report and it is still there showing 60 days late payments.

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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX was a personal installment payment account that was paid off in full. When paid off the 60 days past due showed up on my account. I called them back to have this cleared and they said they would. I now just took a look at my report and it is still there showing 60 days late payments.

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 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
This is the timeline of the botched transaction from my XXXX XXXX to Barclays. during this time, my credit score dropped from the high XXXX to the low XXXX. 

XXXX - Begin hearing about XXXX transitioning from XXXX to Barclays. 
XX/XX/XXXX - Last automatic payment of full balance to XXXX XXXX 
Was Notified they were switching over to Barclays. 

XXXX - Notified that a new Barclays credit card was getting mailed out. This card was never received Called Barclays and requested a new card be sent out. 
Barclays refuses to use my last name of XXXX and insists on using my maiden name of XXXX unless I send a copy of my marriage certificate. Gap had been using my last name of XXXX since I got married in XXXX. I told Barclays to close my account. 

XXXX - I never received any new Barclays card. They insisted they had mailed two out. 
Begin to see negative impacts on my credit score, but never received any statements from Barclays and was never given any information on how to pay online.

I again asked them to close my account and requested they mail out a paper statement. 
Called Barclays again and asked them to mail out my final statement. 
Still no final bill sent. Call Barclays again ( for the third time ) to ask for the final bill. I told the XXXX I would be mailing a check in to pay the amount in full, minus late fees and interest charges. 

XXXX - I finally received the final bill. 
XX/XX/XXXX - Mail check # XXXX for the full amount, minus interest and late fees. 
XX/XX/XXXX - Check for {$2300.00} is cashed by Barclays. 

XXXX - Call Barclays and talked to a customer service rep who let me know that they did receive the check and my account had a {$0.00} balance. I thought everything was revolved. 
XX/XX/XXXX - Credit monitoring shows Barclays has marked the account as more than 60 days delinquent. 
Call Barclays again, asking to confirm payment, and close the issue, and fix the credit reporting issue. They claim they cant find the payment, despite my bank showing the check was cashed by Barclays on XX/XX/XXXX. 
Still calling me by my maiden name of XXXX. 
XXXX is investigating this, but says it wont be resolved for 30-45 days. XXXX ID # XXXX At this point, it has been almost 4 months of trouble and this has ruined my credit score.

Another 30-45 days of this is unacceptable.

My account has been pain in full. I would just like this issue to be closed and my credit score restored.

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 monetary relief
Consumer complaint received 2022-09-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # 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 explanation
Consumer complaint received 2022-09-29 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2022 I received an alert from CFPB that my dispute was closed. Upon reading Portfolio Recovery Associates response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ..... 

1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AZ

Complaint narrative:
0n XX/XX/22 I submitted a refund from Edfinancial services and I can not get a clear answer as to when that balance will appear on my account. 

Per the Federal Student Aid forgiveness program, I am eligible to have monies forgiven since I paid off my account during the XXXX freeze. The first step is getting XXXX refunded to my Edfinancial account. Then I'm supposed to fill out some paperwork through the federal student aid website. That's fine but... 

No one at Edfinancial will give me a consistent date ( or even an approximate date ) as to when the amount will show up on my account. I've spoken to multiple representatives and no one will give me a straight answer. Some say two to three weeks, others several months, 150 days. It's all over the place. Also, there is no email confirmation or receipt provided to confirm a refund request. How do I know the refund request has been submitted?

I understand they have a heavy call load. Despite this, other student loan companies are processing refunds in 1 to 2 weeks. I don't want to miss my window to apply for forgiveness. This will have a huge impact on my family and finances. 150 days or several months is way too long and completely unreasonable. Turn around should only be a couple of weeks.

Where is my refund Edfinancial?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX Acct # XXXX has violated my rights XXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX Act # XXXX has violated my rights XXXX XXXX XXXXXXXX Acct XXXX XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX Acct # XXXX has violated my rights XXXXXXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXXXXXX Acct XXXX XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 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 2022-09-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This account was not verified as accurate with other bureaus and I ask for actual verification procedures that and any signed documents bearing my signature to validate this account and they have failed to provide me with any proof other than sending letter saying it has been verified I do believe Transunion is acting in bad faith and there actions have caused me harm asking for actual proof of this account and they dont even have my names spelled correctly which further lets me know they are not completely investigating this matter XXXX XXXX  amount XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX  + {$8400.00} Closed

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 2022-09-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  is attempting to collect on an alleged debt that they have written off. 
I have attempted to dispute this debt previously, however, they are still reporting this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: GA

Complaint narrative:
XXXX XXXX  is attempting to collect on an alleged debt that they have written off. 
I have attempted to dispute this debt previously, however, they are still reporting this 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 2022-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a capitol one debit card in the mail around 2 weeks ago. I did not think much about it since I had applied for credit cards at the store. I saw an email today that it stated that my account was overdraft and I immediately sign in. I called Capitol One Fraud department and I advised them of the situation. They are investigating the fraud activity but they told me to report it to the Federal Bureau of Investigation of fraud. I was able to enter into the account by answering security questions and my own name, social security, and date of birth. Therefore, this means that someone is using my information to access these accounts or to open these accounts. Capitol one tells me that this is an acquired account from another prior source. I do not have any accounts opened with any other banks. There is {$1000.00} XXXX XXXX transfer, XXXX XXXX XXXX of {$190.00} to a XXXX XXXX, and a withdrawal of {$800.00} from account XXXX to account XXXX performance, all of these charges being made on XX/XX/2022. I assume they are virtual transactions so the ip addresses should pinpoint the location of these charges to exculpate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: AR

Complaint narrative:
i am a victim of identity fraud i have been getting alerts that my information is on dark web and the following accounts and inquiries on my credit files when i pulled them where opened without my authorization or knowledge collection account - XXXX XXXX original creditor XXXX in the amount of {$1900.00} opened XXXX collection - XXXX  in amount of {$190.00} opened - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX in amount of {$520.00} opened XXXXXXXX XXXX XXXX XXXX - original creditor XXXX XXXX XXXX XXXX in amount of {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX- in amount of {$500.00} opened XXXX XXXX XXXX XXXX / original creditor -XXXX XXXX in amount of {$1400.00} opened - XX/XX/XXXXXXXX XXXX XXXX - balance {$260.00} opened - XX/XX/XXXX XXXX  XXXX - credit limit {$13000.00} opened XXXX XXXX XXXX XXXX balance {$57000.00} opened XXXX XXXX  XXXX  - balance {$48000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX  - {$500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  - {$440.00} opened XX/XX/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 2022-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Account # XXXX XXXX & # XXXX To be honest with you, I have no idea regarding this company because if my student loans were sold or transferred to someone else I would have gotten a letter etc. I never got anything from my original lender etc. I have no idea regarding this company etc. I've tried reasoning with them to let them know I was never informed etc. 

XXXX XXXX-I 've filed with all three bureaus and of course, nothing was done with them- certified mail never heard anything back. Looked at my report all they stated is the other party disagree. I requested specific documents with my signature but never got anything back from the company and the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient acct XXXX reported that I was late 3 times and that is inaccurate because my student loans have been in deferred status and never in repayment status credit reporting needs to be updated to reflect that I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1666b - Timing of payments | U.S. Code XXXX US Law | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: FL

Complaint narrative:
I opened a claim on CFPB under this number XXXX I was requested by the bank to call them to start the claim requested but on the number they provided XXXX XXXX XXXX there is a record message saying " we are unable to accept this call due system restrictions '' ( Im not in the USA right now ), also I called XXXX XXXX XXXX and they can't help me because the account is closed, they gave me two different numbers XXXX XXXX XXXX / XXXX XXXX XXXX and on that phone nobody answer. 
So as you can see is impossible to call the bank for this issue. 
I have the right to request to open a claim by mail or fax, is not needed compulsory by phone. 
So please proceed as requested or give me a fax number to send this letter. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
At the end of XXXX I received a letter stating my account would be closed and an investigation would be conducted to determine if there was any fraudulent activity. The letter stated N0 withdrawals or deposits could be made into the account. Ovdn XX/XX/2022 the XXXX XXXX XXXX deposited funds into the account and the funds were accepted, but I was not able to access them. I was told once the investigation was complete the funds would be mailed to me. It has been nearly 5 months and they are still holding my funds. I have contacted the bank and been told many different things, but no one can tell me why my funds have not been sent and when I may get these funds,

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 monetary relief