vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 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: M&T BANK CORPORATION
State: TX

Complaint narrative:
Issues : taken too much in interest. additional amount not applied to the principal. I have made. XXXX payments above the required amount. I understand it depends on the date for the amount of interest to be taken. in my case most of my payment we made early. I'm now upside down on my loan that I put a big down payment down so I wouldn't get upside down. I was looking to sell this item to pay off the loan and that's when I discovered these issues. The last 5 payments they have taken all for interest. Because of that I have not made a payment and will not until they start applying to the principal. I have run the numbers through a loan calculator and I'm coming up with a much lower payoff amount. I'm not a bad guy I pay my doubts, but I will not be taken advantage of by big corporations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Checking account is reported as fraud. 
XXXX ref # XXXX date XX/XX/XXXX Check Account Abuse Wells Fargo ref # XXXX date XX/XX/XXXX Account Closed - Purged XXXX  acct # : XXXX date XX/XX/XXXXXXXX XXXX acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXX Wells Fargo Acct # : XXXX date XX/XX/XXXX Wells Fargo Acct # XXXX date XX/XX/XXXX Account Closed - Not Reason XXXX XXXX  Acct # : XXXX date XX/XX/XXXX XXXX XXXX Acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXXXXXX XXXX  Acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date 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 explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/23 I sent an email to Westlake advising Id lost housing and was living in my car. They previously responded immediately when I emailed. This time they didnt. I left to go to Georgia briefly. They took the car out of the hotel lot. They demanded over {$1000.00} then {$890.00} which I paid. I repeatedly asked IF I PAY THEN I WILL CALL AND GET THIS CAR AND WAS TOLD YES. I paid. I called the number and no one answered. Again I called repeatedly. Then was told to call someone else, a tow company. Those people said they didnt have a release. Then said they did but I had to wait til Wednesday at XXXX XXXX to pick up car. I said all my clothes and medicines and all that I have is in the car and I am XXXX and here alone. They said too bad. 

Westlake had been calling me with spoofed area codes of XXXX every hour virtually and also lying repeatedly about extensions or being rude and saying horrible things, Ultimately they committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I don't want this on my credit history because these accounts are negative for me and are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: NJ

Complaint narrative:
I don't want this on my credit history because these accounts are negative for me and are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX  XXXX Bankruptcy Reference # XXXX has violated my rights. 

XXXX XXXX Bankruptcy Reference # 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 accounts without my written instructions.

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per 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 explanation
Consumer complaint received 2023-10-09 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC
State: UT

Complaint narrative:
My complaint is failure to respond to my request for a loan modification, leaving my application in limbo, and then selling my loan to another servicer. 

I could no longer afford my mortage payment when taxes were added through escrow and the payments doubled. I could not pay my taxes because they keep going up as well as the cost of living and I am on a fixed income. 

I called Flagstar Loss Mitigation Department and spoke to XXXX on XX/XX/XXXX or XX/XX/XXXX to inquire about payment assistance. She suggested completing their online loan modificaiton application. I completed the application on XX/XX/XXXX and supplied all of the requested supporting documents. 

I went online to check the status of the application a couple times a week and it showed as still under review. I also called my personal contact, XXXX XXXX, and got a recorded message that my application was under review and there was no need for me to speak to anyone. 

It was about the third week that there was a Notice of Transfer message on my account that said the following : Notice of Transfer " Effective XX/XX/XXXX, your loan XXXX XXXX XXXX XXXX XXXX XXXX   will no longer be serviced by Flagstar Bank. 

Your new loan servicer of loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

After XX/XX/XXXX you can contact XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for more information. '' On XX/XX/XXXX I received a letter from Flagstar dated XX/XX/XXXX that stated that they reserved the right to accelerate foreclosure .... There may be options available other than foreclosure .... with phone number I called before. 

Why won't Flagstar acknowedge or work with me on a loan modification? I received no correspondence from them that accepted or rejected my application. They sold my loan instead of working with me to keep my home.

Flagstar has been sanctioned previously for not trying to help customers stay in their homes and illegal foreclosure. Is this more of the same?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
The names on the account are not the same names what's on my Driver 's license is not the same as the name on this credit reports agency information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
The names on the account are not the same names what's on my Driver 's license is not the same as the name on this credit reports agency information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This information is totally wrong and is damaging my report and does not belong to me. 


XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-10-09 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: FL

Complaint narrative:
Upon reviewing my updated credit report today, I felt so disappointed seeing those same inconsistent, incorrect and misleading entries that XXXX XXXX agencies has furnished on my files. I am requesting an immediate DELETION on these inaccurate accounts that these companies has added to the list of my credit history, as soon as they get to read this complaint and my letters. 

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 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 2023-10-09 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:
Upon reviewing my updated credit report today, I felt so disappointed seeing those same inconsistent, incorrect and misleading entries that XXXX XXXX agencies has furnished on my files. I am requesting an immediate DELETION on these inaccurate accounts that these companies has added to the list of my credit history, as soon as they get to read this complaint and my letters. 

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 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 2023-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want this on my credit history because these accounts are negative for me and are not mine. 

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 non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a Bank of America reported on my XXXX XXXX annual statement I did not recognize nor open. 

I called the number on my XXXX XXXX report for Bank of America at XXXX Eastern time and asked to speak with the fraud department. 

I informed them that I didn't open this account nor do I recognize it. They told me it looks like I did since there are many transactions on the account. They listed addresses I never lived at nor recognized over the phone. 

On my XXXX XXXX report Bank of America lists California drivers license : XXXX My license California number is : XXXX They wanted proof that I never opened this account, so I asked them what identification was used to open this account since my XXXX report that Bank of America stated is not my drivers license number and is different. 

They could not provide me with this and said all they had was a signature. 

So nothing was resolved hence why I am coming to CFPB now to help me resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX Account # XXXX This account is reporting inaccurately and incomplete. I have requested documentation from this Financial Institution and have not received a response or the information I requested. It has been pass 30 days. Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this account and no proper investigation has taken place and this is a violation to my consumer law rights and my mode of living. This account needs to be deleted from all 3 consumer reporting agencies immediately. 

Certified Mail 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 non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
The names on the account are not the same names what's on my Driver 's license is not the same as the name on this credit reports agency information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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:
This information is totally wrong and is damaging my report and does not belong to me. 


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 2023-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
DELETE THISES INQUIRIES 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 non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account : 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 Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging 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 non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
My name is different than the name on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Hi, I made several payments to my nelnet student loan account during the covid pause. I was initially told that payments made during this period would advance my due date ( if I selected the box to do so, which I did ) once the covie pause ended. When I got my first statement after the pause ended, the date was not advanced. The first rep I spoke with insisted that the date should have been pushed out due to the extra payments and that they would submit a ticket and follow up with the new date. They never followed up so I called and was told that no, payments made during the pause didn't not advance the due date. I called to change my plan to the standard plan and was told that my monthly payment would be close to {$300.00} a month. The new payment I now owe shows {$200.00} with XXXX payments left of my loan in some places and XXXX in other places on their website. After waiting on hold for almost XXXX hours, I was told it was XXXX. My monthly payment amount XXXX would be less money than I owe on my loan, making this not make sense. Every time I contact nelnet I get a different answer. In my opinion this company is uneducated and I do not trust them to hold my loan if they can not give correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: TX

Complaint narrative:
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 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 In accordance with the Fair Credit Reporting act. All these accounts listed above. Has violated my rights.

15 U.S.C 1681 section 602 A. States i have the rights 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 2023-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
Hi there I have citizen bank account savings and checking through the acquisition of XXXX XXXX by citizens. I am resident of XXXX XXXX and the bank has no branches here. 

I have been trying to close my citizen bank savings and checking account for many months now to no avail. I have been on the customer care line of the bank for hours many times but no one answers. The only option on the website is to visit a branch. This makes no sense to me. I have no means to close the account. 

Please help me in closing the back accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, the creditor - XX/XX/XXXX Account : XXXX - XXXXXX/XX/XXXXAccount : XXXX - XX/XX/XXXX Account : XXXX - XXXX FIN Account : XXXX - RBI ALLIANCE Account : XX/XX/XXXX Account : XXXX - XX/XX/XXXX Account : XXXX has violated my rights with respect to reporting part of an installment loan payment. 

15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish an 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