vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Full consolidation loan payoff was made on XX/XX/22 that was in excess of the then outstanding balance by {$1000.00}. After an already lengthy waiting period, the excess should have been refunded but still remains outstanding. I have made numerous requests to get the balance refunded to no avail ; it's always processing or awaiting approval. At this point I consider this theft. I've dutifully paid interest for years ... will I receive XXXX months of interest for their unapproved loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: DISCOVER BANK
State: NY

Complaint narrative:
On XXXX XXXX somebody used my personal information and SSN to fraudulently to open personal loan with Discovery Bank. The total amount of personal loan with interests was {$19000.00}. It all happened during my absence from the US, at this time I was residing in XXXX and couldn't do this online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Someone took a picture of my debit card and when I was on vacation in a different state was taking money out of my account until I got to the state where I live at Pennsylvania I checked my balance and {$26000.00} were stolen from me and when I went to TD Bank shows me all the chargers that were done online banking I never made an online banking before for instance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay TD Bank made a report for me declined me this happened in from XX/XX/2022 until XX/XX/XXXX Never got a phone call from the bank Never got emails or text messages or phone calls for money being spent so fast Changed my debit card somehow the same person got into my new debit card the new report said XXXX were stolen out of the new debit card the bank XXXX XXXX said its impossible for her to get your new card Ive been XXXX since XXXX when they said they cant do nothing about it I went to the police station made reports XXXX XXXX XXXX  gave up lost my XXXX  back to living at my parents house Ive been XXXX  over the bank of TD XXXX XXXX XXXX, XXXX all the way until XX/XX/2022 I am very hurt I think justice wasnt served I am out of {$26000.00} and more and I think its TD banks has no common sense and doesnt care about the people that bank there hopefully Someone can get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am the successor in interest of a residential property, where wells fargo holds the FHA mortgage, after the death of my grandmother. 

In speaking with the Wells Fargo Life Events team and the Assumption department. I have tried to discuss CFPB Interpretive rule regarding XXXX Application of Regulation Zs Ability-to-Repay Rule to Certain Situations Involving Successors-in-Interest '. 

I have been on multiple recorded phone calls with wells fargo assumption representatives where they've told me that : 1. they have no idea what rule im talking about.

2. that the rule doesnt apply, but can't tell me why it doesnt apply.

3. they tell me that a manager will call me back and then never does. 

If you listen to the multiple recorded phone calls with the representatives over the past 7 months trying to get this completed, it almost becomes clear that they push the 're-apply ' as the only option and the next words out of their mouth are " it'll cost about 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 2022-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My neighbor has imposed continual maintenance problems on me with landscaping the drainage ditch next to my house. The area has my water pipes, a power line for the street light, and some appliances reside along that wall. My insurance agent will just raise my insurance. I believe my house is being flooded with high radio frequency ( RF ) waves, this caused the street light to go out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
To whom this XXXX concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I do not approve for it to be reflected on my credit report. It is inaccurately reporting on my XXXX credit profile, as it does not show upon my XXXX and XXXX credit profiles. I believe that I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized. I have tried numerous times to contact this well as XXXX regarding this inaccuracy. I have sent a cease and desist, XXXX XXXX XXXX, XXXX XXXX letter asking to accurately verify this collection/debt through certified mail also explaining my rights and consumer laws that have been violated by their company ( XXXX ). I have received XXXX results from these company ( XXXX ). I am insisting that they be deleted from my credit report as soon as possible. There is no proof of my authorization or consent, my signature or proof of debt/contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
Company is in violation of multiple consumer laws which I have attached. Information being reported is false and does not belong to me and I do not give written instructions for this information to be furnished.

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 2022-12-07 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: FL

Complaint narrative:
Company is in violation of multiple consumer laws which I have attached. Information being reported is false and does not belong to me and I do not give written instructions for this information to be furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX  XXXX XXXX BALANCE : {$1800.00} XXXX XXXX XXXX XXXX BALANCE : {$440.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have two credit cards with Capital one. I lost my job due to Covid and I have been trying to make at least XXXX but it keeps telling me I have to pay more and will not allow me to make a payment. because of this the accounts are about to be charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX women and what is being done to me by Citibank is criminal. On XX/XX/2022 My checking account ending in XXXX was blocked by Citibank without any reason given. I called that same morning and was told my account will be closed and a check with my remaining balance of {$38000.00} would be mailed to me after XXXX, I asked to speak to a supervisor and was told none was available at the moment but that they will reach back out to me which never happened. This was the second time Citibank within 4 months Citibank had block off my account, the first time was back in XXXX after I deposited backed up funds owed to me from my Annuity Policy. I was told my account was in process of being closed at the time as well but after calling for two straight days I was able to get a supervisor who verified my account and I regain access to my account which I was told was in process to be closed. Now fast forward to now I am being told the same thing for over the past month with no access to my funds and no way to pay medical expanse, its been over 30 days and I cant reach a supervisor just rude customer service workers says the same thing that my account will be closed soon and that I will receive a check in the mail at some point. To make matters worse I received a visit from a XXXX  human resource social worker because someone felt the need to make a complaint to the city on my well being and to check on my mental state which seem to me like maybe the same customer service worker for Citibank who felt the need to block/closed my account. I called this morning after I noticed 2 direct deposit of {$1300.00} each from my annuity had gone into my Citibank account and was told it was still in process of closing and that they could not stop incoming deposit which makes no sense since the account should of been closed by now so now I am being robbed of even more funds at this point. Ive tried reaching the news at this point since Ive been informed that this is something common that Citibank does to people and just need any help I can at this point. My Citibank XXXX account number is 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 2022-12-07 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: NY

Complaint narrative:
on XX/XX/XXXX i sent dispute letters to XXXX, transunion, and XXXX to verifiy these unfamiliar accounts and inquires on my report. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, transunion, and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX transunion, and XXXX post on a credit report. I demanded to see verifiable proof with my signature that XXXX, transunion, and XXXX have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if XXXX, transunion, and XXXX are unable to provide me a copy of verifiable proof like a contract with my signature 30 days after my dispute then XXXX, transunion, and XXXX must remove the account listed below. it is now XXXX almost 60 days since i sent my letter and they haven't even responded by law they must remove all accounts and inquiries listed below. 
The following accounts and inquiries is not mine and needs to be deleted 1.XXXX XXXX XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX XXXX, Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX BANK Account XXXX 5. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15. The inquiry was not authorized SYNCB Date of inquiry : XX/XX/XXXX 2021

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 2022-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is in regards to an unauthorized online wire transfer from our savings account with Well Fargo Bank See below what has been happening : On XX/XX/2022 my husband with whom I share a joint saving account went to get money from his checking account and then realized that money was missing from the joint saving account. He then called me and I told him I did not take any money and that I would check the account as soon as I got home. I went home immediately on the morning of XX/XX/2022 and logged into my online banking account. I then noticed that {$24000.00} was wired to an unknown person along with a {$30.00} wire fee. I called the bank and spoke to a representative who had me changed my username and password and then transferred me to the fraud department. They took my statement on the phone and told me that an XXXX would contact me with 2 days. XXXX Saturday XX/XX/2022 my husband went into the bank and spoke to XXXX XXXX who assisted him in changing out his account numbers. On Monday XX/XX/2022 an XXXX called me around XXXX pm from Wells Fargo and I added my husband to the call. She asked us some questions and told us we would hear back from them in 10 days. On XX/XX/2022 Wells Fargo send us a letter dated XX/XX/2022 I went into the bank on XX/XX/2022 and no one was available to speak with me about the letter and they told me to call back the number on the letter. I called back the number on the letter XXXX and on Wednesday an XXXX called and told me that the activities happened with our username and password, I told her we never authorize that money to be wired, she told me that I would not be getting any money back and the claims is closed and can not be reopened. I asked her if this is the way they treat a customer that has been with the bank for over 19 years. She said it was our fault and she would not have any other conversation with me. I dont know what else to do to get back our money. If there is any suggestions you can make that would be greatly appreciated. Thanks so much.

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 2022-12-07 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: TX

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. 
Account name and number : XXXXXXXX XXXX XXXXXXXX Account name and number : XXXX XXXX XXXXXXXX, Account name and number : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX. XXXX XXXX XXXX  Account # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX Acct XXXX XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX. XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX has violated my rights. 

1

5 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 c
onsumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-12-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX. XXXX XXXXXXXX XXXX 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 Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX Acct XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: NY

Complaint narrative:
15 USC 1681a ( 2 ) ( a ) ( i ) REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ACCOUNT - 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 2022-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: FL

Complaint narrative:
I spoke to FMA alliance and informed them that this was my maiden name and has not been used in over 40 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 response to consumer: Closed with explanation