vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To CFPB I am writing to express my dissatisfaction with the way Wells Fargo Bank handled my complaint. I filed a complaint on and I have not received any satisfactory response or resolution from your bank. 

According to your own [ Complaints and Feedback Policy ] ( XXXX XXXX XXXX ), you are supposed to acknowledge my complaint within and provide a final response within However, it has been since I filed my complaint, and I have not heard anything from you except for automated messages and empty promises. 

This is unacceptable and unprofessional. You have failed to meet your own standards of customer service and violated my rights as a consumer. By delaying and ignoring my complaint, you have effectively made it expire and prevented me from pursuing any further action. 

I demand that you take my complaint seriously and provide me with a fair and timely resolution. I expect to hear from you within with a detailed explanation of what you have done or will do to address my issue. If you fail to do so, I will have no choice but to escalate my complaint to the appropriate authorities and seek legal recourse. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revolution Financial Inc.
State: TX

Complaint narrative:
Calling before working hours, calling XXXX times before even XXXX my time, calling and leaving lengthy voicemails for something that does not concern or involve me.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-31 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: MA

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 2024-01-31 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: MA

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 explanation
Consumer complaint received 2024-01-31 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: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX 4. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this 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 non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I applied for a credit card as I am filling out the application they do not have any confirmation screen telling you about the credit limit and they do not let you now that you are about to start a credit line. This is done to mislead people cause they have no choice. And they know people wont deal with. They did this on purpose with a XXXX XXXX apr and there misleading tactics. Next is not a confirmation I would like to know what the credit limit is and if that button is going to create a credit line. This should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute certain accounts that have been listed on my credit report, and I am concerned about the discrepancies and potential fraudulent activity associated with them. Upon reviewing my credit report, I identified the following accounts that raised significant questions due to inconsistencies in reported information : 1. XXXX - ( Account # : XXXX ) 2. XXXX ( Account # : XXXX ) 3. XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX I am troubled by the incongruities in the details, such as outstanding balances, dates, amounts, and credits, as reported by different credit bureaus. Additionally, I have not initiated any recent credit applications or authorized anyone else to apply for credit on my behalf. Therefore, the inclusion of these accounts on my credit report raises concerns about potential fraudulent activity. 

I kindly request a thorough investigation into these accounts, and I would appreciate your assistance in providing the following information : Verification of the accuracy of each account listed above. 
Clarification on the source of information and the verification process employed. 
Confirmation from the assigned creditors regarding the ownership of these accounts. 

Given the seriousness of this matter, I urge to expedite the investigation and, if necessary, promptly remove these potentially fraudulent accounts 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 2024-01-31 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: CA

Complaint narrative:
I scheduled a payment of {$18000.00} on XX/XX/XXXX at XXXX PST to pay off my student loans through the website. This was the entire loan balance left on my account and the website did not allow me to enter any values above what I owed because it is the maximum amount. The payment processed on XX/XX/XXXX and the balance on the website after the payment processed was {$0.00}. I checked my Nelnet account on XX/XX/XXXX and now I owe {$100.00}. I don't know where this {$100.00} came from. I contacted Nelnet, spoke to a representative over the phone, and the representative mentioned that processing payments take time, therefore while my payment was processing, interest accrued. However, after my payment in XX/XX/XXXX processed, I somehow still owed {$100.00}. The representative later told me that the {$100.00} is from the interest accrued by XX/XX/XXXX, but this was never reflected on the website and was not calculated as part of the payment balance. 

The representative also told me that if I paid {$100.00} today ( accounting for interest accrual until the payment processes ), I would payoff my loans. When I tried to enter this value into the website, an error occurs where I can not make a payment value ( {$100.00} ) that exceeds my balance value ( {$100.00} ). 

The Nelnet website provided me with inaccurate information about my loan balance and persists the inaccurate information by not allowing the user to enter a value higher than the inaccurate account balance to pay off the balance ( accounting for interest accrual for the days it takes to process the payment ). How is a user supposed to know that the balance on the website is not the entire balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX, XXXX Made the check amount for my rent {$880.00} XXXX XXXX says the check was deposited into my landlords account, no one has the time that she deposited it. I had {$650.00} in the account. 
XXXX XXXX XXXX-overdraft {$220.00}, XXXX {$1000.00} deposited from my direct deposit, the remaining amount is {$770.00}. Everything appeared fine. 
XX/XX/XXXX. received an email saying I had insufficient funds at XXXX, when I awoke my account had {$1600.00}. 
I called and asked them why they returned the check they said i didn't have enough money when she deposited the check, then they said a check takes XXXX days to process, so if it takes XXXX days and within hours I had the funds in the account, why was the check returned? The answer was I had insufficient funds. I asked again, if it takes XXXX days, and she deposited the check on the XXXX, and I had the funds to cover my insufficient funds within hours, why was the check returned? No one could give a straight answer, when they did answer. I called the bank 6 times, I got someone who couldn't tell me anything, I got someone who hung up on me, I got the buy signal and hung up on, I got someone who " tried '' then she transferred me to someone who couldn't answer anything I asked him, then said we will file a complaint for you, I asked how, he said with us BMO. Then hung 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 2024-01-31 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: MO

Complaint narrative:
Look at this over XXXX disputes experian lied and notified me that the results are ready to view online LIE LIE LIE LIE LIE LIE LIE LIE you can't, once again this is a PLOY SO EXPERIAN CAN SAY THEY ARE WORKING WITH YOUTO THE FEDERAL GOVERNMENT BUT THEY ARE LYING

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 2024-01-31 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: NY

Complaint narrative:
I have sent numerous letters to the credit bureaus requesting that several accounts be validated that are on my credit reports. Despite my numerous letters, these accounts are still reporting inaccurately. 

XXXX continues to report the payment history different on all three bureaus. 

and XXXX XXXX XXXX ( XXXX XXXX XXXX ) continues to report the payment history different on all three bureaus. 

Per the FTC, this should have been corrected already per my numerous requests.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent numerous letters to the credit bureaus requesting that several accounts be validated that are on my credit reports. Despite my numerous letters, these accounts are still reporting inaccurately. 

XXXX continues to report the payment history different on all three bureaus. 

and XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) continues to report the payment history different on all three bureaus. 

Per the FTC, this should have been corrected already per my numerous requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
I submitted all the documents for PSLF in order to have my loans fully forgiven during the TEPSLF period. I have received documentation from the loan servicer that they received my documents and that they are under review. I called my loan servicer to get an update on the status of my loan forgiveness and was told that they didn't have my application and that I needed to submit a new one under the current forgiveness program. I uploaded the letter that they sent me saying that they have the documents, and was still instructed to complete the form again to take advantage of the current forgiveness programs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Complaint Details This business took an unauthorized payment of {$400.00} from my checking account on XX/XX/XXXX, which took my account into the negative. I had NO payment scheduled. During a conference call with Santander and XXXX, it was confirmed that the money had cleared my checking account, with no chance of being returned for insufficient funds. The Santander agent told me that rather than refund it, it would be applied to my loan, which it has not been. The last posted payment is XXXX, in the amount of {$200.00}. Now Santander is stating they have no info regarding this {$400.00}. The bank has not returned it, and Santander has no record of it. Now I am considered delinquent on my account by more than 40 days, which I wouldnt be if they applied the money to the loan. Santander owes me that {$400.00} Update. XX/XX/XXXX Santander has every piece Of proof they have requested, including my bank statements from the date of the transaction XXXX, up to last friday, XX/XX/XXXX. There have been multiple conference calls to my financial institution, including one with the electronic funds department, ALL confirmed that Santander was the last handler of the funds. It cleared my bank account, there was no return, it was not applied to my loan, and Santander is acting like they know nothing about this complaint, every time I call. They even reported this as delinquent to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: PA

Complaint narrative:
I sent the follow letters to Experian, XXXX and XXXX XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX I am also requesting the following companies stop reporting to any consumer reporting agencies on my behalf immediately : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-31 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
Collection Agency : Mercantile Adjustment Bureau Creditor : XXXX  aka XXXX  XXXX  Amount of Debt : {$160.00} I have made several attempts over the past XXXX years for Mercantile Adjustment Bureau to verify proof that I used the services provided by XXXX. I have sent countless formal requests via certified mail asking for Mercantile Adjustment Bureau to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with twelve ( XXXX ) months of billing statements showing I used the services, all to no avail. I have requested this information via certified mail for two years and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX. 

Collection Agency : XXXX XXXX XXXXXXXX Creditor : XXXX  aka XXXX  XXXX  Amount of Debt : {$160.00} This debt listed with The XXXX XXXX is a duplicate entry for the same debt Mercantile Adjustment Bureau lists on all my credit reports. I have made several attempts over the past few months for The XXXX XXXX to verify proof that I used the services provided by XXXX. I have sent countless formal requests via certified mail asking for The XXXX XXXX to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with twelve ( XXXX ) months of billing statements showing I used the services, all to no avail. I have requested this information via certified mail for two years and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation