vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
My legal first name has been updated on all identification and financial documents, aside from my XXXX loans held by EdFinancial. I have submitted requests for my first name to be updated along with all supporting documents of legal name change for over a year now and the change has yet to be made. I have an email to EdFinancial dated XX/XX/2022 requesting a timeframe for this update to be made as well as their response stating it will take 7-10 business days.

In the XXXX days since this email, my loans or correspondence related to my loans have yet to be updated to show my legal first name. In the over 600 days since my initial request, I have submitted additional requests via EdFinancial 's " inbox/upload documents portal '', called their customer service line, emailed their customer service line, and attempted online chat numerous times to no avail. 

In my most recent email requesting attention be paid to this issue, I was told that it would take an unknown period of time to resolve. 

I am a transgender individual and I want to emphasize how degrading it is to be made to pay a bill to EdFinancial every month using a name that is no longer accurate ( or legal ). My requests are continually ignored. They have no support for individuals like myself who are simply asking for the most basic respect of being called the correct name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I purchased a home in XXXX Oregon in XX/XX/XXXX, in XXXX I had financial hardships which led me to calling Wells Fargo and asking them to refinance my loan and help me stay in my home. I begged Wells Fargo for help explaining my situation and asking for a workable solution which could have been refinancing my existing loan. They just continued to tell me there was nothing they could do. 
Dealing with Wells Fargo was exhausting and demeaning. They would switch you around to different people. I was then told I was being foreclosed on and that I would need to move. I continued to make house payments for 3 months but WF started foreclosure proceedings.

Prior to moving I contacted Wells Fargo and told them the exact day I was leaving the house and I would drop the house keys off at Wells Fargo which I did. I assumed they would watch out for the house knowing it would be vacant. 
I moved XX/XX/XXXX to Nevada shortly after I moved squatters broke in. They went to the street turned on the water and ran up {$1000.00}. + dollar bill and sent me to collections. I called Wells Fargo mortgage and asked them to help secure the house which they did nothing. I asked XXXX police to see if they could remove them since I lived in Nevada and could not help. They did go over and tell them to leave. Not long after that squatters came back cut the lock off the water main in the street and broke in again. I called Wells Fargo again and asked for some type of assistance in securing the house to prevent damage they told me I was responsible until the property is foreclosed on but they couldnt tell me when that would happen. The police went back and kicked the squatters out again and boarded up the property weeks later I received a letter from the city saying they were going to sue me for having the house boarded up. I called Wells Fargo again trying to get some help with the house but they essentially said its your problem we dont know when it will foreclose till then its your problem. 
When Wells Fargo finally foreclosed they made a homeowners claim against my insurance company! They had the nerve to say household items were missing! No kidding! how many times had I tried to get help from Wells Fargo to secure the property. My entire dealings with Wells Fargo and their total disregard for me or my home the took 2 years to foreclose on was astounding. The shame I endured losing my home the city I loved and my friends was heartbreaking. The house sold in XXXX for XXXX and is now worth 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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 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 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 XXXXXXXX has violated my rights. Or list of inquiries 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 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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

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 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 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 XXXXXXXX has violated my rights. Or list of inquiries 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 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 2023-12-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: DEBT 0, INC
State: TX

Complaint narrative:
I hired this company in XXXX and started paying them on XX/XX/XXXX to reach an agreement with my credit cards. They promised that they would give me an answer in 2 months. I called in XXXX and they always said that they were in negotiations with the bank. They continued to charge in advance and on XX/XX/XXXX I contacted the bank and they told me that they had not communicated with them. On XX/XX/XXXX, I requested the cancellation of the program because my cards were out of payment for more than 6 months and one fell into XXXX. I myself started talking to the bank about my situation. This company supposedly began negotiating with the banks but I had already sent them my cancellation request and I have proof. They told me that since they had already spoken with the banks they could not return the money and they stole {$3700.00} from me. I made my payments from XX/XX/XXXX to XX/XX/XXXX. I received an email from this company where they say that they made negotiations with the banks, and they were no longer authorized to do so because I had canceled them, and the email said that they can not return the money to me because they did the work and it is a lie. They damaged my credit, stole from me, and acted without my authorization. I myself negotiated with the banks as soon as I canceled 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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to inquire about the status of my previous letters, sent via mail and the Consumer Financial Protection Bureau ( CFPB ), regarding the reinvestigation and removal of disputed negative items from my credit report. 

To date, I have not received any resolution or response from your department concerning my request for the removal of inaccurate and misleading accounts. I have consistently brought to your attention the following accounts that, according to my understanding, should not be present 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 non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There is an XXXX XXXX XXXX XXXX ATM closer to me than a Wells Fargo ATM and it claimed to take my card. I used it to deposit {$300.00} in cash on XX/XX/2023, however, the ATM claimed it could not deposit one or more bills and therefore did not deposit any of the money. It did not return the bills, only my card and gave me a receipt instead. The transaction did not appear on my Wells Fargo app or records. I called the service number on the receipt from the XXXX ATM on XX/XX/2023 and they said they could not issue me any credit because I bank with Wells Fargo and Wells Fargo had to resolve the issue with them. I filed a claim with Wells Fargo the same day, XX/XX/2023, and it was closed XX/XX/2023 but I did not receive the money. I was able to reopen the claim on XX/XX/2023 because it was not reported the first time that the ATM was a non-Wells Fargo ATM. This time I also sent in an image of the receipt the ATM printed. The claim was closed once again on XX/XX/2023. It was never disclosed that both times the claim was closed and unable to be resolved because the receipt was not proof enough of the transaction until XX/XX/2023 when I called a last time to ask for the reason why I was not being issued the credit missing. Wells Fargo claims to be unable to resolve the issue because the XXXX ATM voided the transaction, preventing it from appearing on my transaction records and eliminating digital trace that my card was entered into the ATM, despite the receipt issued by the ATM that has the first and last four digits of my card printed on it, along with other information of the transaction.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: MD

Complaint narrative:
I formally dispute Inquiries on my credit report with Equifax about False Inquiry on my credit report. Equifax is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry. Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave No One any written consent to report anything on my consumer reports no consent is Fraud and Under 15 U.S Code 1602 ( p ) - Unauthorized use of my Information. Remove all of the fraudulent Inquiry off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to inquire about the status of my previous letters, sent via mail and the Consumer Financial Protection Bureau ( CFPB ), regarding the reinvestigation and removal of disputed negative items from my credit report. 

To date, I have not received any resolution or response from your department concerning my request for the removal of inaccurate and misleading accounts. I have consistently brought to your attention the following accounts that, according to my understanding, should not be present on my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to inquire about the status of my previous letters, sent via mail and the Consumer Financial Protection Bureau ( CFPB ), regarding the reinvestigation and removal of disputed negative items from my credit report. 

To date, I have not received any resolution or response from your department concerning my request for the removal of inaccurate and misleading accounts. I have consistently brought to your attention the following accounts that, according to my understanding, should not be present 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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/16 I traded in my XXXX XXXX to XXXX  of XXXX XXXX  for a brand new XXXX They couldn't obtrain financing and pay off my trade till XXXX. They didn't notify me and I repeatedly contacted because I was also unable to obtain a legal plate within 30 days and could n't drive the financed car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/16 I traded in my XXXX XXXXr to XXXX  of XXXX XXXX for a brand new XXXX  They couldn't obtrain financing and pay off my trade till XXXX. They didn't notify me and I repeatedly contacted because I was also unable to obtain a legal plate within 30 days and could n't drive the financed car.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. Upon reviewing my credit report, I noticed some inaccuracies regarding late payments that are negatively impacting my credit score.

I understand the importance of accurate and up-to-date
information on credit reports, and I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following entries : XXXX XXXX XXXX. XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX. customer service XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service After conducting a thorough review of my financial records, I can confirm that these late payments are either inaccurate or were reported in error. I kindly request that you investigate this matter and, if appropriate, remove or correct the mentioned late payments from my credit report. 

I appreciate your prompt attention to this issue and request that you notify me of the results of your investigation. If the late payments are found to be inaccurate, I kindly ask for their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is an account which Ive had for over 20 years Ive always had it on auto pay hence why there should be no late payments on this account however it shows XXXX XXXX days late. Even though the account has been closed now Ive contacted the company on numerous occasions to get this record corrected but they have refused. Ive also requested an accounting of my payments from the day my account was opened so I can verify that I have never been late. 

Also under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit account as late.

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