vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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  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 an 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 non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I used my Wells Fargo checking account to make a payment on my XXXX XXXX Credit Card. Despite having more than enough funds in my Wells Fargo Account, it claimed to have some sort of issue and took the money back from XXXX, without putting it back into my account. Because of this, my credit card balance remained the same ( but I also got charged {$41.00} on XX/XX/XXXX by XXXX for returned check charge ) and Wells Fargo kept the money without returning it to me. The payment I made was {$120.00}, so with the {$41.00} fee, I am out {$160.00} because of Wells Fargo. My credit card review shows Wells Fargo made and withdrew the payment twice. This isn't the first time Wells Fargo has played with my money and I've seriously considered switching banks but I want my money back first.

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 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
On XX/XX/2023 I made a payment of {$10000.00} that I indicated would apply to the highest-interest loan on my account ( 6.540 %, unsubsidized, XXXX XXXX in their system ). I specifically indicated that I wanted to pay by group, and picked group AI. They did not provide a receipt for my payment at all. 

They instead allocated the payment between several loans, including some of my subsidized, lower-interest loans that I don't want to pay off yet. I attempted to call them on XX/XX/2023 to rectify this issue, but it's not possible to reach them due to their increasing call wait times. Meanwhile, interest will continue to accrue every day this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My son had a XXXX  account with Wells Fargo. He received notifications on his phone that new recipients were added to XXXX on a XXXX  XXXX. We checked his account when he noticed and all his funds had recently been transferred out of his account. We called the bank immediately to complain and alert them of the potential fraud. The transaction was still flagged as pending given that it happened on a XXXX 

Wells Fargo took our report and promised to investigate. They conducted their investigation and decided that the transaction was valid since according to them it was initiated from an authenticated device. No evidence was provided of this being the case or explanation of how that could happen if my son didn't initiate the transaction. They told us that the determination was final. Total loss was {$360.00}.

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 2023-09-06 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting AcXXXX 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 has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Submitted a dispute with Experian regarding incorrect information on XXXX tradelines from XXXX XXXXXXXX. Creditor retaliated for the dispute at almost the last minute by marking it as presently being a charge-off account, while simultaneously keeping it with a closed/ paid off remark. Experian claimed that the information was verified, even though I provided documentation that the accounts were never late to begin with, and despite the fact that it's long since showed paid off. Experian is clearly not paying attention to details.

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 2023-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo has repossessed my vehicle on XX/XX/XXXX, without notice, in violation of the CFPD Consent order XXXX and the US Office of Currency consent order of XX/XX/XXXX. 

I have not received any communication regarding this account since XX/XX/XXXX. No notice was sent prior to this action. Moreover, Wells Fargo has not fixed my account in regard to the consent order and under XXXX Emergencies XXXX. 

Wells Fargo has violated " Breach of Peace '' in regard to Maryland Law. Maryland Law requires to not breach the peace when repossessing a car. Cars parked on the street, in a driveway or in a public parking lot may be repossessed by the lender. However, if the car is housed inside a locked garage or gate, the lender may not enter by unlawful means to repossess the vehicle. My vehicle was housed in a locked garaged and Wells Fargo agent unlawfully entered the premises without notice unlawfully. Lenders may not repossess a vehicle unless there is an agreement in writing that clearly states the lender can repossess the vehicle if the debtor fails to make the agreed upon payments.

Wells Fargo continues to provide canned answers to appease the investigating agencies yet fail to act in coordination with consent orders entered. Wells Fargo acts in a manner above the law. 

In light of the Administrative Proceedings File # XXXX ; Wells Fargo Continues to bully consumers violating them for undue unjust enrichment by use of " Unclean Hands ''. This behavior is repulsive and severe enforcement must prevail in prevention of this untamed savage behavior. This behavior is so widespread, Wells Fargo has lost accreditation with the Better Business Bureau. Wells Fargo fails to correct their records and bring an end to this beastly behavior.

My account has been charged additional monies not agreed upon. Although I am a party of the administrative consent order. Wells Fargo is continuing the same behavior without respect to their consent order. They are stating checks have been sent to me in refund that have not ( see attached ). No replacement check issued.

I am utterly disappointed and disgusted over the ongoing and continued behavior. I have completed the amortization on the loan and found the additional principal payments were not applied as paid commencing from XXXX. Moreover, I have paid three times the interest amount which in itself constitutes Wells Fargo has reneged on the Consent Order. Wells Fargo had thugs and thieves break into a locked closed garage on Private property, unlicensed to be onsite, steal my vehicle under false manufactured numbers. Wells Fargo is in receipt of payments made which are not credited to my account.

The repossession of my vehicle is in immediate violation of the consent order and I request immediate action accordingly.

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 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
USBank unfairly assessed me hidden charges to allow my debit card to gain a negative balance, then assessed me unfair charges for being overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$580.00} I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record. 
I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: NC

Complaint narrative:
Submitted a dispute with XXXX regarding incorrect information on 2 tradelines from POSSIBLE FINANCIAL. Creditor retaliated for the dispute at almost the last minute by marking it as presently being a charge-off account, while simultaneously keeping it with a closed/ paid off remark. XXXX claimed that the information was verified, even though I provided documentation that the accounts were never late to begin with, and despite the fact that it's long since showed paid off. XXXX is clearly not paying attention to details.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I received a copy of my XXXX XXXX and Early Warning Services consumer report and I've noticed false and misleading information from Bank that I've committed allege fraud. On behalf of disputing the inaccurate information with XXXX XXXX and Early Warning Services they have concluded that the information within my file has been investigated and was indeed verified as accurate by XXXX  XXXX XXXX. Both corporations have also confirmed that they are unable to provide me with copies of documentation of proof on how the information is accurate and verified in my file for checking account fraud that is being furnished to them by Bank XXXX XXXX. On XX/XX/2023 I've sent certified mail with return receipt, Tracking number is XXXX. I am yet to hear a respond and the investigation and any proof supporting their claim of the allege fraud. This is causing me great stress and defamation of my character. I have attached two letters supporting my case for this specific situation to get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I received a copy of my Chex Systems and XXXX XXXX XXXX consumer report and I've noticed false and misleading information from Bank that I've committed allege fraud. On behalf of disputing the inaccurate information with Chex System and XXXX XXXX XXXX they have concluded that the information within my file has been investigated and was indeed verified as accurate by XXXX  XXXX XXXX. Both corporations have also confirmed that they are unable to provide me with copies of documentation of proof on how the information is accurate and verified in my file for checking account fraud that is being furnished to them by XXXX  XXXX XXXX. On XX/XX/XXXX  I've sent certified mail with return receipt, Tracking number is XXXX. I am yet to hear a respond and the investigation and any proof supporting their claim of the allege fraud. This is causing me great stress and defamation of my character. I have attached two letters supporting my case for this specific situation to get resolved.

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 2023-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: MI

Complaint narrative:
Dynamic Recovery Solutions is attempting to furnish an account in my name by contacting by mail in reference to a charged off debt from a finance institution. According to U.S. code they have no right to furnish any account without my approval rendering any 3rd party collector ineffective. I intend to file a cease and desist along with reciept ( according to U.S. code ) of transaction by registered mail.

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 an account without written instructions 15 U.S. Code 1692c Communication in connection with debt collectors ( c ) ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 1 to advise the consumer that the debt collectors further efforts are being terminated ; 2 to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3 where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
IF SUCH NOTICE FROM THE CONSUMER IS MADE BY MAIL, NOTIFICATION SHALL BE COMPLETE UPON RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: AZ

Complaint narrative:
File a dispute with Equifax regarding XXXX collection account verification in the amount of {$130.00}. On XXXX XXXX. Once the account was verifiedI contacted XXXX XXXX ( the creditor ), and was told the account would be delted from reporting upon full payment of the balance owed within 30 days. 
I paid the amount of {$130.00} in XX/XX/2023. However, didn't recieve the account deletion letter. 
On XXXX XXXX I filed another dispute with Equifax to remove the account as of today XX/XX/2023 it is still under re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: LA

Complaint narrative:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.

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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
During XXXX I received a letter about one of my business accounts being restricted due to routine KYC checks. Citibank requested me to contact either the branch or they KYC department. I did both. They asked me to sign a few forms, which I did on XX/XX/XXXX at the branch. It's been more than a month since then. I've called both the branch and their KYC department to follow up, and they have been telling me for the past month or so that they have " all the information they need '' and it's up to the analyst to unlock my business account, but the analyst is never available. 

Well, it's been more than a month contacting them, hearing the exact same answer and they just don't unlock their account. We couldn't even pay salaries by the end of month because we can't even cash checks. Citibank has been extremely negligent and they just don't care. It's been by far the most frustrating experience I've ever had with a bank. I am already opening new bank accounts elsewhere, but I still need them to unlock my accounts to acces the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 XXXXXXXX XXXX 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 an 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 non-monetary relief
Consumer complaint received 2023-09-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called Chase Sapphire credit card repeatedly about how to get a refund. I spoke with Dispute and Customer service dept. I was told different information by every representative I spoke with and they kept transferring me to the other dept. I was told to file a dispute and cancel it once the merchant responded. Then I was told I received the refund, then I didn't receive the refund. A few weeks ago, I was told to reopen the dispute. Today, I was told I wasn't supposed to cancel the dispute and disputes can't be reopened. Also, it didn't matter that a Chase rep told me to cancel the dispute and didn't tell me the funds could no longer be refunded. 
When I contacted the merchant.They repeatedly said they sent a refund to my bank but it appears Chase will not credit the funds to my account because they don't know how after a dispute is closed. 

They also refused to contact the merchant to request a refund.

Company response to consumer: Closed with monetary relief