vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are more than a lot of unknown inquiries and creditors I have no awareness of. I would need assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are more than a lot of unknown inquiries and creditors I have no awareness of. I would need assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
CREDENCE RESOURCE MANAGE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$810.00} past due as of XX/XX/2023. 
Status updated XXXX XXXX XXXX {$810.00} XXXX updated XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/23, I presented claim # XXXX to Wells Fargo for a fraudulent charge made to my checking account on XX/XX/23 for {$470.00}. I received a response dated XX/XX/23 indicating my claim was denied " because too much time passed before I notified them.I did not receive any alert from the Bank as I have requested. 

On XX/XX/23 I presented another claim # XXXX for {$1000.00} charged to my business account on XX/XX/23. I received another resolution denying my claim for the same reason ; even though it indicates " we need to return any unauthorized CCD payments... no later than the second business day after the transaction occurred '' This transaction was made no later than the second business day after the transaction occurred. Nevertheless my claim was denied. I did not receive an alert either for this transaction. 
I have been a victim of many attempts to take money from my business account. They even recommend I close a previous account and open this one. The results were the same. I have been a client for XXXX  years, never before with any fraudulent attempt and no interest payment. 
I deposited the money in the bank because I don't want it to be stolen in my house. It's a shame the Bank does not want to be responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: GA

Complaint narrative:
Believe this is Illegal loan in State of Ga. Lender is not listed in XXXX . Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- TRANSUNION -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
At Experian the three representatives keep hanging up on me when I attempt to reach the company over denied credit rendering my attempts futile in obtaining the information needed to satisfy my inquiries into the matter. Experian isn't the only one XXXX does it as well. The representatives require more training to handle incoming calls whether someone is calling to update their membership, dispute an item, or dispute a possible inaccuracy on one 's credit report. This has happened numerous times and I'm starting to question myself on their investigation into disputable information. Please address due to the fact that I can not get anywhere with these credit bureaus disputing or inquiring my credit report ( s )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uplift, Inc
State: TX

Complaint narrative:
I am writing to formally express my deep dissatisfaction and disappointment with the service provided by XXXX XXXX. I would like to draw your attention to a specific incident that occurred on XX/XX/XXXX, which has caused unnecessary stress and inconvenience for me. 

On the aforementioned date, I attempted to purchase an item worth {$500.00} on XXXX and opted to use Uplifts XXXX  service. To my surprise, Uplift immediately debited an amount of {$120.00} from my bank account as the first installment. However, the same night, XXXX informed me via email that they had canceled my order due to an inability to verify my payment details. 

Given the promptness with which Uplift debited my account, I anticipated a similarly efficient refund process. I waited patiently for a week and when no refund appeared, I reached out to Uplift 's customer service. During my conversation, I was informed that refunds are typically processed within 15 days. Trusting this information, I waited another week, only to be met with continued disappointment. When I contacted Uplift again, I was told that the refund process might take up to 30 days and, to add insult to injury, I might also be liable for the next installment payment. 

This is an egregious and unacceptable practice. With the prevailing interest rates around 6 %, I am appalled to think of the significant sums these financial institutions potentially accumulate through withheld customer refunds, benefiting from daily interest. 

This situation has highlighted an urgent need for improved policies that safeguard the rights and interests of consumers. No customer should have to endure such financial inconveniences, especially when they are not at fault. I urge Uplift Inc. to expedite my refund and re-evaluate their policies to prevent such distressing experiences for others in the future. 

I expect swift resolution to this matter and hope that Uplift Inc. can regain the trust I once had in their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 I checked my Wells Fargo checking account to view my direct deposit from My job. I noticed my balance dropped extremely low, I then check my statement and see 15 charges from XXXX  that I did not make including one deposit credit of {$1000.00} that I did not make. I immediately called Wells Fargo customer service to report this and They replaced my debit card and started a claim. They advised me there will be an update within XXXX business days. Following the call, I filed a police report with my local Pd. Coming close to the XXXX business day, I miss a call from a number which is Wells Fargos claim department due to my workplace not allowing me to be on personal phones. The voicemail states that a Wells Fargo claims XXXX has a few questions for me regarding my claim and to call back this number. I call back as soon as I can and was advised that I cant connect to the case XXXX as they are in the backend team. I explained they called me at work and then I was asked to provide a time frame I can answer the phone for their call back. I gave the time frame and it was noted by the representative. The next day I was called at the same time at work, and I wasnt able to pickup the phone again. This time the voicemail stated that the claim has been decided and to call back this number. I call once again and was advised that I cant connect to the XXXX as she requested me to, and this time they asked if I have a work number I can answer the phone for the call back. I gave my work number. This is XX/XX/2023. The supervisor who noted my work number said they will call me within XXXX hours. It is now XX/XX/2023 and I didnt get any call back .i call the claims department once again and was finally given information regarding my claim. They told me that the claim was denied since Wells Fargo cant confirm fraud occurred. They advised me to file a police report, which I did weeks prior, and to contact the merchant. The issue is I did contact the merchant the same night I called Wells Fargo to report these charges. They advised me that the charges I am describing to them do not appear on my XXXX ID. Thats it, no more information at all. My wells Fargo debit card was never attached to my apple wallet before, I never used Wells Fargo on apple pay either. My XXXX XXXX account shows no transactions, and the only cards I ever had attached to my apple wallet was my capital XXXX credit card and my XXXX XXXX XXXX credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I was previously with My great Lakes on an XXXX  XXXX  and my loan was transferred to Nelnet this year. I applied for the XXXX plan in XXXX and XXXX the government website it said based on my income and debt my payment plan would be XXXX. Nelnet said they received the application in XXXX and would send me updates every 10 days. I have received no updates. I have emailed XXXX and tried calling XXXX and have gotten no response. I also can not see the repayment plan they've applied to my account anywhere and have received no correspondence via phone, email, or mail on the status of my XXXX plan or even what plan they have me on. Also rather than going down my repayment amount on the website has gone up when it should be XXXX based on my application on the government website. They are trying to hold me liable to payment despite not telling me what payment plan I'm even registered as or updating me on the processing of my payment plan application. 

I applied for the XXXX plan on the gov website on XX/XX/23 and received confirmation it was received on XX/XX/23 from nelnet and that they'd be in touch every XXXX business days to update and I've gotten no updates or information at all on my payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: CT

Complaint narrative:
On XXXX my credit file was flagged with a collection or debt in the amount of {$1500.00}. This is a false debt as I do not owe this debt by no means. 
Also, professional debt has a consent order in place from the State of CT indicating they are not licensed to act as a debt collector in the state of CT. Which they are in violation of this order. Which this consent order is attached to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: LA

Complaint narrative:
Remove Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

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.

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 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Getting changed $ XXXX insurance every month and wont accept insurance I purchased for {$97.00} a month, they paid the I shopped around the {$97.00} a month and I am being charged more than $ XXXXmonth And when I asked to pay it off the mortgage it became almost {$10000.00} more ( XXXX deferral,XXXX+interest and $ XXXX+ escrow Mortgage company name is SHELLPOINT Phone number is XXXX I am not sure if this is right, can you please help, thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank is calling XXXX or more times a day, every day, from early to late. The caller has been HARASSING me for weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My student loan with XXXX has been forgiven. It still shows up on my credit report months later. I have disputed it with Experian but they have not cleared it. When I contact XXXX via phone or online, they can not even view my account anymore to assist with this since there is no balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: GA

Complaint narrative:
Believe this is Illegal loan in XXXX of XXXX Lender is not listed in XXXX XXXX Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: GA

Complaint narrative:
Believe this is Illegal loan in State of Ga. Lender is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trott Law, P.C.
State: MI

Complaint narrative:
XXXX XXXX XXXX, XXXX, as Trustee for the pooling and servicing agreement dated as of XXXX XXXX  XXXX XXXX XXXX ,  XXXX, Asset-Backed Pass-Thorough Certificates 2004-MHQ1, By way of Trott Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXX aka XXXX XXXX XXXX and ALL OTHER OCCUPANTS 36th District court case # XXXX Stole my home that was illegally foreclosed on. After the house was paid off, probated and awarded to me. They Illegally evicted my dead step mother and all occupants. After I showed the court the original death certificates, the original XXXX XXXX probate courts order XXXX. That XXXX XXXX has been dead since XXXX  and it isn't possible to serve dead people court documents In XXXX.or to evict her in XXXX. For the illegal foreclosure or for the eviction. XXXX XXXX forged a fake eviction by making a false statement to 911 that I threatened a bailiff and the XXXX Police department Incident report # XXXX proceeded to illegally detain me, while they stole everything and locked me out of my own home. XXXX XXXX XXXX XXXX in the process. I have mailed the supporting documents. Their detailed confesion.

Company response to consumer: Closed with explanation