vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 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: CO

Complaint narrative:
On XX/XX/23, Upon reviewing my checking account NO # XXXX Transactions, I noticed 3 transactions in the amount of {$60.00}, {$40.00} and {$40.00} have been charged from my checking account by an unauthorized person then the fraud department filed a fraud investigation. Two days and by XX/XX/23, another amount in the amount of {$750.00} and {$50.00} were again taken from my account by an unauthorized person. Again i contacted the fraud department and they confirmed that they have sent these items to be investigated. I was then told that I will be contacted after 10 business days on their finding and my account will be credited for all the amounts. Then on XX/XX/23, when i contacted the fraud department they told me that they will not be refunding back all the unauthorized amounts. the total unauthorized amounts were {$940.00} The bank then ( Wells Fargo ) told me that due to a 60- Day liability clause. they will not be refunding back the total amount of {$940.00}. I find this incredible and very suspicious to believe so I decided to purse a further investigation in order to get my money refunded. I will gratefully like to hear from you guys. The fraud department phone number is XXXX XXXX FYI too the Ref NO for this investigation by the wells fargo fraud department is XXXX. With this Information i hope you can help me get the truth by talking to wells fargo. my name is XXXX XXXX XXXX and my number is XXXX XXXX XXXX. Please let me hear from you

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 2023-10-21 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: PA

Complaint narrative:
XXXX XXXX made an unauthorized credit inquiry on XX/XX/XXXX that is being reported on my Transunion credit report. I did not apply for credit with XXXX XXXX or otherwise authorize the enquiry. 
I have written to XXXX XXXX multiple times. They have acknowledged that the enquiry was not authorized and told me that they have contacted Transunion to have the enquiry removed, but the enquiry is still being reported by Transunion on my credit report as of XX/XX/XXXX. 
The unauthorized enquiry has caused and is causing me harm by lowering my credit score and increasing my costs for credit.

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 2023-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: MI

Complaint narrative:
Loan care offered me a modification during the XXXX pandemic and they told me that they would add the payments to the end. They told me that it wouldn't effect my payment history or to cause me to lose my home. They assured me that it wouldn't hurt my credit or cause any other issues that wouldn't prevent me to buy another house in the future. Then I decided to sell my home which I ultimately did and wanted to buy another home. During the process of buying a home, I find out that they have reported my loan late several times which hurt my credit and chances of buying a home. I sold my home in XXXX of XXXX and had to rent because my credit was effected. I called and the person told me that it was an error and it would be corrected. I decided to rent and then try again which I did about a month ago. Surprise to me was that they didn't correct the report and my credit was still bad due to their error. I've called multiple times over the years and their service is inconsistent and appears to be unorganized. I've spoke to other people who have experienced the same situation with Loancare. Their carelessness has caused my credit to stop me from buying a home or having to settle for worse than normal loan terms. Please help because I can't be the only one who has had issues with Loancare. Thanks,

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have told this company to freeze my credit account and to notify all XXXX credit reporting agencies to put an extended freeze on my account but they keep allowing other people to remove the freeze I have placed. Ruining my credit score and making it appear like Im working at other companies. Ive never worked at XXXX or XXXX although Ive been ordered there several times. My phone number is not up to date. The site said they are open but when I called they said they are closed. They will not send me my credit report so I can prove to lenders what my credit rating was when they told me. Plus I still have these XXXX XXXX XXXX on file when that was the card my employer and XXXX XXXX had shut off intentionally that I used to buy my XXXX with. Even though I had a prepaid credit card I could use for prescriptions until they dropped all my benefits to XXXX time and time again. XXXX XXXX from the XXXXXXXX XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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:
These transaction were not made by me and furthermore, I never gave written permission to report this information OR furnish this information on my consumer report. 
State of Maryland, 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 2023-10-21 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:
XX/XX/23 Opened XXXX XXXX XXXX at a store location through customer service. 

I never received the credit card or credit card statements. 

XX/XX/23 I contacted XXXX XXXX card services to report that my credit card was never received. Customer services representative updated my address on my profile. The address on file was incorrect, so the credit card and statements were going to the wrong address. Customer service stated that my account was more than 30 days past due. I immediately paid the account and requested that the late payments and late payment reporting be removed from my account and credit report. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent a letter stating that all reference to late payments have been removed and removal has been reported to XXXX, XXXX, XXXX and TransUnion. 

XX/XX/23 Contacted XXXX XXXX XXXX XXXX after contacting all XXXX credit bureaus because the late payment reference had not been removed from my credit report. Customer service representative stated that they would send the information to remove late payment reference. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 Contacted XXXX XXXX XXXX XXXX again because because late payment reference still not removed. Customer service representative stated they would review my account again. I requested the employee 's ID number. Employee refused to give me any confirmation number of action or their employee ID number. Requested to speak to a supervisor, who also just stated that they would review my account. Supervisor refused to give me their ID number. Supervisor would also not transfer me to a higher level supervisor. The supervisor, XXXX, stated that she would sent the request to all credit bureaus to remove the late payment charge. She would not confirm that I would receive a response from XXXX stating that such action was taken, nor would she provide me a confirmation number or anyway to follow up on this outcome.

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 2023-10-21 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:
XX/XX/23 Opened XXXX XXXX XXXX at a store location through customer service. 

I never received the credit card or credit card statements. 

XX/XX/23 I contacted XXXX XXXX card services to report that my credit card was never received. Customer services representative updated my address on my profile. The address on file was incorrect, so the credit card and statements were going to the wrong address. Customer service stated that my account was more than 30 days past due. I immediately paid the account and requested that the late payments and late payment reporting be removed from my account and credit report. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 XXXX XXXX  XXXX XXXX XXXX XXXX sent a letter stating that all reference to late payments have been removed and removal has been reported to XXXX, XXXX, Equifax and XXXX. 

XX/XX/23 Contacted XXXX XXXX XXXX XXXX after contacting all XXXX credit bureaus because the late payment reference had not been removed from my credit report. Customer service representative stated that they would send the information to remove late payment reference. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 Contacted XXXX XXXX XXXX XXXX again because because late payment reference still not removed. Customer service representative stated they would review my account again. I requested the employee 's ID number. Employee refused to give me any confirmation number of action or their employee ID number. Requested to speak to a supervisor, who also just stated that they would review my account. Supervisor refused to give me their ID number. Supervisor would also not transfer me to a higher level supervisor. The supervisor, XXXX, stated that she would sent the request to all credit bureaus to remove the late payment charge. She would not confirm that I would receive a response from XXXX stating that such action was taken, nor would she provide me a confirmation number or anyway to follow up on this outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: CBC Companies, Inc.
State: PA

Complaint narrative:
XX/XX/23 Opened XXXX XXXX XXXX at a store location through customer service. 

I never received the credit card or credit card statements. 

XX/XX/23 I contacted XXXX XXXX card services to report that my credit card was never received. Customer services representative updated my address on my profile. The address on file was incorrect, so the credit card and statements were going to the wrong address. Customer service stated that my account was more than 30 days past due. I immediately paid the account and requested that the late payments and late payment reporting be removed from my account and credit report. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent a letter stating that all reference to late payments have been removed and removal has been reported to Innovis, XXXX, XXXX and XXXX. 

XX/XX/23 Contacted XXXX XXXX XXXX XXXX after contacting all XXXX credit bureaus because the late payment reference had not been removed from my credit report. Customer service representative stated that they would send the information to remove late payment reference. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 Contacted XXXX XXXX XXXX XXXX again because because late payment reference still not removed. Customer service representative stated they would review my account again. I requested the employee 's ID number. Employee refused to give me any confirmation number of action or their employee ID number. Requested to speak to a supervisor, who also just stated that they would review my account. Supervisor refused to give me their ID number. Supervisor would also not transfer me to a higher level supervisor. The supervisor, XXXX, stated that she would sent the request to all credit bureaus to remove the late payment charge. She would not confirm that I would receive a response from XXXX stating that such action was taken, nor would she provide me a confirmation number or anyway to follow up on this outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MD

Complaint narrative:
On XX/XX/XXXX I called cardinal mortgage to inquire about the HAF fund that was allocated to and my husband to help in a loan modification process. The reason I called was because my new servicer XXXXXXXX XXXX stated they could not locate the HAF fund that was received, the fund was never transferred to my new loan servicer though it was received On XX/XX/XXXX, XXXX XXXX contacted Cardinal regarding the receipt of mortgage assistance funds in the amount of {$60000.00} from the Maryland Homeowner Assistance Fund ( HAF ) agency. XXXX XXXX was advised that Cardinal received and forwarded said funds to the Cash Department for processing. ( Per prior complaint response from Cardinal made in XXXX. ) the fund was never transferred and Cardinal confirms receipt to the HAF department on XX/XX/XXXX per HAF. 
The fund was received prior to transfer and was never transferred and cause a delay in my partial claim process. The new servicer XXXX XXXX is not willing to wait for the fund and sent me a modification which will cause my interest rate to increase. The HAF fund would have allow me to benefit for a partial claim which would have caused my interest rate to remain the same. 
It seems as if this is plan by both mortgages to increase my interest rate especially for XXXX XXXX to benefit more from my loan. 
I have been asking where is the fund, HAF has no record of the fund being returned to them. Cardinal is unable to tell me where is the fund. 
XXXX XXXX sent me modification paperwork to sign 14 days from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an 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 2023-10-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened an account with Wells Fargo in XX/XX/XXXX. The reason I opened the account was because they promised a {$300.00} promotional bonus for opening an account, and depositing {$1000.00} within 90 days. 

I have not received the bonus and called the wells fargo customer service on XX/XX/XXXX. The agent I spoke to kept asking me for details about the promotional bonus, and claimed not to be able to locate the offer on her end. Additionally, they claimed that the customer is responsible for proving that they had a promotional bonus on offer at account opening. They refused to provide any further details related to my account or the promotional bonus. 

I consider this to be FALSE ADVERTISING since the primary motivation for opening the account was a promotional bonus. I won't share my banking details in this form, but you or Wells Fargo can contact me directly with the information I provided.

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 2023-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I made payments on my loads during the COVID pause prior to them being transferred from XXXX to Mohela. I contacted Mohela to request a refund and this was processed and sent over to the treasury department on XX/XX/. It has been over the 90 business days that it typically takes to process these requests and I still have not received a refund and no way to track the status now that it has been sent to the DoT. My loans have since been forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Consumer Adjustment Company Incorporated

Complaint narrative:
This is fraud company because I am not taking loan on this company and XXXX amount in my account to be paid to saying this this is my education loan also not giving money of bank manager

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have told this company to freeze my credit account and to notify all XXXX credit reporting agencies to put an extended freeze on my account but they keep allowing other people to remove the freeze I have placed. Ruining my credit score and making it appear like Im working at other companies. Ive never worked at XXXX or XXXX although Ive been ordered there several times. My phone number is not up to date. The site said they are open but when I called they said they are closed. They will not send me my credit report so I can prove to lenders what my credit rating was when they told me. Plus I still have these XXXX XXXX XXXX  on file when that was the card my employer and XXXX XXXX had shut off intentionally that I used to buy my XXXX  with. Even though I had a prepaid credit card I could use for prescriptions until they dropped all my benefits to XXXX time and time again. XXXX XXXX from the XXXXXXXX XXXX and 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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have told this company to freeze my credit account and to notify all XXXX  credit reporting agencies to put an extended freeze on my account but they keep allowing other people to remove the freeze I have placed. Ruining my credit score and making it appear like Im working at other companies. Ive never worked at XXXX or XXXX although Ive been ordered there several times. My phone number is not up to date. The site said they are open but when I called they said they are closed. They will not send me my credit report so I can prove to lenders what my credit rating was when they told me. Plus I still have these XXXX XXXX XXXX on file when that was the card my employer and XXXX XXXX had shut off intentionally that I used to buy my XXXX with. Even though I had a prepaid credit card I could use for prescriptions until they dropped all my benefits to XXXX time and time again. XXXX XXXX from the XXXX XXXX  and 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 2023-10-21 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: CA

Complaint narrative:
XXXX XXXX is appearing under my credit score however I do not own this account. I did not open this account. I requested this account be closed or removed from my credit report. Issue remains unresolved. XXXX XXXX customer support was contacted on XX/XX/ they found no records unable to find using my name date of birth nor social. This must be removed 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 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime owes me money for hidden fees

Company response to consumer: Closed with explanation