vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: CA

Complaint narrative:
XXXX  XXXX XXXX ( from here on Climb ) has unfairly increased the principal of my student debt by {$3900.00}. They acknowledge that it is a mistake that occurred on XX/XX/XXXX, but they havent solve it. Meanwhile, everyday I accrue interest on the wrong principal. 


I took a loan with Climb for {$15000.00} disbursed on XX/XX/XXXX. This money was disbursed directly to XXXX XXXX to pay for the software development bootcamp offered by that institution. On XX/XX/XXXXXXXX  XXXX XXXX paid Climb {$3900.00}. This reimbursement was made by XXXX XXXX because it closed its on-site bootcamp and the students affected were reimbursed part or whole of the tuition depending on whether they accepted or declined the online option. I accepted the online option and I was partially reimbursed. 


On XX/XX/XXXXXXXX  I checked my online Climb account and I found that the money paid by XXXX XXXX had been reversed. Meaning the negative number that lowered the principal by {$3900.00} had been offset by a positive number of the same magnitude marked with the word Reversal. 


On XX/XX/XXXXXXXX  I made a call to XXXX XXXX XXXX which is the number published on the Climb website. They told me that the reversal occurred on XX/XX/XXXXXXXX  but they did not tell me why. They also couldnt tell me why I hadnt been informed or when the problem was going to get solved. They only said that they were sorry, that an error had occurred, that they were investigating and that they would contact me once they had an update. Since then I have made several calls and written multiple emails to Climb and I always get the same response : They are sorry and they will contact me when the issue is solved. Today I checked again the account and the Reversal is still there. 


I want to highlight that the problem is not only that the principal is higher than it should be, but that the interest is being accrued incorrectly EVERY day. 


I have exhausted all the channels provided by Climb but they havent reversed the error. Any advice on what to do would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I never applied

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 2023-09-19 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: CA

Complaint narrative:
To whom it may concern you're reporting XXXX XXXX XXXX account XXXX as an open account Which is not under FCRA Compliance, this is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. Thank 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 non-monetary relief
Consumer complaint received 2023-09-19 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: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Idaho Housing And Finance Association
State: ID

Complaint narrative:
Closed on this loan XX/XX/2023. {$6000.00} escrow hold back from cash out proceeds to be used for replacing flooring { LVP and new carpet } to be finished within 90 days of closing. {$1900.00} paid to flooring company, from hold back funds for materials, balance to be paid upon completion of work. Work completed XX/XX/2023. IHFA refused to pay balance to flooring company on XX/XX/XXXX. Any funds remaining were to be released to me by check. I contacted IHFA and was told I needed to pay {$150.00} out of hold back to them for appraiser to verify work is complete. I asked them to show me documentation from closing regarding this since I was unable to find it in my copies of the closing. They were unable to provide that and instead sent me a copy of an in house order for an inspection. 
Since XXXX they have sold my mortgage to XXXX XXXX. They gave me a refinance based on the appraisal that was done in XX/XX/2023. The only stipulation I was given was that the flooring job had to be completed within 90 days of closing, which it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I applied for HAF program through Massachusetts. I sent all the information needed for review. Santander Bank refused to send my payoff with the deadline so my application was denied. 

Can you please investigate this matter and ensure that I receive my HAF. 

Thank you. 

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 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/2023 I mailed a Certified Debt Validation Letter to Midland Credit Management company via United States Postal Services which was delivered on XX/XX/2023. I waited 30 days to receive a response from the company ; however, I did not receive a response. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX and it was delivered on XX/XX/XXXX giving Midland Credit Management 15 more days to validate debt. However, we are now passing the 15 day mark with no response from Midland Credit Management. After several attempts to validate this debt, I still have not received any communication and this unknown debt remains on my credit report which is a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account has been incorrectly reported as 30 days late to the credit bureaus when payments have been received and posted on my account every month per their website. This information needs to be corrected to reflect on time and any late payments removed. This issue is affecting my credit worthiness and any future inquiries

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I got an Ollo Credit Card, now moving to Ally Bank, about ayear and a half ago. They advertise a Variable Interest Rate on their website of 23.99-28.99 %. 

I have been consistently charged 33.24 % since the initiation of the card, resulting in larger monthly payments.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I enrolled in a debt consolidation program, who settled with the creditor for {$830.00}, on XX/XX/2023. This amount was more than double what I owed, prior to starting the program, original balance was {$370.00}. I requested this card be canceled and was told that because they received payment, one day after the billing cycle closed, that they could not close the account because I owed interest on the full amount, for that one day. The settlement amount was agreed upon on the XX/XX/XXXX and they would not accept any other form of payment, other than a mailed check, which they did not cash until the XXXX. The billing cycle ended on the XXXX and so they stated that because they did not receive the payment before the billing cycle ended, I would be charged interest on the full amount, for that day. This was after they accepted the settlement amount from the debt consolidation company. I've attempted to settle this by calling the creditor and speaking with their customer support representatives and was unable to get anywhere with them. They suggested I submit a written dispute, which I did on XX/XX/2023. I have never received any follow up on this, no email or phone correspondence. I've attempted to call them about this dispute and no one seems to know anything about it and they continue to charge me interest on an amount that was paid and agreed upon by both the consolidation company and the creditor. They have also continued to report this as a delinquent account on my credit. This is absolutely predatory and they should not be able to operate like this, their customer service is nothing but a collection agency. They're scripted to say what they need to get you to pay and you can never get anywhere with your dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Chase was my first credit card, opened 18 years ago. 
I am not currently in the US. While I was away from home traveling, Chase closed my account without my consent because have not been using my Chase card for a couple of years. 
Chase sent me a letter saying Chase would be closing my account but I haven't received it. I have never seen or heard of a financial company canceling a long-term customer 's account without any reason. 
Now that Chase has closed my oldest credit card account, my credit score has dropped XXXX points. 
I'm really disappointed and I never thought my first Credit card company would close my account like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: OH

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, Dept of ED/XXXX : # XXXX, and Factual Data : Hard Inquiry, 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.

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.

These inaccurate accounts are stopping me from the ability to get lower interest rate credit cards for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: OH

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, Dept of ED/XXXX : # XXXX, and XXXX XXXX : Hard Inquiry, 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.

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.

These inaccurate accounts are stopping me from the ability to get lower interest rate credit cards for my family.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In mid XXXX my credit card number was stolen. This is a credit card I have through Citi Bank. 
Within 1 week of noticing the fraudulent charges, I contacted them to report the charges.

They cancelled my credit card and send me a new one that I received approx. 1 week later.

During the initial phone call, they told me that I would not be liable for any of the fraudulent charges as I am protected from them as part of being a member with this bank/credit card. 

On XX/XX/23 my payment date was approaching ( due on XX/XX/23 ) and the fraudulent charges were still pending on my account ( they stated it can take up to 60 days for them to drop ), so I contacted Citi Bank via chat support to confirm whether or not I would be charged interest for the transactions that were fraudulent if I only paid for the transactions that were legitimate. They stated there would be no interest charges on the fraudulent charges at all. I have a recorded video of the chat with Citi Bank to prove this, however it is larger than 10MB so I had to link to it here : XXXX XXXX XXXXXXXX ( This is a video recording .mp4 file ) Jumping Forward to XX/XX/23, another fraudulent charge showed up on my *new* credit card number. I contacted CitiBank and they stated that the first representative that cancelled my card *forgot* to " Suppress the recurring charge and cancel it so that it would not move to the next card ''. 
So at that point, we had to start the process over again, and they had to cancel the card all over again, and I am now waiting for that *second* new card to arrive as of XX/XX/XXXX. 

Finally, today XX/XX/XXXX, I logged into my statement to find that they have charged me interest in the amount of {$63.00} on all of the fraudulent charges they stated they would not charge, so I called again. 

In the most recent call they now changed their story saying they now instead DO charge interest, but it " Drops off after the fraudulent charges disappear ''. 
There is no way to hold them accountable for their change in story and each representative gives a different story when you call. 
The video I linked to shows proof of them stating one thing, and acting in another way. 

Thanks for any assistance. 
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 monetary relief
Consumer complaint received 2023-09-19 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACATIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: MI

Complaint narrative:
My sister, XXXX XXXX, and I have contacted experience multiple times during the last two months. They are constantly mixing up our information causing my Credit score to dedrease..We are twins and our Social Security numbers are just one digit off. They are putting my information on her report and vice versa. This information is student loans, credit cards, Home addresses Names, etc. my sister knows pretty much all my personal information regarding my debts. This is an identity breach and a breach of security. There are security laws that protect citizens against this, XXXX, are close, but not that close. I am extremely upset that she is aware of how much debt that I have incurred in my life. She had no prior knowledge and did not even know my credit score beforehand. She now knows everything! This is very personal information. What makes matters even worse, is that this is not the first time we have contacted credit bureaus each and everyone of multiple times over the years. 
XXXX has accused me multiple times over the past few years of using her Social Security number. This is causing me so much stress and is driving a wedge between the relationship I have with my sister. 

I typically keep my credit report locked. In XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX denied me Credit because of a fraud alert. They contacted my sister ( instead of me ) to verify that I was applying for Credit. Of course, since she in fact, was not applying for Credit and that I was applying for Credit, she told the customer service reps no and they marked my application as fraud, denying me Credit. 
She did not know that I was applying for a new credit card. One day during casual conversation. She mentioned to me that someone was trying to steal her identity and apply for credit cards in her name. I then mention that I applied for Credit and that it was denied because of fraud. I didnt realize that they contacted her instead of me. 
I contacted the credit card company and explain the situation. After multiple calls and holding on the phone, I was told that I would have to contact the credit bureau, ( Experian ) because that is the number that they had on file for me and that there is nothing that they could do about it.

When we contacted Experian two weeks ago, she service rep was very rude, condescending and disrespectful. He yelled at and over talked me when we were just calling for an understanding of our accounts. I eventually asked for a supervisor and was told that I will get a call back in 24 hours. No one has called me yet. 
They are beyond unprofessional and only thing that we are asking for is that our accounts be corrected.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to provide an overview of the credit reporting disputes I have encountered and the actions taken, which involve the following companies : XXXX TransUnion XXXX XXXX XXXX XXXX Please note that I have included delivery information for each dispute to demonstrate my efforts to resolve these issues. 

XXXX Disputes : On XX/XX/2023, I mailed my initial dispute to XXXX, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent a follow-up dispute ( Round 2 ) to XXXX, which was received on XX/XX/2023. 
TransUnion Disputes : On XX/XX/2023, I sent my first dispute to TransUnion, and it was delivered on XX/XX/2023. 
On XX/XX/2023, I submitted a second dispute to TransUnion, which was delivered on XX/XX/2023. 
XXXX Disputes : On XX/XX/2023, I mailed my second dispute related to the XXXX XXXX  account to XXXX, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent another dispute ( Round 2 ) to XXXX, which was received on XX/XX/2023. 
XXXX XXXX XXXX Dispute : On XX/XX/2023, I submitted a dispute regarding XXXX XXXX XXXX, and it was delivered on XX/XX/2023. 
In each of these disputes, I have consistently requested verifiable proof to substantiate the accuracy of the accounts in question. Specifically, I have sought either an original consumer contract with my wet signature or a certification from the creditors confirming the accuracy and completeness of the account information. 

Despite my persistent efforts, the responses I have received have not adequately addressed these concerns, and proper validation details have not been provided in accordance with the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in facilitating the resolution of these disputes, as they have adversely impacted my credit standing and financial well-being. I believe that my diligent efforts, supported by delivery confirmations, demonstrate my commitment to addressing these issues. 

I understand that you may require additional personal information to assist in forwarding my complaints to the relevant companies, and I am prepared to provide such information as needed in compliance with your guidelines. 

Thank you for your attention to this matter, and I look forward to your guidance and support in resolving these credit reporting disputes effectively. 

Sincerely, 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