vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This was many years ago and the bank is Wells Fargo, I have recvd compensation BUT this infuriates me. I have a story to tell about how Wells Fargo ruined me in every way and now idk how many years later they get to say sorry heres a little money Have a good day.No way Im not an account # I am a real life person, at the time a XXXX, recently divorced single Mom of XXXX, and I still struggle emotionally & financially because of the greed of Wells Fargo. They repossed my car, that I was current on my payments on, I was moving at the time took so much personal belongings from me I went to the Police Dept..No help called and wrote and begged and cried argued ... I was treated like a low life by everyone like I didnt pay my loans kind of person, nobody beleived me & my relationships with my loved ones, ( son sisters Mom my family ) XXXX I dont know if this will go the same place my original plea for help went IDK really even what else to say but I got probably {$6100.00} from XXXX in the past few years. 
IT IS NOT ENOUGH Who decides the damage such an event like this has on someone else? No I didnt lose a home on paper but I always planned on rebuilding my life buying a home for my kids and I ..But no way my credit was too damaged for that and ever since then I pay MORE for everything because my rates are so much higher ..So yes I do feel XXXX I lost so much more than a car jewelry cash unknow value XXXX but yea I lost a mortgage I lost my family I lost hope. I just want curse and screem ..How dare they? How come they are still in business It makes me sick They arent being punished they are gon na stop stealing fro. American people they owe me more I dont think I could put a number on it - what is the going rate on losing the respect of your son? The heartache of not being beleived because its Wells Fargo they dont make mistakes like that..My family wanted to know where the money for the car went? How could I buy my son a beat used car for hos 1st job then do something else with the payment money? Oh boy did I suffer to THIS DAY my closest family is gone the truth is out now idk 10 years later.. Cant get that time back and my family let me down I cant forgive them or Wells Fargo .

To Wells Fargo, I hate you ALL of you, you should be in XXXX, you should be made to be alone and struggle and have NO MONEY NO HOME ugg sickening greed So I just had to say this Thank you for allowing me to FINALLY be heard. 
Respectfully 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 2023-12-08 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: MA

Complaint narrative:
See Attached. Equifax has violated my rights under the FCRA by willfully being noncompliant to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) by not following procedures to follow maximum possible accuracy when preparing a consumer report. On the XXXX Account Number XXXX XXXX, you can see there was no adequate investigation performed. In the payment history section from XX/XX/XXXX to XX/XX/XXXX CO for charge off is being reported as a payment each month. This is a charged off account meaning it is closed because the debt was cancelled so how can there be an update to the payment history each month? It says the date of last payment is XX/XX/XXXX but if you look at the payment history it has XX/XX/XXXX marked as XXXX  days late but how can it be XXXX  days late if a payment was made? in XX/XX/XXXX and XX/XX/XXXX they both say XXXX  days late but it's impossible to be XXXX  days late XXXX months in a row. In XXXX XXXX, XXXX, and XXXX all say XXXX  days late but how can it accurately report XXXX  days late XXXX months in a row on my report? It says delinquency first reported is XX/XX/XXXX but how can that be if the first negative remark is XXXX  days late on XX/XX/XXXX? Also how can the date of first delinquency be XX/XX/XXXX if a payment was made that day and also the first delinquency is shown as XX/XX/XXXX? Under 15 U.S. Code 1681 ( a ) ( 1 ) congress made the finding that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I've pointed out all these inaccuracies after Equifax 's Investigation yet they still reported back the account as updated and verified which goes directly against each law I have mentioned in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: MOHELA
State: IL

Complaint narrative:
Applied for SAVE XX/XX/2023. Advised by Student Aid department that application would take XXXX days. Application approved XX/XX/2023. Received mail from MOHELA confirming application had processed successfully and application had entered SAVE repayment. Setup auto debit online - confirmed due date with first payment in XXXX. 
Reviewed website XX/XX/2023 - loans now placed in Forbearance. Call center first told me it was due to natural disaster is state for which I was not affected - XXXX minutes later, phone representative says it is a processing forbearance and they will charge me for the interest. 
Application had already been approved, auto debit had been approved, mail received confirming due date in XXXX in early XXXX. MOHELA  is unable to confirm info due to long wait lines but I did not consent to this forbearance and it is predatory after I had been informed everything was set for my SAVE enrollment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Opened a business account with Truist ( XXXX, PA branch ); received a wire transfer of approximately {$110000.00} into business account; had to wire transfer {$70000.00} grand to a cryptocurrency account since seller deals in XXXX; didn't transfer enough to cover medical equipment so made another appointment for XX/XX/23 to wire the rest ; bank called to tell me my account was locked based on suspicious activity ; bank didn't tell me what I needed to provide to unfreeze the account ; XXXX and XXXX are the XXXX employees involved in the erroneous freezing of my accounts ; neither of them have told me what to submit to ease " their '' suspicions. XXXX made a comment about my only using {$100.00} to open business account ; I explained all of that during the business account opening ; truly concerned that a bank can freeze my assets based on personal suspicions ; PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: CT

Complaint narrative:
I am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please have that account remove and block from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a previous complaint : XXXX Bank of America 's Regulatory Complaints notified me the funds would be returned to my account, which they were. However, yesterday Bank of America put a hold on the amount they had deposited. I can not talk to anyone in the Regulatory Complaints department because I don't have the person 's 4 digit extension. I, like a dummy, tossed it out when I thought this issue had been 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 monetary relief
Consumer complaint received 2023-12-08 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: CL Holdings LLC
State: CT

Complaint narrative:
I am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: Spring Oaks Capital, LLC
State: CT

Complaint narrative:
I am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
See Attached. Experian has violated my rights under the FCRA by willfully being noncompliant to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) by not following procedures to follow maximum possible accuracy when preparing a consumer report. On the XXXX XXXX XXXX act # XXXX, you can see there was no adequate investigation performed. In the payment history section from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX  for charge off is being reported as a payment each month. This is a charged off account meaning it is closed because it is a cancelled debt so how can there be an update to the payment history each month? It says the date payment received is XX/XX/XXXX but if you look at the payment history it has XX/XX/XXXX marked as 30 days late but how can that be if in XX/XX/XXXX the payment status was current? in XX/XX/XXXX and XX/XX/XXXX they both say 60 days late but it's impossible to be 60 days late two months in a row. Under 15 U.S. Code 1681 ( a ) ( 1 ) congress made the finding that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I've pointed out all these inaccuracies after Experian 's Investigation yet they still reported back the account as updated and verified which goes directly against each law I have mentioned in this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX a payoff statement was obtained from Truist bank showing a payoff amt of {$250000.00} with a payoff date of XX/XX/XXXX ; with a per diem interest charge of {$59.00}. 

The loan was paid off on XX/XX/XXXX by means of a wire transfer in the amount of {$250000.00} The additional interest due to Truist from XX/XX/XXXX ( date of payoff statement ) to XX/XX/XXXX ( when loan was paid off ) should be {$1100.00} ( i.e. {$59.00} per diem x XXXX calendar days ). 

Prior to the XX/XX/XXXX payoff, when the regular monthly payment was due, on XX/XX/XXXX I paid Truist {$1800.00}. 

On XX/XX/XXXX Truist credited me {$1800.00} So the amount of credit anticipated to be refunded back from Truist would be {$1800.00} as follows : Payoff amount as of XX/XX/XXXX : {$250000.00} ; Additional Interest per diem from XX/XX/XXXX XX/XX/XXXX : {$1100.00} ; Regular monthly XXXX paid on XX/XX/XXXX toward loan repayment : {$1800.00} ; Total XXXX due to Truist for payoff : {$250000.00} ( i.e. {$250000.00} + {$1100.00} - {$1800.00} ) ; Payoff amount wired to Truist on XX/XX/XXXX : {$250000.00} ; Additional amount in payoff ( which should have been credited to me ) : {$1800.00} ( i.e. {$250000.00} - {$250000.00} ) ; However, since Truist only credited me {$1800.00}, the amount Truist still owes me is {$23.00} ( i.e. {$1800.00} - {$1800.00} ) I went to the bank the very next day after they credited me {$1800.00} because I immediately recognized the error. The local branch said they would submit the request to their Home Equity Line Of Credit Department and get back to me in a week. I did not hear from them. So XXXX weeks later ( around XX/XX/XXXX ) I went back to the local branch and they had no further information for me, simply saying they submitted the claim for review. 

As of this writing I have not heard back from Truist, nor have I received the {$23.00} owed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: U.S. BANCORP
State: VA

Complaint narrative:
Ive been trying to upgrade old US bank XXXX XXXX XXXX XXXX XXXX  to new XXXX XXXX XXXX XXXX. Old one has {$50.00} annual fee, new one has {$0.00} annual fee. Ive been trying to upgrade to new one since XXXX, but every time I call customer service, the representative said theres no offer for me to upgrade and told me to apply new card. If I open new card, I wont able to close old XXXX because of credit score and I would end up with XXXX credit cards, which the US bank is giving me misleading recommendation. Today I talk to manager, I asked how long it will take me to get upgrade offer and she told me there wont be offer for me in the future and told me to apply for new card to get {$0.00} annual fee XXXX XXXX XXXX XXXX XXXX. Ive been US bank skypass visa customer for long time. This isnt a right way to treat old customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received 2 hard inquiries on my XXXX credit card profile from one Chase credit card application. The XXXX inquiries are listed below : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

JPMCB CARD Inquired on XX/XX/XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

There was a problem with address verification on the initial application on XX/XX/XXXX. I had to submit documentation multiple times through Chase 's portal and docusign. Then no one from Chase would review the documentation until I called back. 
Eventually I was approved on XX/XX/XXXX for the card after only providing my IRS EIN confirmation letter. However, this had already been supplied on XX/XX/XXXX per XXXX XXXX. As a result, I should have been approved for the card within 30 days of the initial application date of XX/XX/XXXX, therefore only resulting in one hard pull. Please remove one of the duplicate hard pulls.

I tried to resolve the matter directly with Chase, and their reprensentative said " hard pulls are not necessarily bad '' ( This is a completely false statement as hard pulls always result in a person 's credit score declining which is objectionally " bad ''. ). Chase also stated they have the right to pull my credit report as many times as necessary which doesn't seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
OnXXXX, I reviewed my credit report and saw that the XXXX credit reporting agencies Experian and XXXX still have not removed the personal names and addresses that do not belong to me per my request onXXXX XX/XX/23, and XX/XX/23. I even uploaded my CA ID as well. 

In accordance with the Fair Credit Reporting Act, they have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681i ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) ( i ) Certification of accuracy of information : If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. I have on numerous times requested that the credit reporting agencies remove those personal names and addresses that do not belong to me. I still see them on there and I also sent them a copy of my driver 's license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
I want to close my business checking account ending in XXXX. 

Bank makes the process extremely burdensome and unnecessary. The account has a {$0.00} balance, and no pending transactions. This institution engages in predatory behavior by overly lengthening the closure process for the attempt of obtaining additional monthly maintenance fee revenue.

Company response to consumer: Closed with non-monetary relief