vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I opened a line of credit with Wells Fargo. In early 2022, I got notification from Wells Fargo that they were no longer offering the Line Of Credit services. Around XXXX XXXX 2022, I requested a payoff amount and then payed that amount in full to close out this line of credit since the services were no longer going to be available. After paying the payoff amount, the line of credit was fully removed from my online banking and mobile banking, so it was no longer visible, as to say it no longer existed. After receiving statements from Wells Fargo just recently, we discovered that on XX/XX/2022, Wells Fargo applied a $ XXXX+/- charge to the non-existing line of credit and then in XXXX of 2022, Wells Fargo reversed the charges on their own, but Wells Fargo reported a delinquency of 60 days past due before reversing the charges. My husband and I are trying to buy a house currently and we are just finding out all of this information because it has drastically affected my credit score and is causing financial harm to our potential home loan. We were completely unaware that there was an interest charge over 15 days after we payed off the line of credit ( a requested payoff amount ) and we were completely unaware that Wells Fargo reported a delinquency which has affected my credit for a few years now.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I receive a hard inquiry on credit score on XX/XX/2024 from Goldman Sachs bank for credit card and on XX/XX/2924 an attempt was made to open account with Goldman Sachs XXXX and Goldman Sachs Apple Card. I did not authorize or recognize this information. Its fraudulent and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: AZ

Complaint narrative:
See document attached

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 2024-02-26 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: SC

Complaint narrative:
I am writing to report instances of identity theft and inaccuracies on my credit report. My name is XXXX XXXX, and I am gravely concerned about the false information associated with my identity. Despite repeated requests, the following erroneous entries persist : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This marks the third occasion I am formally addressing this issue. As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of any and all authorizations, whether explicit or implied, as stipulated by 15 USC 6802. 

Furthermore, I wish to clarify that the address listed as XXXX XXXX XXXX XXXX XXXX SC XXXX is not mine ; it is a non-mailable address. I demand an explanation regarding the origin of this address, as its inclusion violates my rights under the Privacy Act of 1974. 

The entry pertaining to DEPT OF ED/XXXX, opened on XX/XX/XXXX and XX/XX/XXXX, is in direct violation of the Family Educational Rights and Privacy Act ( FERPA ) , as outlined in 20 USC 1232 and 34 CFR 99. 

Moreover, I affirm that I have no association with XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX. According to the Internal Revenue Service ( IRS ), reporting transaction history is unlawful. Additionally, any charge-off or collection must not be reported as income on my credit report. These entities have unlawfully utilized my Social Security Number ( SSN ), contravening the provisions of 5 USC 522a. 

XXXX and XXXX XXXX XXXX have breached 15 USC 1681 by disregarding permissible purposes. 

I am hereby requesting prompt action to rectify these inaccuracies and eradicate any trace of fraudulent activity 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to file a complaint against Truist Mortgage for falsely reporting that I discharged my mortgage with them in XXXX in bankruptcy, while living in North Carolina. This is a LIE and this error needs to be removed from ALL 3 credit reports ( XXXX, XXXX, and XXXX ) immediately! 

I sold my home in North Carolina that was financed by Truist Mortgage in XX/XX/XXXX and the lender was paid COMPLETELY in PERFECT standing. 

This false information has caused me to be denied a mortgage by another lender, which has damaged my credit score and reputation. I demand that Truist Mortgage correct this error as soon as possible and send me a written confirmation that they have done so. 

If this error is not fixed within 30 days, I will seek the assistance of my NY Attorney General and pursue legal action against Truist Mortgage for the damages they have caused 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 2024-02-26 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of Equifax data breach I want these items deleted from my credit report effective immediately. I'm attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Lists all those negative accounts from my credit reports that are on your Equifax credit reports. Account names & account numbers and file Your complaint with the CFPB. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX I had discovered i had theftt/identity stolen my checking-saving accounts.The total amount was XXXX.The same day I notified Wells Fargo claims D.who documented claims.The claims D. advised me to close accounts.XXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about XXXX XXXX XXXX told it would be fine. XXXX fraud on my C.C. Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority. Nothing is secure or save. I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX  removed I was told that it couldnt be by XXXX and XXXX but they could secure it.XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request!!! You want proof. My identity and info was stolenI cant even trust Wells Fargo to keep my money XXXX make money off of customers. Giving me the runaround. XXXXI have contacted FBI, CFPB, OCC, FTC local media.

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 2024-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit acceptance corporation and XXXX XXXX XXXX XXXX  attempt to contact last time on XX/XX/24 to request original debt contract and to state that it has been over 10 years since the debt occurred and have delt with negative credit hardship for 10 years now with a repossession on credit even though the truck was supposed to be a cash sale and owned clear. Dealer ship closed and when I was incarcerated this credit company repossessed this truck illegally as the truck had been paid for and when I was released I tried to get the truck back and was told I couldn't do anything as the truck was sold at auction for the amount owed and now years later they have served a notice to seize the property and garnish my wages to my place of business.

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 2024-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd
State: CA

Complaint narrative:
I strongly urge you to please look into Wise.com, the money transfer service. 

Wise transferred, say, approximately {$2200.00}, to a recipient, on my behalf. I recognized that the money amount was not accurate. It was {$240.00} more than the recipient should have received, based on other matters. I tried to get that {$240.00} back directly from the recipient, who refused. 

I then complained to my bank and they retrieved the full {$2200.00} from Wise. 

Wise then asked me to pay them back the {$2200.00} that they transferred to the recipient, since my bank had taken it back from them. 

I said : I'm happy to pay Wise {$2000.00}, but the {$240.00} needs to be disputed, because the recipient should not have it, and Wise should not have it. Nobody should have it, because it is misappropriately paid. 

Wise said : they can not dispute anything with the recipient, and it's too bad that I'll be missing out on {$240.00}, but it's not their business, and I just need to pay them the full {$2200.00}. 

What Wise is asking me to do violates FTC standards. Even if Wise has provided a money-transfer service to a customer, they can not knowingly ask that I, as a customer, erroneously send monies to them that have been deemed misappropriated. 

There needs to be a way to safeguard the consumer when a recipient has been overpaid. XXXX has a dispute process for instances like this one, and every other legitimate service does, as well. Why doesn't Wise.com? 

If I knowingly send Wise money that is not correct, not only would I need to raise a dispute against Wise, I would also need to file a complaint about their lack of consumer protections when transferring monies erroneously. 

Paying back money to Wise is correct, but paying them any monies with full knowledge that the count is erroneous, with ZERO mechanism on their part to relieve the error is extortionate. It needs to be reviewed by the FTC, and if it is a loophole affecting masses of consumers, then this is a class-action lawsuit. 

They can not, on the one hand, take the stance that " there's absolutely no remedy for erroneous payment processes, '' and then in the same breath suggest that " I remedy my erroneous payment process '' with them. 

Also, they argue that they're " just a money-transfer service, '' with no obligation to manage erroneous transactions, and yet they recently changed their name from XXXX to Wise, for the specific reasoning THEY gave stating that they are, quote : " MORE than just a money-transfer service. '' They are an international bank account in which consumers can manage monies in various currencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: NY

Complaint narrative:
I have taken out {$26000.00} worth of student loans ( subsidized and unsubsidized ) from EdFinancial ( loan provider ) as evidenced by my college website, spread throughout XXXX semesters for my XXXX XXXX XXXX. According to the receipt and my bank records, on XX/XX/XXXX, I paid off {$27000.00}, which covers all the necessary loans. The difference in amount is due to interest that I already paid. 

As of XX/XX/XXXX, I received an email from studentaid.gov saying that I missed a payment. I log in and check For some reason, Studentaid.gov says that I still owe {$20000.00}. I contacted Edfinancial on XX/XX/XXXX, over the phone to say why I still owe {$20000.00} when I paid off all my loans and interest back on XX/XX/XXXX, and the customer service representative said Edfinancial updated their system to a new one recently and dont have access to any receipts saying that I have paid them the {$27000.00}. To solve this issue, Edfinancial requests that I submit proof of the receipt and upload it to their portal : I did exactly that on XX/XX/XXXX and attached the receipt of my payment to their portal. 

As of today, XX/XX/XXXX, I received an email from Edfinancial saying I owe {$990.00}, I have no idea where this number is coming from, Then I login to their website, Edfinancial showed that I owed them {$20000.00}, Summary : I paid off all my loans already, and I have proof of that from my bank statements that I can pull up, as well as the email confirmation receipt from Edfinancial. However, as of XX/XX/XXXX edfinancial seems to still want {$20000.00} from me. 

According to the above screenshots, I ONLY took out {$26000.00} loans, all together, to fund my XXXX XXXX XXXX from Edfinancial, I paid the website {$27000.00} on XX/XX/XXXX. As of now, out of the blue 2 years later on XX/XX/XXXX ( today ), Edfinancial wants me to pay {$20000.00} in additional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
A customer at a market event sent me {$50.00} for a purchase she made on XX/XX/24 using Cash App. I attempted to access the money, and cash app asked for identification, banking info, etc .... Since then they have sent several reminders for me to access the cash. I have now provided them with the requested information, but when I click on the " Accept Payment '' button, it directs me to download the Cash App application which I have done several times. After opening the application the payment is not showing up. I had lengthy discussions with Cash App representatives, but they claim not to be able to identify the transaction despite their emails to me requesting information and advising me that I could " Accept the Cash '' until XX/XX/24, which I have been unable to do using their system. They said there was nothing more they could do and said the customer who paid me would have to call them, which Is not an appropriate response- they should be able to identify the transaction with the information provided so that I can access the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: AR

Complaint narrative:
Under 25 U.S.C. 1666b this is a billing error, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. - XXXX XXXX # XXXX - XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: AR

Complaint narrative:
Under 25 U.S.C. 1666b this is a billing error, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. - XXXX XXXX # XXXX - XXXX XXXXXXXX # 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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
After 2 years i request a new card because of an unauthorized charge. I set up recurring payments as before, yet prosper in all their infinite wisdom and knowledge, try to withdraw a payment from an account that isn't mine nor is listed on payment option for payments. after repeated calls and over 3months of back and forth, they keep moving my payment date to 6 days later and {$1.00} less than my minimum due. Constantly getting letters requesting more than required every month no matter how many calls i make or visits to web site. Plus all the phone reps show a lack of interest and intelligence when I explain letter I have from them and detail info and yet still deny it is their problem and not mine. Don't know how or where they get their info from or who is authorized to change info once entered but it was done. So because of that I am done. Both my wife and I had separate cards and both are now closed. Strongly recommend everybody looks to do business elsewhere as this is a major scam to extract money from people.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I initiated the Bofa autopayment process after carefully following the app 's demo instructions. The demo indicated that the necessary steps, including adding a payee, were completed, giving me the impression that everything was set up for my upcoming payment. To my surprise, my credit score dropped by XXXX points, citing a missed payment attributed to bofa. Upon investigating, I discovered that although I had added the payee as indicated in the demo, the payment had not gone through. 

Assuming that the autopayment system was reliable based on the completed demo, I unknowingly missed a payment, resulting in a negative impact on my credit score. This setback significantly affected my ability to secure financing for a car or home. Upon reaching out to bofa 's customer service, I was informed that additional steps were required to finalize the setup, which was not explicitly mentioned in the demo. The most frustrating aspect is that the demo falsely indicated the completion of all necessary steps, leading to customer confusion and missed payments. 

I have recorded the entire process and can provide a screen recording to illustrate the discrepancy between the demo 's completion status and the actual state of my auto payment setup.

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 2024-02-26 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: MS

Complaint narrative:
I have disputed these fraudulent inquiries multiple times with Experian and they kept ignoring my request. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contact the consumers reporting agency notifying them that there was inaccurate information on my report. They just responded that the information was verified. Without solving the true issue at hand that a debt collector was reporting false information on my report which was damaging my credit file. 

15 U.S. code 1681s ( A ) ( 1 ) A States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. code 1681e States Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c. This title and to limit the furnishing of consumers reports to the purpose listed under section 1681b of the tile.

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