vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been working with Wells Fargo Estate Care Services to close the accounts of my deceased sister. I have spent multiple hours on multiple phone calls with multiple representatives, as well as spent hours in a Wells Fargo branch working with a banker.

There has been repeated changes in the requirements that Wells Fargo has for successful closure of the account. Each time that I have satisfied one request, Wells Fargo has changed their requirements, or told me that the previous representative did not accurately describe the requirements.

As directed by Wells Fargo, an affidavit of small estate transfer ( for Arizona ) was signed and notarized. An additional document called an Account Close or Partial Withdrawal Request - Deceased Customer was filled out with the successor identified. The successor is a Wells Fargo account holder. Section 8 of that document ( provided by Wells Fargo and which was created by Wells Fargo in XXXX ) says " Notary Certification ( Must be completed if Successor is a non-Wells Fargo customer or if Successor is returning the form via mail ). '' Since the Successor is a Wells Fargo account holder and provided the account number to transfer funds into, the document was not notarized ( per Wells Fargo instructions ). However, Wells Fargo rejected the document and now requires it to be notarized, which could have been done weeks ago and requires more time, expense, and effort.

Furthermore, one of the accounts is a business account for a business that was administratively dissolved by the State of Arizona in XXXX. In a XXXX minute conversation with the XXXX XXXX representative who deals with business accounts, I was told exactly what to write to provide the branch XXXX with a record that would allow the account to be closed. I did so. The next XXXX XXXX representative then rejected this document and requested evidence from the XXXX of Arizona about the administrative dissolution. That evidence ( which is publicly accessible from the official XXXX  XXXX XXXX website was provided ). However, the Estate Services representative again rejected the request to close the account and asked for additional documentation in the form of current minutes for the corporation, which hasn't existed since XXXX. 

The constant changes in requirements, the repeated requests for additional and conflicting information, the excess amount of time spent, and refusing to abide by the terms of their own document instructions leads me to feel that Wells Fargo is acting in bad faith.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
My loans were scheduled to be transferred in XXXX to EDfinancial yet when I applied for a different program they instead went to XXXX. Therefore an account was never initiated with EDfinancial. I received the attached correspondence and an email from the USDofE notifying me of the transfer. EDfinancial is reporting my loans on my credit report, $ XXXX. XXXX is reporting my loans on my credit report, $ XXXX. It shows that I owe nearly $ XXXX in loans and this is simply inaccurate. My account with XXXX is actually {$0.00} ( as of XX/XX/XXXX ) since my loans are now paid in full. Yet EdFinancial is reporting a balance, payments received and delinquent payments with the most recent payment as of XX/XX/XXXX. I have zero record of this and have never paid them nor have I set up any account or consented to any bank drafts with them. I have filed numerous disputes with the credit bureau only to be told that the information ( my name, account number, date and amount owed ) is accurate so they won't remove. I initially spoke with EDfinancial ( a recorded call ) and explained the situation ; they could not locate any record of my ss #, credit report account number nor the account number I have on the single piece of correspondence I received from them, a welcome letter ; which this account number differs from what is on my credit report. They took my information and I was told they would investigate and update me with a letter within 10 days. This never happened. I have called them continuously for the past two months with no contact, either their phone goes to 'we 're sorry, circuits are busy ' or they say the hold time is 600 minutes or that they will call back when my place in line is up. I have never received a call back. I have mailed a letter to them via certified USMail, I have emailed them, I have initiated a chat on their website, it is offline continuously. I can not log in nor create an account on their website with my credentials, it says that my information is not found ( screenshots attached ). I do not know how else to have this matter resolved. I would like this info from EDfinancial removed from my credit report as I do not currently nor have I ever been in debt to them for a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: PA

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A checking account was opened on or about XX/XX/2004 with XXXX. A balance of {$1000.00} is being reported to Transunion as a Collection/Chargeoff. I was victim of identify theft and previously submitted dispute of accuracy to my reporting for this item, however XXXX and Transunion never properly verified the accuracy of the account with me and never had my consent to disclose any private information to any other parties. Yet Transunion is still reporting this item despite violating 15 US Code 1681 and FCRA. 

I am aware of my right to privacy under the FCRA. Neither Transunion nor XXXX have provided any proof of me giving them my consent to disclose or furnish my private information pursuant to 12 CFR 332.4 which is a direct violation of my right under the FCRA as well as the CFR.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY 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 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-20 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: GA

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies, and I am a very concerned consumer and want only true information about me reporting I have highlighted all the discrepancies. Pease remove these inaccuracy information as you are in violation. XXXX is reporting to Transunion a collection of {$1000.00} high balance, Account opened, XX/XX/. Account type- OPEN. Pay status- Account included in Bankruptcy. XXXX is not reporting this collection, neither is XXXX. having this info is a Bankruptcy violation.

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 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
I opened an account with Square on XX/XX/XXXX to receive payments from clients and verified all the information requested. When I received a payment from a client, Square held on to my payment and asked me to verify myself which I did using my ID. After successful verification Square kept on holding on to my funds informing me after multiple queries that it was reviewing my account. When I threatened to file a complaint with XXXX  and the FTC, Square sent me an email in the afternoon of XX/XX/XXXX, today, stating that the review was done and my account was now active. Of note is that I was never informed that my account was made inactive! Even after the review despite charging me for a same day release of funds Square refused to refund the fees for having held on to my funds for over XXXX  days and still refused to release the funds to my verified bank account at close of business today which is set for XXXX XXXX XXXX. In plain words Square has stolen my money and has charged me for a service it did not provide. I want Square to be shut down/ sued by Federal authorities for fraudulent practices. I want my funds released to my verified account immediately and all fees to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account 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 non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: PA

Complaint narrative:
I am writing to file a complaint against TransUnion for their failure to delete inaccurate information from my credit report, as mandated under the Consumer Protection Code, specifically in violation of 15 U.S. CODE 1681e ( b ) and 15 U.S. CODE 1681i ( 5 ). This inaccurate information is negatively affecting my creditworthiness and financial opportunities.

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 2023-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have disputed this account numerous times including my last dispute with you guys. The company XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX and now Transworld System. They keep me in collections, for the amount of {$520.00}, but they keep putting it back my credit. Please help me remove this collection off my credit cause its effecting my school.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: FL

Complaint narrative:
I have already reported this information and it has been deemed inaccurate but they keep putting it back on my credit report the information is false Ive already submitted a claim once before I need this information to be removed once again. I emailed this company multiple times to close my account before the due date that I didnt want to continue and they wouldnt cancel it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-19 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: Nelnet, Inc.
State: CA

Complaint narrative:
I signed up for automatic debit for my repayment through my checking account. My payment was due XX/XX/23 and when I checked my account on XX/XX/23 it said my payment was late. Fearing hurting my credit, I did an immediate payment. On XX/XX/23 they debited both payments from my account. 

I called to refund one of the payments and after waiting over 2 and a half hours I was told the best solution was to report an unauthorized charge with my bank. They said it would take over 45 days for a refund and was not guaranteed to go through. They blamed the double payment on banks being closed Monday but it was a direct withdrawal from a banking account and both withdrawals happened within seconds of each other despite being 3 days apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
We have been trying to file a complete package to get a loss mitigation with Gregory funding for the last year and a half. Every time we reach out we have to wait XXXX XXXX to XXXX hours on hold to hear which document they can not read or can read, depending on the individual who answers. 

They are avoiding helping us get the XXXX XXXX XXXX XXXX, which they are listed on as a Lender on the pull down list. 
We have equity in our home and every time they have again and again said that they can not read this document or this letter ect. 
I have a third-party nonprofit that has fax, uploaded on the website and emailed. 

Gregory funding has denied us from saving our home. We hired a lawyer and since the last 2 weeks now they have receive the loss mitigation/loan modification package, everything illegible every single page complete, but we are too far behind. 

They will not except our package due to a high pass balance, and denial of which they have pushed off and avoided to help us since covid. We have fill out every form they have ask for and upload and called multiple times a week. I have also requested phone records and submission packets and havent received any response. They locked me out of my account so I could not upload any documents, said it was under construction. 

Gregory funding is taking a vantage of our family of XXXX, please do not let this company continue to push families out of their homes and communities. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: FL

Complaint narrative:
I have never had an account with XXXX XXXX XXXX. Please see the previous notes where I indicated the previous requests.

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 2023-10-19 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: CO

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX 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 an account without my written instructions.

I have sent 3 letters for a 3 credit bureaus on XX/XX/23 and have not gotten a response. The open dates are inconsistent on all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: CO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX 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 an account without my written instructions.

I have sent 3 letters for a 3 credit bureaus on XX/XX/23 and have not gotten a response. The open dates are inconsistent on all 3 bureaus.

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 2023-10-19 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been using PayPal for a few years to receive refunds for small purchases I make for my family members. In addition I used payPal for small online purchases, generally less than {$200.00}. I have a valid credit card linked to the account. I also have a positive balance of {$2900.00}. in the PayPal account. 
On or around XX/XX/XXXX  I went to PayPal to pay for a purchase from XXXX XXXX XXXX  for the amount of {$1.00}, when I discovered that my funds were not available and PayPal had a banned on the account that I could no longer use their services, which is fine, and that they would hold my funds for 180 days, which is not fine unless they provide a valid reason for the hold. 
They claim that I am a high risk client, but do not provide a reason for that.

Company response to consumer: Closed with monetary relief