vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: FL

Complaint narrative:
I am writing to follow up regarding the ongoing issue with my credit report. Despite my multiple attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$0.00}.

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 2024-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My Wells Fargo debit number card number was obtained through fraudulent activity via online on XX/XX/year>. Several transactions were made via XXXX XXXX after persons unknown made a profile with XXXX XXXX using my debit card number. The first transaction was for {$1.00}, the second for {$420.00} which Wells Fargo let go through. After that the perpetrators attempted several transactions in the amount of {$560.00} at that time I received a fraud alert text message from Wells Fargo asking if I was making this transaction. I replied No and got a response that my debit card had been blocked for my protection. I called Wells Fargo and advised that my card had been hacked and all these transactions were fraudulent. A claim was opened with Wells Fargo on XX/XX/year> which took XXXX days and after that time I was told that no error occurred with these transactions. I asked for the claim to be escalated because I did not make these money transfers that was showing XXXX, and I was in South Carolina at the time. I was told by a Wells Fargo representative that the money transfers were made via a cell phone and because Wells Fargo could not track down who made the transactions, they could not refund my money. On XX/XX/year> I contacted XXXX XXXX, and they were able to locate the transaction, the name that was used to make an online profile with my debit card number. I was given a case number by XXXX XXXX and advised to contact Wells Fargo again. I called Wells Fargo back and was told that because the case was closed, they could not reopen it. I was also told that their investigation showed that the chip was entered to process the transaction which is not true and not what I was previously told. Wells Fargo is refusing to refund my money However XXXX XXXX states they have all the information that Wells Fargo needs to prove I did not make these transactions.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Mercedes Benz Financial did not notate this account as disputed on my credit report from my previous dispute. Their failure to do so has misled other creditors about the dispute status of this account causing me to lose on potential offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Vendor : Barclaycard US / jetBlue credit card Date : XX/XX/2024 Description of incident : Barclay offers automatic payments, which I had set up in my account. However, their system is set up such that if you make a manual payment, it will override the automatic payment infrastructure, inclusive of sometimes turning off the autopay without telling the user. There is no documentation around manual payments to flag to the user that this will happen. 
This has now happened to me twice, resulting in late fees and interest. Barclay has been willing to take the late fees off, but they're saying that I still have to pay the interest given that it's still my responsibility to make sure that the payment is landingeven though I would have no way of knowing that that the autopay had fallen off of the account. 

The customer rep who I spoke with says she receives calls about this all the time. She expressed that she really wishes the company would fix the feature, as it causes this issue constantly. Today I made the payment and then recreated the autopay. She told me I can't do that, because it would cancel the autopay again! So I had to make the payment today, then I'm supposed to wait until that payment clears before setting autopay back up. And then be very careful about any future manual payments, using some kind of hidden from view method. 

While the customer service representative framed this as a type of bug or system limitation, I can't help but think it's actually intentional. It's a way for them to capture late fees and interest. It's deceptive through and through.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My taxes were due from my escrow account in XX/XX/XXXX to XXXX XXXX Georgia. The servicer XXXX did not pay the taxes, so i called in XX/XX/XXXX when i received information that the taxes were not paid from my escrow account. They said that they would pay them. In XX/XX/XXXX i received information that the taxes had not been paid from my fully funded escrow account. On XX/XX/XXXX XXXX said they would investigate the issue and it could take ten days. On the XXXX they said payment had been made. My tax commissioner said no payment had been made on XX/XX/XXXX. On XX/XX/XXXX, i called my new servicer New Rez and they said they had no information to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had previously filed a complaint against Citi Bank/Best Buy XXXX Complaint # XXXX. In Citi Bank 's Response to that complaint, they provided you with incorrect information. They are saying that I only disputed XXXX Fraudulent Charges totaling {$2100.00} that were made with XXXX of my Authorize User 's Card with the name of ( XXXX XXXX XXXX. That is not true, they are very much aware that I am disputing a Total of XXXX Fraudulent Charges that were made with XXXXXXXX XXXX Card, Totaling {$9500.00}. I also filed XXXX Police XXXX regarding this matter, but they obviously didn't take them in to consideration. Why they are denying the facts it's totally unfair and I believe that Citi Bank is now acting in Bad Faith towards me. The Charges that were made with my other Authorize User 's Card ( XXXX XXXX ) have absolutely nothing to do with this Fraud Matter! Citi Bank is picking and choosing what I can and can not get back from this, their decision is very contradicting and doesn't make sense! The XXXX Fraudulent Charges that I was credited for were for XXXX Airline Tickets that were made on XX/XX/2023. There are more Fraudulent Charges before and after that date. In order for their decision to make sense, I would of had to make some valid charges before XX/XX/2023, then lost my card or had it stolen and then found it again and continued making more valid charges. When I originally reported this matter to Citi Bank on XX/XX/2023, Citi Bank told me that call was being Recorded, but yet they have never taken the time to review that call. I have also asked CitiBank numerous times to provide me with a copy of all the information and or documents that they used to come to their decision. Although they've told me I have a right to that information, over half a year later I still haven't gotten nothing from them. I need this information because I do plan on taking them to Small Claims Court.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2024-06-04 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX & XXXX XXXX Balance : {$900.00} Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I deposited my rent check ( for A XXXX I OWN FROM THE Tenant ) on Friday, XX/XX/year>. On Saturday Chase Bank, pulled the funds. It's showing up in my checking acct., however they still haven't released the funds. I spoke to a Supervisor in Chase Deposit Review. He was of no help. Wouldn't give me an answer as to the status of the cleared check. And gave no reason for the hold. Something about it being a new account. I also visited the bank. I spoke with the bank manager, XXXX XXXXThere is no reason it should take more than 2 days to clear an-in state check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I have recently contacted the company regarding my discharge under the XXXX XXXX XXXXXXXX case. However, Mohela, the company responsible for managing my student loans, has claimed that they were not informed about my involvement in the case and were only instructed to put my account in forbearance. Despite this, my student aid account has been displaying " processing discharge '' since XX/XX/year>. However, Mohela sent me a letter via the portal about refunds I should receive that is now no longer in the message portal. I have spoken with someone before we seen I am due discharge but told me its processing so for other agents to say the Dept of Ed hasn't sent them anything is untrue. In fact, I uploaded the letter from the Dept of Ed myself and Mohela denied it. This misinformation seriously affects my credit score, as it is being reported to the credit bureaus. Additionally, the balance is increasing due to accrued interest. This situation has to be rectified immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: AZ

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: HI

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: HI

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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:
Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and XXXX. If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-04 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: DE

Complaint narrative:
Upon reviewing my credit report, I discovered several inaccuracies. The three Credit Bureaus are required to verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to consider these accounts as unverified without providing proof within the legally mandated time frame. 
XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX Balance : {$550.00}

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 2024-06-04 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: 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 confidentially under 15 USC 1681. The account numbers reported to XXXX, XXXX and Transunion are not the same for ( XXXX XXXX XXXX XXXX ) The account number listed for XXXX is # XXXX, XXXX is # XXXX and Transunion is # XXXX, ( Transunion is different ) Transunion is listing a Collection Account for ( XXXX  ) in the amount of {$210.00}, this account ( XXXX  ) is not listed on XXXX or XXXX. 

There is an account ( XXXX XXXX ) listed on XXXX in the amount of {$180.00}, the address listed is XXXX XXXX XXXX XXXX, MA XXXX the reporting date is XX/XX/year>. This account is listed on Transunion as ( XXXX XXXX ) the address listed is XXXX XXXX XXXX. XXXX, MA XXXX, and the reporting date is XX/XX/year>, in the amount of {$180.00}, this account ( XXXX  XXXX ) or ( XXXX XXXX ) is not listed on 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