vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau XXXX They received a payment each month for a debt they have failed to validate. They received funds via XXXX that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX XXXX XXXX XXXX for which they said XXXX months were not paid. 

I also want my asset back security that is being hold by XXXX investment to be sold and the funds to be transferred to my personal XXXX XXXX. 

They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error. 
18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc.

18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ 25,000- {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )

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 2024-01-22 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: TX

Complaint narrative:
Please see the attached XXXX  complaint and remove the following account from my credit report due to the alleged debt being past the statute of limitations. I will find it necessary to take legal action against Experian if this account is not deleted within 7 days XXXX XXXX. Experian is the only credit reporting agency reporting this inaccurate information. This debt has been uncollectible since 2021, so why is there a balance on a closed account? Furthermore, this is year XXXX, so this account is due to be removed 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 2024-01-23 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:
Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I called XXXX XXXX and asked for information on how to update my credit reports to the current loan status of Closed Account/Paid in Full with a XXXX balance. The customer service representative said it would take 30 days to update my credit report, and to just wait. XXXX had emailed me documentation stating my account was Paid in Full with a XXXX balance on XXXX. 

The XXXX website states, " The status of your student loan ( s ) is reported monthly to the nationwide consumer reporting agencies. '' Discharged loans will be reported as " paid in full '' upon your loan status reflecting as " paid in full. '' I checked my credit score at all three credit reporting agencies as of 1.18.24 ( Equifax, XXXX, and XXXX ) and my XXXX account has not been updated since XXXX, as per all three reporting agencies. 

My credit report still states, " Current/Pays as agreed '' and that information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
After looking through my credit report I saw some hard inquiries that do not belong 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 2024-01-23 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Disclosing nonpublic personal information to affiliates and nonaffiliated third parties must be done in accordance with Section 6802 of Title 15 of the United States Code. This section pertains to the privacy of consumer financial information and sets forth requirements for the protection of nonpublic personal information. 

Section 6802 outlines that a financial institution must provide notice to consumers about its privacy policies and practices. It requires the institution to disclose the categories of nonpublic personal information that it collects and shares. Additionally, the section establishes the conditions under which a financial institution may disclose nonpublic personal information to both affiliates and nonaffiliated third parties. 
A consumer reporting agency shall not furnish, for employment purposes or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless certain conditions are met. The limitations on the disclosure of medical information are outlined in the Fair Credit Reporting Act ( FCRA ), specifically in section 604 ( g ) of Title 15 of the United States Code. The relevant part of the provision states : " A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( 1 ) the consumer grants express consent as required by section 1681b of this title; and ( 2 ) the medical information is relevant to the employment, credit, or insurance transaction. '' In summary, a consumer reporting agency is prohibited from providing consumer reports containing medical information for employment, credit, or insurance purposes unless the consumer has given explicit consent, and the medical information is relevant to the specific transaction. This provision is designed to protect the privacy of consumers ' medical information in certain contexts governed by the FCRA. 
It's important for financial institutions to follow these guidelines to safeguard the privacy of consumer financial information and maintain transparency in their practices. 

I am writing to follow up on my previous request to have certain information removed from my credit report. I submitted this request on XXXX and as of today, I have not received any response or confirmation regarding the status of my request. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The card is our citi Costco credit card. Today I went to Costco and the card was denied for payment. Came home, called the Company and was informed that the card account was closed by them. I asked why and they would not tell me why XXXX  one of the Customer service reps asked if I have recently file for bankrupcy and I told him no XXXX then he hungup the phone.

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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
XXXX  charged my account on XX/XX/2023. The first amount was {$47.00} and the second was {$26.00}. Neither one of these was solved and refunded. Both unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Had XXXX interest intro offer from Barclay 's Bank for Priceline Credit Card going back a year. Cancelled the card by phone call to Priceline XXXX on XXXX XX/XX/23 ( please listen to recording ) and destroyed it. Leaving me a XXXX balance. Most always paid off balances monthly during time I used the card so no interest should be charged. 
Noticed that {$12.00}. XXXX interest charge effective XX/XX/23 on this XXXX balance but paid under protest. 
Wrote to Barclay 's to complain about this and dispute these false charges @ XXXX XXXX. 
Received response from Barclay 's that insulted my intelligence. They claimed I cancelled the credit card XX/XX/XXXX or some gaslight nonsense. 
Reduction is for them to refund me {$510.00} And like I told my co worker when I went with her to her church and the pastor got up to preach at XXXX XXXX  : they won't have to worry about me no more, no way, no how

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 2024-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I submitted two payments to Freedom Mortgage on XX/XX/XXXX. I originally submitted a payment for {$1100.00}, but cancelled it once I realized it was for the incorrect amount. I submitted a new request for {$1800.00}, which was the correct amount for my monthly payment ( see attached e-mail confirmation from Freedom Mortgage ). Freedom Mortgage also verified that. ( see attached documentation ) On XX/XX/XXXX, I noticed the mortgage payment had not been deducted from my bank account. I immediately called Freedom Mortgage and made the XXXX payment over the phone, which I thought was paid on XX/XX/XXXX when I received the e-mail confirmation that it had been submitted. I had no reason to think it had not been processed as normal. Freedom Mortgage has admitted that the payment I submitted on XX/XX/XXXX was not processed for whatever reason. I made the payment on XX/XX/XXXX and it's out my control that it wasn't processed. Freedom Mortgage is failing to take ownership that it's their responsibility to ensure payments get processed when a customer submits them on their website. They are refusing to update the credit bureaus due to a glitch on their end with processing my payment.

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 2024-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
XXXX XXXX a VA loan buyer wanted to assume the loan and made earnest payment -numerous calls to freedom mortgage from XX/XX/19 to XX/XX/XXXX requesting information, how to fill out packets, how to start the assumption process, how to fill out paperwork, I asked for check lists and examples, company continued to not answer and only sent a single page request form. weeks into the process the company said the the information on the one page was not good enough and we had to start over -late XXXX ( roughly XXXX ) I had three way call with buyer and mortgage company, set a date of XX/XX/XXXX for him to meet with a loan processor -XXXX  XXXX a assumption packet was allegedly mailed to buyer, no tracking number provided -XXXX XXXX- company says that window to apply for loan has closed, we convinced them to mail another packet -XXXX XXXX second packet was allegedly delivered, no tracking number, packet was never delivered -XXXX XXXX I called company to escalate, no one would escalate call to managers, assumptions team would not talk to me, loss mitigation team was able to take call but did not have any informatino -XXXX  XXXX I talked to assumption team, they said on the XXXX and XXXX of XXXX an email with e sign docs was sent to buyer. This contradicts information about a mailed packet. they confirmed email. I spoke with my agent and she said the buyer has received no emails or mail from freedom mortgage.

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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I've put several complaints in pertaining to Midland. About an alleged debt they say I owe. They brought the debt which that's illegal because the company who sold the alleged debt ( XXXX XXXX XXXX XXXX  I never received the 1099c form so I contacted the IRS against XXXX XXXX XXXX for tax fraud. I've asked Midland to stop contacting me and they are still sending me letters. Tomorrow I will be going to the post office because this is Mail Fraud. Midland said they would Cease and Desist contact. Today XX/XX/year> I received a letter from Midland. I thought It was from XXXX XXXX XXXX because that's what the letter says, but when the person answered the phone it was Midland. Midland is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am unable to access my Nelnet student loan account. I have no access. My account and password information is not accepted. When requesting to reset password ( thinking this will help ) I am told that a reset link was sent to my email. It never is. I've been trying since XX/XX/XXXX. Nothing works. 

Along with repeatedly trying the above, I have tried to call. The phone system is barely audible, fuzzy, and has extremely long wait times. When the automatic prompt asks me for my information to speed up the process, I enter my soc sec number and XXXX but get the same results. The system does NOT recognize me and loops me back to waiting on hold. 

On XX/XX/XXXX I sent the following message via their online inquiry form : " Since XX/XX/XXXX, I have been trying to access my online Nelnet account without success. I have requested the ability to reset my password ( by selecting the link provided on your site ). Each time, the Nelnet site says it is emailing an authentication code. I never receive this code or ANY email from Nelnet. For months I have tried. For months, I do not receive the code. I diligently check my Spam and Junk email folders -- -there is no code. There are no emails at all from Nelnet. Of course, being unable to enter my account, I do not know how much I owe or when my due date is, can not enter my change of address, and, most importantly, can not PAY MY MONTHLY BALANCE. I am very worried this will affect my credit rating. Further, calling Nelnet is not helpful as your lines are very busy. Please advise what is the best way to approach this and please delete any negative reflection this will have on my end. Thanks for your help. '' As of today, XX/XX/XXXX, I have not received a response. I have not even received a confirmation email that this uploaded message within their own Nelnet website/system was received. 

This is beyond NEGLIGENT. Each month that goes by, without access to my account and without access to pay my loan, damages my credit report and builds more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I just paid my American Express Delta Skymiles Blue card a {$36.00} amount which is comprised of only late fees and interest. This started with a bill for {$9.00} that was due on XX/XX/XXXX. I paid it off on XX/XX/XXXX, 14 days late. I was then charged a {$9.00} Late Fee with {$0.00} interest for which I called customer service and asked them to waive which they agreed to do. It was my first time paying late with them. They, however, only waived the {$0.00} interest and not the {$9.00} Late Fee, which was also promised. As I erroneously thought this was over, they then charged me another late fee of {$9.00} with {$0.00} interest which I did not immediately notice. When I did notice the charges, I called them on XX/XX/XXXX to resolve and they told me no as they had already provided a credit within the last 12 months. This was the minor credit of {$0.00} for the initial interest. Today another late fee of {$18.00} was charged along with more interest of {$0.00} bringing the total amount owed to $ XXXX $ XXXX $ XXXX $ XXXX {$0.00}. As a reminder these are all late and interest fees. To avoid further trouble I paid the {$36.00} off today. This {$36.00} amount was solely driven by a {$9.00} bill that I paid 14 days late for which they promised to waive the Late and Interest fees for but missed waiving the Late fee. These are the Junk Fees customers have to pay to abusing financial institutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 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: MD

Complaint narrative:
On XX/XX/year> XXXX, Transunion, XXXX and XXXX reported bankruptcy on my credit report and file. The agencies listed above needs to remove the inaccuracies of reporting and its a violation of METRO 2 Compliance. I have uploaded the FTC report I have filed and documentation from the US Bankruptcy Court showing that they do not provide information to 3rd parties. I did NOT consent to anything being posted on my credit report or file.

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 2024-01-23 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: MD

Complaint narrative:
On XX/XX/year> XXXX, XXXX, Experian and XXXX reported bankruptcy on my credit report and file. The agencies listed above needs to remove the inaccuracies of reporting and its a violation of METRO 2 Compliance. I have uploaded the FTC report I have filed and documentation from the US Bankruptcy Court showing that they do not provide information to 3rd parties. I did NOT consent to anything being posted on my credit report or file.

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 2024-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX -Hard inq : Capital One ( Bank ) XX/XX/year>XXXX   They have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

XXXX - Hard inq XXXX XXXX, XXXX XXXX They also have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

PUBLIC RECORD XXXXXXXX XXXX BANKRUPTCY XXXXXXXX  No money is owed and nothing was finalize and was also got a dismiss later and was told it would be removed due to error

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX SSN XXXX I want my MONEY! immigrant XXXX SSN XXXX I have ATTACHED all the info! Ok! I opened an account in XXXX CO XXXX. Deposited a check and cash. Total : {$4200.00}! I left and when I was on the XXXX bus to XXXX CA and opened my account using my XXXX  on the bus network the account balance was XXXX! My money was gone! I had an address in my online bank account at the time that READS XXXX XXXX and a name that had nothing to do with my account! 

For no more! 
XXXX Garnishments between XXXX and today 's date in XXXX counties, XXXX AZ, XXXX NM, XXXX NV and in XXXX! Close to {$18000.00} USD!

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