vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: EdFinancial Services
State: PA

Complaint narrative:
I have XXXX loans being serviced by EdFinancial. XXXX is a XXXX - XXXX loan ; XXXX is a XXXX - XXXX loan. I did not make payments on the loans while the XXXX forbearance was in effect. 

On XX/XX/2023, I made a trial payment of {$360.00}. 
On XX/XX/2023, I made a payment of {$20000.00}. 
On XX/XX/2023, I made a payment of {$430.00}. 
On XX/XX/2023, I made a payment of {$460.00}. 

With XXXX of the XXXX payments ( I believe the first, but nothing on the website will confirm ), I paid the remaining balance due on the XXXX XXXX. With the second payment, they auto-allocated a portion of the payment to the satisfied loan, resulting in that account having a negative balance. I could not override that. 

I have made multiple phone calls to address this issue. I can not make additional payments toward my existing loan without XXXX auto-allocating a portion to the satisfied loan, thus growing the negative balance. When I try to allocate that payment to {$0.00}, I get an error message. 

I made my first call to the company at the end of XXXX or early XXXX ( did not record the date ) and was told that this was my error. It was only after about an hour on the phone that the representative understood what was happening. 

I called again on XX/XX/2023 and was promised a return phone call by the end of the week. No call was received. 

I called on XX/XX/2023 and made XXXX progress. I was told that it is " processing. '' However, nothing on my end of the website indicates that any action has been taken. I am still unable to make a payment without a portion being assigned to the satisfied loan. The website will not let me set the payment amount to {$0.00} ( or to anything less than {$140.00} and change ). 

During multiple phone calls, I have been told the following : It can be escalated but all of the supervisors are out. 
Nothing can be sent in writing about this issue. 
Someone will call me back by the end of the week ( XXXX weeks ago ). 
That they will fix this and that my interest caused by this delay will be retroactively reversed ( seems unbelievable ). 
It can not be escalated because it has not been XXXX business days ( inaccurate ). 
The overpayment will be credited to my account ( has not happened ). 
I will be contacted by a supervisor within XXXX hours ( TBD ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: IL

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 confidentiality under 15 USC 1681. 

Account Name : XXXX CARD Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: TX

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy. 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance if the validation of debt request isnt completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against Wells Fargo Bank Regarding Credit Limit Reduction Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Wells Fargo Bank concerning a recent decision to lower the credit limit on my credit card account without what I believe to be a reasonable justification. 
On XX/XX/XXXX, I received a notification from Wells Fargo stating that my credit limit on the account ending in [ last four digits of your account number ] was reduced from {$16000.00} to {$9100.00}. I am deeply concerned about this decision as I have always maintained my account in good standing, never missing a payment, and adhering to the terms and conditions of my credit agreement. 
The stated reason for this credit limit reduction was provided as " payments too low. '' However, I find this explanation puzzling, as I have consistently met and exceeded the minimum monthly payments required by Wells Fargo. Furthermore, my financial responsibility has been evidenced by the fact that I am diligently paying down the balance within the 0 % interest period, which is set to expire in XX/XX/XXXX. 
The reduction in my credit limit is particularly distressing given that I am still within the promotional 0 % interest period for purchases until XX/XX/XXXX. This decision places an unnecessary financial burden on me, affecting my credit utilization ratio negatively and potentially impacting my credit score. As a conscientious and responsible cardholder, I find it disheartening that a decision based on " payments too low '' would be applied without a clear and comprehensible explanation.

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and urges Wells Fargo to reconsider and rectify the decision to lower my credit limit. I believe that this action is not only unwarranted but also has the potential to adversely impact my creditworthiness and financial well-being.

I appreciate your prompt attention to this matter and look forward to a resolution that ensures fair and transparent banking practices.

Thank you for your assistance in this regard. 
Sincerely, XXXX XXXX

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

Complaint narrative:
My credit file on Equifax has been mixed with someone else. I have submitted XXXX disputes and a CFPB complaint and the issue was not resolved. The rules say I can no list personal information, but my name is mixed with someone elses on Equifax. 

There is a name that keeps showing up on my Equifax report that is NOT mine & was NEVER a name used by me. 

You can review all XXXX of my active credit line accounts, my bank information, driver 's license ( which I submitted in multiple disputes ) to see that the listed name does not belong to me. 

This is not correct and I want this persons name removed from my report immediately. My legal first, middle & last name from my social security number, driver 's license, and all legal documents does not have a single name in common with this person. 

I have attached XXXX documents showing my identity. Remove the wrong name from all aspects and previous Equifax reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XXXX of this year ( XXXX ) I discovered a check had been stolen from a XXXX Postal Service mailbox and {$2900.00} check was deposited into a Citizens Bank account without my consent. The check had been washed and re-written - only my signature was original. I immediately notified my bank, XXXX, and filed a claim. Since then, XXXX has done nothing to help me recover the funds other than sending demand letters to Citizens. I have received inaccurate information from XXXX Claims " Specialists '' on multiple occasions. For example - my claim was closed because Citizens did not respond. Then when I called, they said to disregard that information that it was still open. When I called to check on the status XX/XX/XXXX I was informed again that XXXX closed my claim because Citizens had not responded to them. It is my understanding that Citizens has a certain amount of time to respond and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: PA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these inquiries that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( i ) I have the right to deny anything being reported on my credit report.

15 U.S code 1681n Infamis of pulls or unauthorized account not mines.

I will have to file litigation due to the stress you cause me. I am authroizing this investigation this is not a third party company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There was several claims and disputes on the account due to fraudulent activity and 1 I was concerned about was with XXXX when I filed a claim because my phone and my wallet was stolen along with my backpack. I had to get a new phone and when I got the new one, I called and check up on the claim, and they close the account around say XXXX or XXXX they were not letting me log back in view my account do any banking income or outgoing, withdrawals, or deposits of any kind, and I was pretty much put on account closure notice unable to withdraw Any funds and I am on XXXX for Social Security. I called and requested and asked, can I go to the branch, but at every turn they would not let me get any money out would not let me do anything and left me with no options to get funds and now I am in a current situation where Im be evicted and currently being evicted due to not be able play my rent and withdraw cash which I requested and they denied and was told that I can not receive any money until they close the account completely I kept calling. I happen to get ahold of a representative very helpful individual that told me that they could do something where they would open a new account for me and transfer the funds to the new account and then they would set up the new accounts and have all my money just transferred over so I have access to it so I can pay my bills And make rents and we are all taken care of on all your account set up, and when you came time to lifting the notices, I was told no and to make it worse. I called back again today question and find out when the date of my account closing annd the date for expected cashiers check and they have now told me that there is no timetable. They originally said it was gon na be XX/XX/XXXX and now they were telling me they is no set date or time table of closure for my account they dont have one set so I am going on 2 months without aability to get any funds, and I am currently in process and have been served papers to be evicted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a large payment to pay down a promotional balance and avoid the accumulated deferred interest, but they decided to apply the payment toward another promotion resulting in the accrued interest being added to my balance, which is what I was trying to avoid. I call and asked for the payment to be applied correctly and they refused o make any changes to the way the payment was applied, which resulted in an additional @ {$800.00} being added to my balance. The way they applied the payment seems illogical. Why would they not apply a payment in a way that would result in the smallest balance and the least amount of interest. 

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 monetary relief
Consumer complaint received 2023-12-12 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My XXXX account has unauthorized transactions going on over the last 3 months, and when I tried to dispute it, I am unable to reach anyone in customer service. Then atm fees, and overdraft fees are being overcharged on my account as well. 

Found Business Account was closed during a dispute process and was never able to retrieve missing funds or gain access back into my account. They said they closed it, but when I checked on it, I was told the account was still open and active. 

Providers Bank Card fraudulent and unauthorized transactions from the month of XXXX XXXX XXXX  Normally they assist me in any matter that I have but providing this information for my records and your records as well. 

Wells Fargo still haven't reimbursed me the funds that was fraudulently taken from me and from my XXXX benefits through this account, Forged signature accord to have this account closed, and they been telling for over a year that they will come to a resolution but then hear nothing from them. After we both agreed this account was fraudulent and compromised.

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