vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I paid off my car on XXXX ( with a small overage... ). The website promises that the lien will be released and the title mailed three business days after being paid off with XXXX. I called in XXXX business days later and was told the lien was going to be scheduled to be released and the title sent on XX/XX/XXXX ( not in compliance with their own website, but still, fine... ). The individual that I spoke to when I called in confirmed that I had in fact paid a sufficient amount to release my title when I paid off my loan. 

The lien is still not released as of XX/XX/XXXX on the Illinois Secretary of State 's website. 

This is the second time that Wells Fargo Auto has done this to me! I shouldn't have to submit a complaint to get Wells Fargo Auto to do their job and give me the rightful clean title to my car after I pay off my loan. 

Warning to consumers : don't get an Auto Loan with Wells Fargo Auto. They won't treat you fairly or in compliance with their own stated rules when you pay off your loan.

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 2024-05-12 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account has violated Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX security credit service has violated 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

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 2024-05-12 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account has violated Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX security credit service has violated 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-12 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:
I have submitted disputes regarding information on my credit report which includes balances that are over 3 months behind. I also noticed a significant drop in my Transunion and XXXX credit scores and was not told why. XXXX is the most accurate regarding balances and scores. There is a XXXX point discrepancy between XXXX and XXXX ( XXXX XXXX to XXXX XXXX ) and a XXXX point discrepancy between Transunion and XXXX ( XXXX XXXX ) I have disputed these balances on both XXXX and Transunion with XXXX response. Many of them state there is a lag in balance reports. XXXX is up to date why aren't the others? 

I asked for a Credit Report from Transunion with the representative online. He sent me to a website that was supposed to provide the report at the end of a lengthy questionnaire where I had to provide my social security number and date of birth, private personal information it said for Transunion I would have to submit a request by mail or phone or purchase their credit monitoring service.

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 2024-05-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
Purchased and activated a vanilla visa gift card at XXXX. The card numbers are not matching the online activation site ( XXXX digits printed vs. XXXX digits required ) The company has no customer service options or means to contact a human. The card was properly activated. It is not usable online or at a retail store.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-12 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
In accordance with the Federal Credit Reporting Act the following creditors have violated my rights : - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.Code 1681 Section 602 states I have the right to privacy. 15 U.S.Code 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.Code 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-05-12 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is not my account according to FCRA law 15 USA 1681 an 15 USA 1681 I they are supposed to check an make sure it's accurate before adding it to my credit report it's fraudulent an should be deleted I have did all the steps an still no response from company or credit Bureau please delete thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is not my account according to FCRA law 15 USA 1681 an 15 USA 1681 I they are supposed to check an make sure it's accurate before adding it to my credit report it's fraudulent an should be deleted I have did all the steps an still no response from company or credit Bureau please delete thanks

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 2024-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I started a loan assumption with Wells Fargo in XX/XX/year>, in XXXX I started sending information to XXXX XXXX to be sent to underwriting. I was given a closing date of XX/XX/year> at the beginning of XXXX. I am still being requested to send documents to be sent to underwriting. Recently I was asked for pay stubs from XXXX!!! Why wasn't that asked for months ago? In general, they just keep asking for more bank statements, then more checks, I keep providing the information and they just keep asking. This is getting very frustrating for me and the seller who is stuck in the hospital and can't afford hospital bill and to keep paying the current 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 2024-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Bitstamp USA, Inc.
State: CA

Complaint narrative:
I opened the account with Bitstamp and made a deposit of {$10000.00} USD on XXXX XXXX, 2023. While Bitstamp deals with virtual currency, I never purchased any virtual currency and today my {$10000.00} USD is sitting at Bitstamp. They give no reason why I can not withdraw it back to my funding account. They have held it for 6 months and give no reason why they are holding it. They have gone through multiple people on the support line and they are clearly stalling, and unorganized. 

All I want is to withdraw my funds to my funding account.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have several mortgage accounts with XXXX XXXX including loan number XXXX for the property XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I have been paying the monthly mortgage for the past 3 years on time as shown in the attached document. This was a non-escrow account since I have been paying for the property tax and insurance myself. In XXXX, XXXXXXXX XXXX bought for me a very expensive insurance saying that I had a lapse in insurance from XX/XX/2023 to XX/XX/2023. I never had an insurance lapse and my insurance agent XXXX has been providing them with proof of coverage. It took XXXX emails and multiple phone calls to get XXXX XXXX to realize their mistake. They are sending me the check for overpaid money forcefully taken from me. They have realized their mistakes but they are not retracking the credit agency reporting despite multiple requests. 

I need help to discipline XXXX XXXX  's unethical and deceptive business practices and to fix the credit reporting issues they have created.

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 2024-05-12 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: MS

Complaint narrative:
XXXX XXXX XXXX  XXXX is not my account according to FCRA law 15 USA 1681 an 15 USA 1681 I they are supposed to check an make sure it's accurate before adding it to my credit report it's fraudulent an should be deleted I have did all the steps an still no response from company or credit Bureau please delete thanks

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 2024-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was informed that my account was being close due to " unexpected activity ''. Ive been a loyal customer for 14 years for personal use and business for that 7 years. My spending behavior has not changed and all my expenses are there in my statement. I have a credit union that can transfer large amount off money to external bank so i would pull out money from the credit union to place into my chase account to pay off my business card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: FL

Complaint narrative:
I am writing to inform you that the associated accounts linked with XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX has undergone successful discharge through the Internal Revenue Service ( IRS ) via a 1099C form. Attached herewith is Copy B of the processed 1099C from the IRS for your reference. 

As a direct consequence of this account being settled and discharged by the IRS through a 1099C, I hereby request the immediate deletion of the charged off accounts currently being reported on my consumer report. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have submitted disputes regarding information on my credit report which includes balances that are over 3 months behind. I also noticed a significant drop in my XXXX and Equifax credit scores and was not told why. XXXX is the most accurate regarding balances and scores. There is a XXXX point discrepancy between XXXX and Equifax ( XXXX XXXX to Equifax XXXX ) and a XXXX point discrepancy between XXXX and XXXX ( XXXX XXXX ) I have disputed these balances on both Equifax and XXXX with XXXX response. Many of them state there is a lag in balance reports. XXXX is up to date why aren't the others? 

I asked for a Credit Report from XXXX with the representative online. He sent me to a website that was supposed to provide the report at the end of a lengthy questionnaire where I had to provide my social security number and date of birth, private personal information it said for XXXX I would have to submit a request by mail or phone or purchase their credit monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: MOHELA
State: MA

Complaint narrative:
In XX/XX/2024 I reached out to Mohela after I noticed my credit score was impacted due to in increased balance on my student loan. I found that MOHELA capitalized my interest after placing my loan into administrative forbearance with no communication as to the reason for administrative forbearance. At no point in time did I request to defer payments. I am eligible for PSLF and am on the SAVE plan and per FSA guidelines, " The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest. '' ( udentaid.gov/announcements-events/save-plan # benefits ) I have asked MOHELA to clarify the reason for the continued balance increases, they will not provide a response to my question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I previously used the Zelle mobile app for sending and receiving money amongst friends. Only the mobile app can be used, because my bank has not built a direct integration with Zelle on their end. 

One day, I was no longer able to log in to the Zelle mobile app, with no rationale for the error. Upon contacting customer support, I was informed that I was being blocked by an automated security system, and that there was absolutely nothing that could be done to fix or adjust the incorrect decision of this system. I escalated the issue to management and was told that Zelle reserved the unilateral right to decline services to me without notice or explanation, and that no assistance would be provided. 

I find this to be an unacceptable resolution. It is inappropriate for financial services companies to discriminate against consumers on undisclosed grounds disguised as " security ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: IL

Complaint narrative:
XX/XX/XXXX I took out a loan online at XXXX. In XX/XX/XXXX I contacted the company via their 800 number. I spoke with a customer service representative because I was experiencing financial hardship and could not make the monthly payment. I was told that I had to call on XX/XX/XXXX when the loan was 30 days past due to request to be put on the hardship program. I was told that as long as I called before XXXX a.m. XXXX my loan would not be reported late. 

I called the 800 number three times on XX/XX/XXXX, and was told that XXXX was experiencing issues with its website which prevented me from being offered a hardship program and that they were not aware when the issue would be resolved. 

During the third call I spoke with a representative whose first name was XXXX. I decided to use the money for my rent to make the payment to avoid a 30 day late payment of my credit report. I made the payment while XXXX was on the phone with me and she confirmed that I was making the payment before XXXX p.m. XXXX and it would not be reported as late event though the system stated the payment would not post until XX/XX/XXXX. 

XXXX stated this was an error as the website was experiencing issues and that she was created a ticket so that her supervisors and others were made aware of the issue. 
XXXX told me to send an email to XXXX to also make them aware of the matter. I received a response from XXXX stating my payment was late and would be reported to the credit bureaus. 

On XX/XX/XXXX, I called the 800 number again and once again spoke with XXXX. She reviewed the email that I received from XXXX and stated she would escalate the issue to her supervisor because my payment was not late. 

After speaking with XXXX, I again received an email from XXXX stating my payment was not received on-time. I am filing a complaint because of the inaccurate credit reporting. 

Prosper states all calls are recorded. Therefore, my calls should be able to be reviewed.

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