vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Submitted request to open checking account on Wells Fargo online banking site. Was approved, provided an account number, a savings account number, set up a PIN for my new debit card. word of mouth from coworkers direct deposit payday checks deposited at least 1-2 days sooner. Friday, XX/XX/XXXX I was in process of depositing my opening funds to Wells Fargo account I received email that both my checking and savings accounts would be closed XX/XX/XXXX. Made phone calls to find out why based on information from a third party company, XXXX XXXX, I had an account back in XXXX Wells Fargo closed XXXX due to inactivity, therefore I would NEVER be able to open an account with Wells Fargo in my lifetime. This was 4-5 days AFTER my account had been APPROVED and WELCOMEd. I received my Wells Fargo debit card in the mail today. Wells Fargo should HONOR and standby whatever parameters they have for their online applicants. I had already set up my direct deposit and was preparing to change my social security check. I am not happy with my current bank. 
Everything that occurred back in XXXX was related to an estate battle with siblings after my mother passed away, my XXXX XXXX diagnosis then divorce. I am trying to get my life together. 
So I dont think Wells Fargo XXXX XXXX days AFTER being approved and welcomed to all of a sudden rock everything I am trying to accomplish. 
I want them to stand by their approved status for my checking and savings account and treat me like a valued customer.

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 2023-12-31 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: TX

Complaint narrative:
I submitted an application for the income-driven repayment plan ( SAVE ) back in XX/XX/2023 with Mohela, who is my loan service provider. Since then, I have called at least once a month to check on the status of the application, because it was not getting processed. I was repeatedly told that it would take around 10-15 business days. On late XXXX, the customer service specialist I spoke with said that for some unknown reason, my application did not get processed, and she sent it to a higher priority list. She said there was nothing missing from my end ; it was a delay from Mohela itself. Again, I was told that this time it would certainly take 10-15 business days. It is now XX/XX/2023, and the application is still under processing. Because of the delay, interest is being accrued on my loan. I have repeatedly asked if there was something missing from my end, and the answer I always received was no. I have done my part since XXXX, and I'm still waiting three months later for Mohela to take care of their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I called this Santander consumer about my account being that the car I got- I returned do to losing my job and I returned it before any payments had started- but I see on my credit report I missed a payment for that same car and that car has since been returned and I'm it's plates surrender to the DMV - also it's title -l My credit score has gone down XXXX points do this error - 1 - I don't have the car anymore 2. Any contract is null in void once their merchandise is returned - 3 - the tow company also sent them notice to come get their vehicle from the tow yard - they are running a scam not reporting that that have the vehicle back and only reporting I missed payments when I don't have any payments- with the car return and I called three times to closed that account but yet it keeps staying active on their part as some scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Credit Card Services : I am a XXXX XXXX who was XXXX XXXX XXXX for the pre-release XXXX XXXX before XXXXXXXX XXXX I noticed my discover credit card was being used for monthly payments for the service. I do not use the service, and even my cable provider includes the service ( XXXX  ) with the subscription. 
I disputed previous cases with discover and never have been turned down by the dispute process. However, in disputing 8 months at {$10.00}, I am being turned down, despite ample proof of XXXX for all of these months. The reason is that the " company responded '' to the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have submitted multiple payments through my checking accounts at XXXX  XXXX XXXX. They would return the payments, return the funds to my accounts, and then charge me fees. I have had to do this multiple times. Even when I transfer funds when a payment is pending to be paid from the account the bank would still return the payment. Then this causes other issues with creditors. I have communicated with XXXX XXXX XXXX about these errors and they refuse to acknowledge them at all. I have sat with multiple bankers and managers and they inform me to call and explain to the bank. I have been a client for almost 20 years and I have never been treated this way. This practice is similar to the ones cited below. This has caused XXXX XXXX XXXX to settle a class action lawsuit. 



XXXX XXXX XXXXXXXX

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I HAVE PREVIOUSLY DISPUTED ( XXXX XXXX XXXX XXXX ) WITH YOU, AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE STATED THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIYFING THE ITEM WITH THE COURT WAS EITHER An ERROR OR A LIE. EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. ALSO, THE ADDRESS THAT IS ATTACH TO THIS IS INCORRECT DOES NOT BELONG TO ME ALSO MUST BE DELETED. Also, I XXXX XXXX opt out of third party receiving my information as it is a violation of privacy act of 1974.

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 2023-12-31 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: ID

Complaint narrative:
I am being denied for credit due to my credit scores appearing nearly XXXX points less on XXXX in my letter denying credit. 
My scores are not all in agreement with the information reporting and the scores creating major conflict within my financial strength and capabilities. 
My score across all the bureaus are all wildly different. Equifax is XXXX while XXXX is XXXX. I want my reports all to reflect accurately and precisely so that I dont have to spend hours upon hours losing sleep figuring out what is correct and incorrect. XXXX of XXXX is ideal for me and I would like the other bureaus to mirror the information. I further ask that when reporting my score to a potential creditor that it be send accurately and in real time. The denial letter from XXXX XXXX services via XXXX is specifically targeted. The letter said my score was XXXX! A far leap from XXXX. Please make sure an accurate credit score is being provided. This is damaging me financially, its crippling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am being denied for credit due to my credit scores appearing nearly XXXX points less on XXXX in my letter denying credit. 
My scores are not all in agreement with the information reporting and the scores creating major conflict within my financial strength and capabilities. 
My score across all the bureaus are all wildly different. XXXX is XXXX while XXXX is XXXX. I want my reports all to reflect accurately and precisely so that I dont have to spend hours upon hours losing sleep figuring out what is correct and incorrect. XXXX of XXXX is ideal for me and I would like the other bureaus to mirror the information. I further ask that when reporting my score to a potential creditor that it be send accurately and in real time. The denial letter from XXXX XXXX services via XXXX is specifically targeted. The letter said my score was XXXX! A far leap from XXXX. Please make sure an accurate XXXX XXXX is being provided. This is damaging me financially, its crippling.

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 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: KY

Complaint narrative:
My student loans were transferred to Mohela several months ago. On XX/XX/XXXX, I submitted a consolidation application and an income driven repayment application ; both of which are still " in review '' per studentaid.gov. 

For years, I have qualified for income driven repayment and my income has not changed so I do not anticipate it will change this time. However, Mohela has me schedule to start paying over {$700.00} a month beginning XX/XX/XXXX. This is half of my monthly income, if not more. 

I can not reach a representative at Mohela due to extended wait times that I can not accommodate. I have submitted complaints with Mohela and XXXX, but the due date is fast approaching and I can not afford the payment they are seeking. 

Sending a bill for a loan that has an incomplete application is unacceptable and feels fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
For several months my tenant paid for a portion of her rent with money orders that were issued by Walmart in XXXX, PA. Walmart now refuses to cash these money orders despite the fact that they were made out to me and I presented identification. I attempted to cash them at my financial institutions on several occasions within the last 12 months. They would not honor them. It is now one year and several months past the one year mark from when two of these money orders were issued, and though there is no mention of additional fees to cash them in Pennsylvania on their website, nor on the money order, XXXX XXXX claims that the money orders have depreciated significantly in value, and can not be cashed any longer at face value, though it does not mention this anywhere on the money order nor on their website either. Walmart refuses to cash even the money orders that it issued within the past month. When I called to find out why, the representative stated that it somehow violated Walmart policy to cash my money orders that were made out to me to cash, but she would not say why. I feel that this is discriminatory because I am a divorced woman who owns a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
A XXXX XXXX sent me money under a false name of XXXX XXXX XX/XX/XXXX which I returned on XX/XX/XXXX. She file a claim about a purchase which makes no sense.Anyway, on XX/XX/. Venmo confiscated {$3.00} from me and froze my account demanding I pay {$390.00}. for the same money I paid back on XX/XX/XXXX. I sent them correspondence on XX/XX/XXXX this claim was false and they are know stealing money from me and extorting me for more. Venmo has serious risk issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: PNC Bank N.A.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family. please remove the fraudulent account from credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I was alerted to unauthorized activity in my account. I then noticed a wells Fargo XXXX XXXX  XXXX was added to my account that I didn't authorize or apply for. I reported it immediately over the phone and in person at the XXXX mn bank. 
I was told by personal banker XXXX XXXX XXXX not to report it to the police. A few days later I noticed a charge of {$1000.00} and I immediately went back to my XXXX branch to report it as well as numerous phone calls to wells Fargo. Over the course of the next 3 months wells Fargo continuously told me lies and falsehoods about my situation. Wells fargo took the application with fraudulent information and limited personal information like my address and home phone number and approved it without my authorization or knowledge. They wouldn't help me and in fact took this fraudulent XXXX reintroducing it into my account XXXX separate times with XXXX separate numbers. I didn't know who to turn for help after they tried to get me to pay interest on the fraudulent card. The person they assigned to my case XXXX XXXX lied about my situation to me and complaints about the lies went unanswered over and over. Nothing I did or said made any difference to Wells Fargo so I finally closed my checking and saving accounts after decades of doing banking. On XX/XX/XXXX I finally had enough of wells Fargos fraud and corruption towards me and filed a police report to get wells Fargo to quit committing the fraud they kept perpetrating on myself. I'm not entirely sure but an employee might have committed this act since I read numerous articles describing the kind of corruption and fraud I experienced with Wells Fargo. Wells Fargo could have been a hero in this situation but they turned into the villains siding with the Scammers over me the Customer.

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 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Originally I attended the XXXX  XXXX XXXX in XXXX and XXXX in XXXX. When I XXXX my loans were eventually transferred to Navient. Navient has taken over my loans and throughout the years they were continuously placed in forebarance due to hardship Recently I found out through social media that the XXXX XXXXXXXX XXXX and Also Navient where my loans are currently with are both being sued for misleading students throughout the years and fraud activity and so on. 

My question to Navient which is where my loans are with is why hasnt the XXXX  XXXX XXXX and Navient notified me on the lawsuits and why are they threatening my constantly for years about making payments when they know they are under a lawsuit which they did not inform me of. Also, this has caused me great XXXX and stress throughout the many years because economically I can not afford to make these payments and both the XXXX  XXXX XXXX and Navient both knew they were misleading the students and knew we would never ever be able to fully repay these loans due to their misleading and scheming throughout the years. This is wrong and something needs to be done here because its affecting my credit. And they have refused to remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered charge offs on my consumer report. According to the I.R.S. Publication and laws charge offs are considered a certificate of indebtedness which is considered income and income can not be reported on my consumer report pursuant to 26 U.S. Code 61 / 26 C.F.R. 1.643/ 20 C.F.R 211.2. Please remove these accounts these inaccuracies are adversely affecting my credit score and reputation. I will be contacting appropriate agencies such as the Security Exchange Commission pertaining to security fraud. 

These addresses are not associated to me and non mailable residences. 

XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove these addresses.

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 2023-12-31 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 discovered charge offs on my consumer report. According to the I.R.S. Publication and laws charge offs are considered a certificate of indebtedness which is considered income and income can not be reported on my consumer report pursuant to 26 U.S. Code 61 / 26 C.F.R. 1.643/ 20 C.F.R 211.2. Please remove these accounts these inaccuracies are adversely affecting my credit score and reputation. I will be contacting appropriate agencies such as the Security Exchange Commission pertaining to security fraud.

These addresses are not associated to me and non mailable residences. 

XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove these addresses.

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 2023-12-31 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: FL

Complaint narrative:
I discovered charge offs on my consumer report. According to the I.R.S. Publication and laws charge offs are considered a certificate of indebtedness which is considered income and income can not be reported on my consumer report pursuant to 26 U.S. Code 61 / 26 C.F.R. 1.643/ 20 C.F.R 211.2. Please remove these accounts these inaccuracies are adversely affecting my credit score and reputation. I will be contacting appropriate agencies such as the Security Exchange Commission pertaining to security fraud.

These addresses are not associated to me and non mailable residences. 

XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove these addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I demand the XXXX, XXXX XXXX and XXXX XXXX XXXX be immediately excluded from my consumer report, unless there is proof of signature that I did indeed do business with this company. If there is no such proof, which there is none, then this is consider IDENTITY THEFT and needs to immediately removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting From Identity Theft. I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance . I also demand any alleged transactions/ experiences be excluded on the grounds of 15 USC 1681 a Definitions ; Rules of Construction ( 2 ) Exclusions- Consumer Report- DOES NOT INCLUDE- ( A ) ( i ) Reports containing information solely as to transactions or experiences between the CONSUMER AND THE PERSON MAKING THE REPORT, also 15 USC 1666b Timing of Payments ( a ) time to make payments- a creditor MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE also 15 USC 1682b- Permissible Purpose of Consumer Report 15 USC 1681eb Maximum Accuracy Shall be reported! Even if this account was mine A charged off status and late payments are transactions and experiences which by law should NOT be reporting to the consumer report anyways, I was also part of the XXXX Data Breach which I am taking action, my personal information is compromised 15 USC 6802 No Financial Institute can Disclose your Nonpublic Informtation because my information has been compromised, I demand you take immediate action, I have attached proof of address and DL ( dl address will be changed ) so you TransUnion can stop your stall tactics!

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