vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CT

Complaint narrative:
I was receiving monthly bills for {$910.00} from XXXX Mohela for my student loan. My first issue was back on my first bill in XXXX. I put in the information to my bank account using my correct ID number for this loan account and I provided the address information that I had on the bill. Apparently that is not the correct address as that does not go to the billing center which doesn't make sense considering that's the information given to me on the bill. I had to wait weeks for this payment to finally go through. One end it said it was paid but I never had the money taken out of my account. I was frustrated and becoming worried that I would not have the money in my account when they finally took it out AND that I would have to do another payment before this original payment was taken out ( essentially XXXX {$910.00} payments at once ). 

I finally contacted them when I noticed it wasn't being taken out as I'm now worried that it would mess up my credit score/interest charges, etc. They informed me that the check from my bank was being sent to the wrong office. I informed them that I have no other information about where to send and the correct information should have been provided. This was cleared up as I expressed my frustrations. 

I now did not receive my XX/XX/2023 bill that was due on XX/XX/2023 until XX/XX/2023. I received the bill A MONTH late and 11 days after the payment due date. I called to inquire before the due date why I had not received a bill for this month ( with all of the repayment plans, etc it gets confusing what is actually due when ) and they informed me that a bill was sent and I do have the payment ( they have claimed sending me bills before with another loan I have with them but I have never received them in the mail ). They resent that bill and I got the original one in on XX/XX/2023. I then received XXXX 's bill a few days later totaling XXXX 's " missed '' payment and XXXX 's making it {$1800.00}. I again call in a panic asking what is the true payment I owe and did they even receive my XXXX payment. They told me I only had to pay the original {$910.00}. 

It is a monthly battle with this company to receive accurate and timely information. I spend every month having to call them to figure out something whether it is because they are not sending me bills, sending them late or providing inaccurate payment amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc.
State: AZ

Complaint narrative:
My relatives are getting called non stop, they have never reached out to me. Call seems like phishing to be honest. Threaten my relatives with legal action against me. This apparently has been happening for weeks. I called todayXX/XX/to see who exactly is trying to find me and they flat out refused to answer any of my questions, unless I confirmed information that they already have. I refused to confirm any information that this company has because I have never opened any type of account or affiliated with this company. For this reason, I refuse to confirm any information they have. I told the representative this information and they refuse to tell me what they were calling about. Which is odd considering they have all the info supposedly. I never have opened an account with this company nor do I know who they are. I do not want them to contact me or my family. They also threatened to call or come to my work place which is weird.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
Sent notarized letters to request for a thorough investigation of my credit report. Requested old addresses and names no longer used to be removed. But they remain. Requested information on how validation was acquired, and received no information regarding the method used to validate the accuracy of the report. Disputed online and sent three letters requesting the information, the last letter dated XX/XX/2023. The information requested was not provided. Accounts were removed from the report and placed back on again. Each agency reports ( Equifax, XXXX, and XXXX ) reporting different information, ( i.e. last payment dates, open accounts showing closed on one report and charged off on another. Late payments of XXXX dates showing on one report and 150 days on another, or profit and loss ). This has caused me hardships and an inability to be able to acquire credit. Unable to receive a printed letter from XXXX and can not access my report online without having to become a member.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
Sent notarized letters to request for a thorough investigation of my credit report. Requested old addresses and names no longer used to be removed. But they remain. Requested information on how validation was acquired, and received no information regarding the method used to validate the accuracy of the report. Disputed online and sent three letters requesting the information, the last letter dated XX/XX/2023. The information requested was not provided. Accounts were removed from the report and placed back on again. Each agency reports ( XXXX, Experian, and XXXX ) reporting different information, ( i.e. last payment dates, open accounts showing closed on one report and charged off on another. Late payments of XXXX dates showing on XXXX report and 150 days on another, or profit and loss ). This has caused me hardships and an inability to be able to acquire credit. Unable to receive a printed letter from XXXX and can not access my report online without having to become a member.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
XXXX XXXX stated a late payment the company ask me to reach out to the credit bureau over this matter. This account is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2023 three ( 3 ) separate charges, each in the amount of {$1300.00} were made in the XXXX XXXX in XXXX, Florida ( Store Number XXXX ). When I noticed these fraudulent charges when I checked my online banking app on XX/XX/2023 I went to my nearest Wells Fargo bank branch. I worked with a banker to report this fraudulent activity to the fraud claim department. The credit card used for these transactions ( ending in XXXX ) was immediately closed. A few days later I received a new credit card in the mail. 

I never received any follow up from Wells Fargo about the status of this investigation. On XX/XX/2023 I called Wells Fargo and they told me that the investigation was closed, and I am held responsible for the charges. Since I had never received any documentation from Wells Fargo in reference to this I requested a copy of the letter and the supporting documentation used in their investigation. 

In a letter from Wells Fargo dated XX/XX/2023 Wells Fargo noted " the transactions is question are pos XXXX, meaning that the physical actual card used the tapped feature at merchant location. Since the XXXX chip was in your possession during the time of the transactions it has been determined that the transactions are valid. '' I requested that Wells Fargo reopen this claim, and at the advice of Wells Fargo, I supplied a police report and documentation from my employer that I was present at work in XXXX, New Jersey on the date of these transactions. Since the transactions were made in XXXX, Florida, it was impossible that I authorized these transactions. Wells Fargo has since receiving this documentation, denied the claim a XXXX time. 

I contacted Wells Fargo today and advised them that I would be filing a report with the CFPB and the New Jersey Division of Consumer Affairs. They advised me that they will reopen the claim once more. I advised them that the police department is looking into the video footage that the XXXX XXXX has of the person who made the purchases, but I have not received any follow up from the police department in regards to the release of this footage. 

I am seeking full reimbursement of the XXXX separate purchases of {$1300.00}, for a total amount of {$4000.00}. I am at a loss as to what I need to do to get this money credited. It is obvious that I did not authorize these purchases, but supplying Wells Fargo with all the supporting documentation I have, they continue to deny the fraud claim.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
I want this inquiry removed from my credit report. I sent FTC to this company and they still have not taken this off my report. Under law I ' am now seeking damages as this matter has caused me stress.

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 2024-01-03 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a letter from Truist bank on XX/XX/XXXX indicating that a possible fraudulent account was opened using some of my information with an ID theft affidavit. I checked my credit report and found that Truist on my credit report with {$24000.00} taken on the account. I completed the affidavit and mailed it back to them via certified mail- USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX. I attempted to call the contact on the letter from Truist Bank, XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX occasions, leaving a voicemail ; but I have not received any call back in XXXX weeks. They will not supply me with any information on the account, including the account number. I filed a police report and submitted this information with Truist Bank. Truist Bank is not communicating with me on this case. I was in the process of purchasing a home and this has prevented us from being able to. It is negativly impacting my credit and Truist Bank allowed this to happen and is not assisting me. I feel Truist Bank is violating the Fair Credit Reporting Act.

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 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: NY

Complaint narrative:
On XX/XX/2023 I forwarded {$2000.00} in XXXX currency through Sendwave to a relative in XXXX. I was told shortly after that they were unable to deliver the money due to an issue with the bank in XXXX. They asked what I would like to do, giving me the option to send the money in smaller increments or gey a refund. I chose to get a refund, so I was told that I needed to fill out a refund form. I initially sent incorrect information but then corrected my error. They said they were unable to process the refund and that I needed to check with my bank. The card I used was compromised and my bank cancelled it and replaced it so I gave Sendwave the new card number. They kept continually asking me to fill out a refund form. I explained that I had numerous times. They then said they could not use the card I submitted and did I have another card which I do not. Then they asked for my banks fedwire routing number which I provided. The latest request that I received from them asked me to fill out a refund form.This has been going on for over three months of emails. They also said they would send the refund by check. Please help me resolve this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-03 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: PA

Complaint narrative:
I have not received a response from the credit furnisher from previous documents submitted

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 2024-01-03 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: PA

Complaint narrative:
I have not received a response from the credit furnisher from previous documents submitted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This company made a remark that I didnt upload documents supporting my issue when I did and they still failed to comply and remove this business credit card from my personal credit.. Ive attached serval documentation along with photos showing theyre website always have error issues for over 10 days or more.. If failed to comply I will take civil action against this company..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account Regional Acceptance CorpXXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit 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 2024-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Healthcare Finance Direct LLC.
State: NY

Complaint narrative:
XX/XX/XXXX - I emailed company letting them know that I contacted their client to cancel my account but was unable to do so because XXXX XXXX  closed their doors to communication due to being Bankrupt. 
HealthFinance Direct responded saying my account has not been created but that I still need to pay their loan. 

XXXX XXXX I recieved an automated email congratulating me for agreeing to a contract and attaching a contract. I reviewed the contract and it had all my information filled out and a false signature with a digital stamp and date that i have never seen before. I emailed moments later notifying to the company that this is the first I'm seeing this contract, that i have never signed it or reviewed it on the date listed in the contract. I told them the contract is forged and very concerning.

HealthFinance Direct responded by re-attaching the contract be excluding the areas that were forged. 
XXXX XXXX I called HealthFinance Direct and spoke to a representative explaining the situation and they said there was nothing the company can do to help me and they are sorry my contract is forged. They advised to call back XX/XX/XXXX before the first payment is due on XX/XX/XXXX to see if the company can resolve my issue. 

XXXX XXXX They responded saying they are unable to cancel my account and that i need to pay regardless and sent me to their client website that is shut down without any way to contact. 

XX/XX/XXXX - I called HealthFinance Direct and spoke to a representative explaining the situation again. I mentioned that I've been unable to cancel my account with HealthFinance Direct and that it seems im being bound my a forged contract under my name. The Operator said they dont know how to help me, that many people are in my situation but that regardless i need to pay or else their systems will automatically send me to collections and i will lose credit score. I asked to speak to someone who can help me, and the operator said no one can help me, the system is automatic and no one in the office can modify the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: VA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I submitted a complaint and the company responded and said that the vehicle was repossessed. However, this is inaccurate because I voluntarily returned the vehicle to a Hyundai dealership. This should not be reflected on my credit report, and I request that the financing company remove this from my record.

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 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
I find it utterly perplexing and frustrating that this how Remitly, chooses to respond to a serious complaint - by choosing to side with the scammers and thieves that pose a significant threat to every single one of your users. It's truly a disgrace! 

How can you, in good conscience, provide such a bland and insincere response to a person who has been conned, and then sheepishly hide behind the vagueness of an 'internal information ' wall? Are you insinuating that providing me with all the information necessary to seek justice for the wrong done to me is breaching some sort of privacy code? Let 's get things straight - a scammer does not and should not hold the privilege of privacy when they blatantly infringe on the rights of innocent, hard-working individuals, thereby insinuating that I am at fault, instead of appropriately dealing with the real culprits at hand. Where is your urgency to track down these online predators and bring them to justice? It appears almost as if your company is more interested in washing its hands off the matter rather than actually dealing with the issue at hand. 

Your suggestion that I should contact my financial provider to avoid 'additional scams ' is not only patronising but insufferably dismissive to the gravity of the situation. You mention it casually as you might suggest one to take an umbrella because there's a light drizzle outside. You seem to completely sideline the fact that I have been robbed! 

Transparency and relentless pursuit for justice should be your mandate as an organisation in this crisis, but here you are, negligently putting up barriers. It's clearly evident whose side you're on, and I'm sorry to inform you - it's not the innocent victims '. 

I was expecting more than just a cold, 'final ' response from a reputable institution like yours. Nevertheless, I thank you for showing me the real value you provide to your customers, and where your true loyalties lie- with the scammers and thieves. 

I only requested data of my own account. And under their privacy and protection agreement which states this : Access Your Data & Data Portability You may request that we provide you a copy of your personal data held by us. This information will be provided without undue delay subject to certain exceptions or limitations, including if such provision adversely affects the rights and freedoms of others.

Company response to consumer: Closed with explanation