vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I endorsed the monthly statement and attached coupon for the car which made it an asset-backed security and sent it back to the Westlake financial securitization department via registered mail and it was received over 30 days ago. I have received no response from Westlake at all. This should have been discharged/paid off by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On the XXXX of XX/XX/year> I had a disbursement from XXXX XXXX XXXX limited in the amount of XXXX XXXX Since then I had been trying desperately to access those funds and have the money transferred to my bank. From day one I had been trying and got nowhere it kept giving me errors and wouldn't even allow a standard bank transfer. Several days later they revealed they froze my account with no real reason or explanation as to why this occured and to submit my ID to verify it was my account. I had done so and several days later they emailed me saying my account was permanently deactivated with once again no explanation and refusal to release the money back to me saying they would keep the money for 180 days. I have tried everything and have contacted and contacted there support with no actual answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax closed my prior dispute without addressing and correcting the issue. Equifax continues to illegally report a XXXX authorized user account on my credit file after several disputes. Recently, the dispute was escalated and on XX/XX/XXXX, they choose to continue reporting. Authorized users are not legal owners of accounts and should be removed at the consumers request. Equifax continues to illegally report. I've even contacted XXXX to have them discontinue any reporting. XXXX and XXXX have ceased reporting, while Equifax continues. 

I was also told on the phone that Equifax has an internal policy of leaving these particular XXXX authorized user accounts on file to continue to report. This is illegal and I will sue if Equifax does not remove the account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Aspire credit card is charged me for paying early, the person I spoke with said, if I pay the bill on the first 3 days of the month, it goes to the perverse monthly payment, and they have charged my a late fee for paying early, I feel this is bad business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Here is the letter I sent to them. " 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, TX XXXX To whom this may concern. how are you doing today. I am writing you with clean hands and in good faith. I am reaching out to you on behalf of the principal XXXX XXXX XXXX XXXX. I am accepting all rights and interest equity owed to XXXX XXXX XXXX XXXX. I revoke all previous power of attorneys expressed implied otherwise. The principal applied for Credit and was denied. Regardless of the reason for the denial the principal has the right to credits. With holding the principals access to securities is securities fraud. Capital One is violating the Equal Credit Opportunity Act, TILA, and Consumer Credit Protection Act. Since you are denying the principal access to credit, Ive asked the lending/underwriting team or whoever oversees securities to retract the application. I want to reserve all rights here, if the application cant be retracted then we both know that the loan was granted at the Treasury window, and I would like the credits so that I can purchase the truck for the pursuit to happiness Furthermore, If Im still being denied I would like to retract the application and rescind my signature on all documents and or securities the XXXX XXXX XXXX XXXX XXXX has with CAPITAL ONE. I would like confirmation via mail that this has been done. If this cant be done, I would like to be compensated being that my signature is the reason for the credits that you have accepted on my behalf which is identity theft and fraud, and I would like for XXXX XXXX XXXX XXXX balance to be applied to XXXX XXXX XXXX XXXX account for set off for this transaction. Also, for the credit card that I recently had that was closed I would like for it to be open and the highest limit for that card be added to it. I am writing you in good faith for I am doing the will of XXXXd. I am looking forward to hearing your response in five ( 5 ) business days. Thank you for your service. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: DC

Complaint narrative:
EARLY WARNING SERVICES , LLC ( hereinafter " EWS '' ) XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : EWS SECURITY FREEZE REQUEST To Whom It May Concern, Please accept this letter as my formal EWS Security Freeze request. I am aware of the fact that your company is operating in accordance with the Fair Credit Reporting Act ( FCRA ). Moreover, you have confirmed this fact on your company 's web page https : //www.earlywarning.com/consumer-information by following : To Waning uport consumers an dising and coret in curte Princel Reporting Act ( FCRA ) ''. See. Exhibit A COMES NOW, I am requesting a Security Freeze be placed on my EWS Consumer Disclosure report. I opt out of you disclosing future information until further notice, including all/any reports furnished EWS regarding all personal information of mine. This Security Freeze request not only restricts credit bureaus and creditors, but also future potential employers until ift this restriction. Under the Fair Credit Report Act you're required to comply.

I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : FULL NAME : XXXX XXXX SOCIAL SECURITY NUMBER : XXXX  DATE OF BIRTH : XX/XX/year> : PHONE NUMBER : XXXX After this SECURITY FREEZE has been filed, please send me written confirmation and/or PIN ( if any ) to the address listed above. If you do not have the option to place a Security Freeze on my EWS Consumer Disclosure report, I may file a complaint to the Federal Trade Commission ( " FTC '' ) and/or file a lawsuit against your company. I can request that the Court enter an order or judgment against your company, including : 1. A Class Action under Rules 23 of the Federal Rules of Civil Procedure ( JURY DEMAND ) ; 2. Negligence ; 3. Misconduct ; 4. Actual damages, statutory damages, and such other relief as per statutes ; 6. Award compen XXXX XXXX da many goldly everaldiy in an anount nor exceeding {>= $1,000,000} 7. Pre-judgment and post-judgment interest on monetary relief ; 8. The costs of bringing the suit, including reasonable attorney 's fees ; and 9. All other relief to which Plaintiff ( jointly and/or severally ) may be entitled by law or in equity.

Thank you for your assistance in this matter.

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections
State: WY

Complaint narrative:
Company is not licensed nor bonded in my state, and is attempting to collect a debt, please remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: NY

Complaint narrative:
I called Experian, XXXX and XXXX XXXX in XXXX of XXXX. I requested for all three of these credit bureas to remove multiple negative items, hard inquiries and collections from my credit reports. The information that I requested to be removed from my credit reports are negative items, hard inquiries, collection and debt that I did not authorize nor agree to. I do not recognize said information. This information hasn't been removed yet. Today, ( XXXX, XX/XX/2024 ) I went online to all three credit bureau websites ( Experian, XXXX and XXXX XXXX ) and submitted disputes against all the incorrectly reported information. In accordance to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 AND the ( Consumer Financial Protection Bureau ), this incorrect information has to be removed from my credit report immediately!

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 2024-03-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX {$2100.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$690.00} Opened : XX/XX/XXXX These accounts are involved in litigation. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719. I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

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 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WY

Complaint narrative:
This collection agency is not licensed or bonded in my state, and are trying to collect, please remove this from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My family and I have been Wells Fargo customers since the late XXXX. We have several accounts with Wells Fargo. Our customer service experience over the years has been good at times and not so great at other times. It is our most recent terrible customer service experience that has me trying to get in contact with someone who can help us. 

On XX/XX/2024 I discovered that someone had stolen my daughter 's debit card and had been draining the joint account she and I share. Most of the withdrawals occurred on XX/XX/2024 and were labeled pending when I called Wells Fargo to alert them to the fraud and close her card. We went back over previous days and found that {$9800.00} had been stolen from our account. Over {$6500.00} had been stolen on XX/XX/2024, which was over the daily limit for the debit card, so I don't know why the bank even allowed those to go through. Since the thief was using an XXXX XXXX to get XXXX XXXX, the Wells Fargo Claim Advisor told us to call XXXX. XXXX was no help at all. We were also advised to file a police report, which we did that same day. Wells Fargo Claims told us we would be contacted for more information if needed. They never followed up to ask for the police report. I reached out to them after I received their denial letter and asked if they would open the claim up and accept the police report. They provided an email for me to send the police report to, and I've not heard anything further. 

The police said the process of getting XXXX to share information is a long one, but they have submitted subpoenas in our case. The detective thinks her card information was stolen at a gas station the night before all the fraudulent charges began. 

I was discouraged by the claims advisors on the phone, stating that it was unlikely that we would get our money back. My husband went in and spoke to a banker in a Wells Fargo branch and they assured us that we were protected against fraud. However, our claim was denied. Anyone can look at the account 's history and see that the activity was abnormal. I submitted the police report on the claim, hoping they will revisit the issue, but I'm not hopeful with the negative attitude I get from all the people I speak with in the claims center at Wells Fargo.

This issue will be resolved to our satisfaction when 100 % of our {$9800.00} has been refunded to our account.

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 2024-03-24 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: TX

Complaint narrative:
Ive been contact experian, XXXX and XXXX about these XXXX accounts for over XXXX months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and all I get is computer responses.

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 2024-03-24 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: VA

Complaint narrative:
All these Accounts are reporting fraudulently please remove them.

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 2024-03-24 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:
All these Accounts are reporting fraudulently please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am a full class member of the Sweet v Cardona Settlement and my application for discharge has been approved by US Department of Education for my Federal Loans. This is my 3rd complaint in regards to Navient. 

The scam school that I attended was XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and the Predatory Lender is Navient. A total of 4 Federal loans were taken out and 3 private loans ( 2 Tuition Answer and 1 Career Training ) were taken out. In XX/XX/XXXX the Federal loans were consolidated and switched to XXXX due to the problems with Navients payment processing issues and the private loans stayed with Navient. 

Office of Illinois Attorney General as of XX/XX/XXXX had received no response from Navient directly to them in regards to my last complaint filed with them. They sent Navient a reminder which were giving them an additional 10 days to respond. 

On XX/XX/XXXX I received a response from Navient in regard to my Federal Stafford Loan Payments because there were several payment reversals on my account history for federal loans. Navient removed several federal loan payments and applied them to a private loan. I did not ask Navient to switch this and asked for proof. In this same letter XX/XX/XXXX from the Navient XXXX indicates that the payments were reapplied to my private loan ending XXXX. I do not have, and I have never had a private loan ending in XXXX. 
XXXX financial aid officer pushed me to take out additional living expense money and gave me a pink sheet for a direct-to-consumer loan called Tuition Answer Loan through Sallie Mae . The minimum amount to borrow was {$1500.00}. The pink sheet said this loan is outside of your financial aid which exceeded the cost of attendance and used to cover your XXXX college living expenses. XXXX pushed for students to only use Sallie Mae. 
XXXX XXXX Bankruptcy was filed and discharged on XX/XX/XXXX. The private loans were direct to consumer loans and should have been discharged in bankruptcy, but Navient has continued to demand payments with abusive debt collection practices. Navient claims to date over {$18000.00} is owed in private loans and I will default XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: GA

Complaint narrative:
XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX XXXX failed to investigate my goodwill request to remove delinquent and late payments they reported to the three major credit bureaus. XXXX XXXX XXXX is reporting a total of 19 late payments dating from years XXXX, XXXX, and XXXX. Some of these late payments were during a covered period due to XXXX. According to 15 U.S Code 1681i- Procedure in case of disputed accuracy, these late payments should not be reported. The company was made aware of my medical condition and unemployment status due to XXXX. The company is violating my rights as a consumer and denying my request for these late payments to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: GA

Complaint narrative:
XXXX XXXX XXXX formally known as XXXX XXXXXXXX XXXX XXXX XXXX failed to investigate my goodwill request to remove delinquent and late payments they reported to the three major credit bureaus. XXXX XXXX XXXX is reporting a total of 19 late payments dating from years XXXX, XXXX, and XXXX. Some of these late payments were during a covered period due to XXXX. According to 15 U.S Code 1681i- Procedure in case of disputed accuracy, these late payments should not be reported. The company was made aware of my medical condition and unemployment status due to XXXX. The company is violating my rights as a consumer and denying my request for these late payments to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: GA

Complaint narrative:
XXXX XXXX XXXX formally known as XXXX XXXX XXXXXXXX XXXX XXXX failed to investigate my goodwill request to remove delinquent and late payments they reported to the three major credit bureaus. XXXX XXXX XXXX is reporting a total of XXXX late payments dating from years XXXX, XXXX, and XXXX. Some of these late payments were during a covered period due to XXXX. According to 15 U.S Code 1681i- Procedure in case of disputed accuracy, these late payments should not be reported. The company was made aware of my medical condition and unemployment status due to XXXX. The company is violating my rights as a consumer and denying my request for these late payments to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
One main financial charged extra over the years for services I didnt need. Interest rates too high

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-24 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: CITIBANK, N.A.
State: ID

Complaint narrative:
Received an an email regarding renewal. I asked for cancellation of account but was charged renewal fee of {$140.00}. Received email explaining account was closed, however my credit was still billed. I have other accounts with Citi and have always paid on time. I am requesting a credit to be issued to my account.

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