vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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:
in XXXX of 2022, we asked for payment options since we were affected by XXXX XXXX and we needed to skip a payment or XXXX on our mortgage. The representative we spoke to said we can do a forbearance for 3 months and that it would be tacked at the end of our loan. All we had to do was call back in XXXX months and start the payments again. When we called back, they told us that we had to pay the entire XXXX months up front to make the account up to date. This made XXXX sense because we wouldn't have gone into forbearance in the first place if we knew this information. We tried multiple times to get the proper paperwork in to fix this, but we kept getting it pushed back to missing information. We spoke with another Loss Mitigation XXXX and she said we can split the owed amount into a payment plan throughout the year. We said great! What she failed to tell us is that we would be reported as " late '' on our credit report EVERY XXXX  MONTH until it was paid off. So we still made our mortgage payment with the extra amount from the forbearance and it was considered " Late ''? This didn't make sense and completely unfair if we are still making our mortgage payments ON TIME. I asked for my recordings from the time of the XXXX forbearance to hear what the first representative had told us and they responded that they legally do not have to provide those. Myself and many others are speaking to a lawyer who have had the same issues with this lender. My husband and I had a credit score in the high XXXX and now it is in XXXX due to this misleading information from this company. I can not provide any recordings as proof since everything was done over the phone.

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 2024-04-07 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: CA

Complaint narrative:
My federal student load provider MOHELA has not allowed me to make a payment for over XXXX months. For the first couple of months, any payments I made ( auto debit and manual payments ) were not processed and returned. MOHELA placed me on administrative forbearance and forgave the interest that occurred between XXXX through XXXX. In XXXX, payments on my account restarted but the same problem persisted. My auto debit payments were initially processed and then returned and the same with my manual payments. I contacted my bank and they informed me it does not appear that MOHELA tried to debit the monthly payment. As a result, my account is now past due XXXX months with interest accumulating and I can not make a payment. 

On XX/XX/2024, I received another letter from MOHELA stating that another forbearance had been placed on my account, however, my account still shows as active and is now XXXX months past due. 

I have no idea what I should and can do as MOHELA is not processing any payments that I make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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:
I been sending letters and the past ndpressent to get things deleted from my report im just asking simple may yall please just remove the items and help me fix my credit report i can go back n fourth with the usc codes and getting all the account numbers which take a lot of time for me because i cant get in contactwith some of theae companys they simplely got a computer screen with all my info they see what accounts im talking about its a list right infront so i just wan na make it easy any account that report old late payments before the last XXXX  days can u change it to current aint like the company will know anycharge off accounts take off my report and remove all inquires as u can see 80 % come off this year anyway im just a regular person like yall trying to better myself and i would love your help very much in bettering my future

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: NY

Complaint narrative:
I been sending letters and the past ndpressent to get things deleted from my report im just asking simple may yall please just remove the items and help me fix my credit report i can go back n fourth with the usc codes and getting all the account numbers which take a lot of time for me because i cant get in contactwith some of theae companys they simplely got a computer screen with all my info they see what accounts im talking about its a list right infront so i just wan na make it easy any account that report old late payments before the last XXXX days can u change it to current aint like the company will know anycharge off accounts take off my report and remove all inquires as u can see 80 % come off this year anyway im just a regular person like yall trying to better myself and i would love your help very much in bettering my future

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 2024-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The only non-fraud document that Wells Fargo has is a copy of the purchase contract of a different company. Wells Fargo Never had any " REQUIRED FINANCING AGREEMENT '' that is the law as required by the " FINANCE Code ". Anyone checking anything to do with : ALL of MY COMPLAINTS '' will get a fraudulently made up account number, made up by Wells Fargo 's Corporate 's employees. I have an email from one of the employees, that claims he has other original documents. The taking of property and selling it " without any FINANCING AGREEMENT '' and fraudulently making up accounts and adding " Legal Fees to come up with charges, and never paying for any damages, the government regulators are not representing me, they would be inforcing the " LAW ''

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 2024-04-07 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: MD

Complaint narrative:
XXXX an auto finance company financed a vehicle in my name without my authority or knowledge in XXXX of XXXX. Though I have repeatedly indicated to the XXXX XXXX that this was a case of identity theft. They have continued to report to the credit agencies a charge off of XXXX. The entire amount of the loan. In XXXX of XXXX my name was added to the title weeks before the XXXX XXXX charged off this loan. I have gathered copies of the contract and other documents and they show that the signatures are computer generated, all exactly identical. There are some areas where a signature belonged but is not present. This puts act to have been between the dealership which sold the vehicle XXXX of XXXX and the XXXXXXXX XXXX. I want immediate removal of this blight from my credit report and for XXXX to clearly follows the laws and due process I have as a victim of identity theft How it started Date fraud began : XX/XX/XXXX {$27000.00} I have no connection to XXXX AND NEVER bought a car through them the signatures were computer generated the vehilcle was the vehicle i leased through XXXX XXXX and turned in and XXXX months later i get a bill for first month payment ..i contacted them immediately told them it was a mistake identity thedft or some ething but it was not me XXXX months later they charged the vehicle off in my name and its still there nearly XXXX years later

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I have enclose proof of inaccurate accounts on my consumer report. 
See Attachment Below See Attachment Below See Attachment Below See Attachment Below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This complaint is an addendum to complaint number XXXX due to limited capacity to upload documents. Additional pertinent information was added to this complaint. The debtor signed a promissory note for a new car loan, without a clear understanding of the implications associated with the promissory note. The NFCU agent did not clearly translate in a language that the debtor could understand the promissory note, disclosures, and the Security Agreement section. Specifically, NFCUs role as Attorney-in-Fact, security interests or NFCU receiving proceeds, that the signed promissory note would be securitized and converted into a negotiable instrument. She was bullied into thinking that she was supposed to tender payment with a debt note. ( 12 CFR 1006.18 ). The debtor verbally communicated to make special payment arrangements with NFCU when she was experiencing hardship with a family member. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. She attempted to communicate with NFCU when her car was repossessed in XX/XX/XXXX via telephone and correspondence. Her attempts to communicate with NFCU were in good faith. What she experienced was long waits on the telephone or abruptly disconnected while on the phone, no responses from her correspondence with the exception of receiving a Notice of Repossession ( XX/XX/XXXX ) and a Notice that the vehicle was sold ( XX/XX/XXXX ). A side note. Two credit card accounts were closed during this distressful and emotional time in her life. The debtor sent a negotiable instrument on XX/XX/XXXX, with no reply. Sent a Notice Opportunity to Cure on XX/XX/XXXX, and Notice of Default in XX/XX/XXXX, a Certificate of Non-Response on XX/XX/XXXX. The debtors account was never credited nor were the negotiable instrument ( s ) returned. NFCU violated the Federal Reserve Act by displaying a pattern of misconduct, engaging in an unsafe or unsound practice in conducting the affairs of a credit union and breaching fiduciary duties. NFCU is a non-profit organization that took my security, transferred to its parent company. NFCU breached its fiduciary duty. NFCU is a non-profit organization that does not have to pay taxes or report transfers or funds to an LLC. NFCU violated the debtors privacy by reporting her personal information to a third party without written permission from her. ( Privacy Act of 1974 ). As a result of this violation, she has suffered derogatory credit scores. Lastly, NFCU took advantage of the debtors lack of knowledge of the mechanics of money and the debtor seeks compensation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. who's studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/24 I reached out to a local vendor about buying some designer shoes. After agreeing to buy the shoes i was instructed to send the money. After the initial money was sent the vendor started to ask for insurances fees and more money. The vendor kept saying I will get refund some of the money after the deal was completed. They refused to bring the order unless I paid the other fees. I finally agreed to pay then the vendor blocked me on all platforms. XX/XX/24 The next morning I immediately contacted Wells Fargo to report what happened. XX/XX/24 Wells Fargo has denied my claim. The claim is for {$4100.00}.

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 2024-04-07 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: NY

Complaint narrative:
My student loans of approx {$78000.00} were transferred from XXXX to XXXX in 2021. Instead of recognize the account was closed in 2021 at XXXX, Experian has been reporting that I have a {$78000.00} balance at both services, totaling over {$150000.00} in student loan debt. This has hampered my ability to apply for credit cards, applications which have been denied, dispute otherwise good credit.

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 2024-04-07 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: MD

Complaint narrative:
hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. who's studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-04-07 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have debit and credit cards through Wells Fargo Bank. I checked my credit card account on Thursday, XX/XX/year>. I always pay my credit card on time and have never gone above my credit limit. When I checked my account, I noticed I was several XXXX dollars over the credit limit, which alarmed me. I checked the recent charges and noticed an unauthorized charge dated XX/XX/year>, for {$2400.00} from a hotel called XXXX XXXX in XXXX XXXX, California. Having been only in the XXXX for several months, I knew this charge was fraudulent. I immediately called Wells Fargo and eventually reached their fraud department. The agent examined my account and agreed that the charge was fraudulent. Additionally, they said whoever executed the XXXX XXXX transaction also attempted to use my card XXXX or XXXX other times. The agent I spoke to said they would close my account, open a new account, and issue me a new credit card. They advised me the card would be delivered to my home address in XXXX to XXXX days. On Saturday, XX/XX/XXXX, I was notified that the new card had shipped. 

My online account shows my previous account has been closed and that I have a new account with a new account number. However, the fraudulent charge is still on my new account, which concerns me. {$2400.00} is more than I make in XXXX calendar month, and it would be a significant financial burden for me to have to pay that amount. I have done a bit of reading about the applicable laws, and know that I am not liable for this charge. At most, I'm liable for {$100.00} of the charge, and I suspect that I am really liable for {$0.00} under Wells Fargo policy. I might be a impatient here, but Wells Fargo agreed the charge was fraud, closed my previous account, and opened a new one. I feel they should have immediately removed the fraudulent charge on my account too. The attached photos show my new account with the {$2400.00} charge still on the account, with the account still over my credit limit. 

Additionally, I am concerned that whoever executed this fraud attempted to use my card XXXX or XXXX additional times. I am responsible for not noticing this fraud earlier, as I did not have alerts on to notify me of strange activity on my card. However, my account statements show no record of someone attempting to use my card in another location. If Wells Fargo knew this, I would have liked them to tell me. I would have been notified of this fraud much earlier if they had.

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 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX i had a tax return direct deposit XXXX from there until XX/XX/XXXX all my funds were spent.i told them someone stole my card and activated it and spent all of my money they didnt do a good job investigating it because my dispute was declined.I informed them that i was incarcerated from XX/XX/XXXX until XX/XX/XXXX so there was no way that I could have done it.may i please have help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
MED DATA SYS I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
The summary of the situation is as follows : There is a debt listed on my credit report with a company XXXX XXXX XXXX attributed to a phone bill with XXXX, amounting to {$1900.00} opened XX/XX/2023. However, assertively this debt is not mine and I never opened an account with XXXX therefore this account should not be associated with my credit report profile. This discrepancy raised concerns so I filed a dispute for potential identity theft or billing errors, prompting the need for further investigation and resolution. It is imperative to take proactive steps to dispute and rectify the erroneous information on my credit report to safeguard your financial reputation and integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> there was an unknown unauthorized inquiry on my credit report for a chase bank account. I contacted the creditor JPMCB XXXX address XXXX XXXX XXXX, XXXX, DE XXXX, on XXXX XXXX and notified them that there was an unknown unauthorized inquiry on my credit report for a chase bank account and I wanted the hard inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: EQUIFAX, INC.
State: DC

Complaint narrative:
hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. who's studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Validated payment recieved weeks ago but not yet posted to bank account?

Company response to consumer: Closed with explanation