vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
XXXX - XXXX XXXX XXXX XXXX - operating from XXXX XXXX XXXX promised to deliver backlinks from 5 different websites in XXXX, 2023. Payment of {$1300.00} was made to : Account holder : XXXX XXXX XXXX XXXX ACH and Wire routing number : XXXX Account number : XXXX Account type : Checking Which is a Wise.com US registered bank. 

The XXXX trace number is : XXXX Only 1 of 5 links ordered ( valued at {$110.00} ) was delivered. All of the other links/services promised were never delivered. They replied several times via Email and XXXX promising to deliver services but never actually did. Original turn around time was to be 3 weeks, it has now been 5 months and they've stopped responding to any inquires from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-18 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
There is an account listed on my credit report as " syncb/PPC '' that shows it was opened in XX/XX/XXXX and closed XX/XX/XXXX. it says that it was charged off and that the company holding the debt can be reached at the phone number : ( XXXX ) XXXX I have contacted synrchony Bank directly as well as the phone number listed on my credit report. Neither have any record of my information or this debt owed. I have given them all of my information, spoken to more than 10 representatives over the course of 2 weeks. I have received no help, and no one has been able to verify this information, what this account is, or tell me why its on my credit report.

This is a violation of my rights under 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 explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I applied for a credit card from a local credit union. They ran a credit report but I had a credit freeze due to previous ID theft and Fraud related to the ID theft. They told me I had to contact the credit bureau to correct my information. I ran my report and saw that when I recently moved, I forgot to update my phone number. I sent a letter with tracking to the credit bureau requesting they update my phone number. Never received a response. Instead my personal statement got deleted and my credit rating dropped precipitously ( about XXXX points ) between XXXX and XXXX yet nothing else had changed about my credit card payment or anything else. I believe it was related to this inquiry in some shape or form.

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 2023-12-18 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: Nelnet, Inc.
State: CA

Complaint narrative:
I submitted my IDR plan renewal to Nelnet via studentaid.gov in late XXXX as usual. The application has been " in process '' by Nelnet since. They have sent emails regularly informing me that it is in process and my loans are in forbearance until then. I also received emails telling me the application would not be processed until XX/XX/2025! 

I've struggled to get in touch with Nelnet. Hold times range from 2-5 hours even calling first the in the morning. The one time I got through, back in XXXX, the agent did not know any answers to even basic questions ( ie : information about different repayment plans ). I asked if this forbearance would negatively affect my track record of repayments and renewals ( as you need to be consistent to qualify for forgiveness after several years of repayment ) and I was told it would not. I wasn't confident in the agent 's response given that they didn't know answers to any other questions about the plans and hadn't even heard of others ( such as the SAVE program ) and so I asked if I could have this sent to me in writing. I was told that they would. However, to this day, I have not received any such correspondence. 

I am not able to wait on hold for over 2 hours hoping to get through to someone who may or may not be able to help me- it is entirely unrealistic short of calling out of work for that day to do so and losing the desperately needed wages to pay back these loans. They do not have any callback feature to mitigate this. 

Additionally, now I need to update my IDR repayment plan application due to a change in income and will submit a new app via studentaid.gov -- - however, with the prior application still in process with Nelnet I am concerned with how this will disrupt things. 

I have no confidence in this company managing my student loans ( over $ XXXX ). I am hearing from others who are having significant issues with their payments being mismanaged or double-drawn -- - and again being left with nearly no way to get in touch with Nelnet for reconciliation. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: NY

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: MO

Complaint narrative:
I applied for a credit card. I got a letter from XXXXXXXX XXXX stating the information you provided says Im deceased. Im not

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 2023-12-18 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been a credit card holder of Discover bank since XXXX, in XXXX I received personal loan offer letter ( the page is attached ) of XXXX USD for 48 months at a fixed monthly payment of XXXX USD. 
In my XXXX statement I realized that the loan amount has been added to my balance as " balance transfer '' thus increasing my interest rate and APR which is in contrast to personal loan agreement. ( page attached ) I have contacted Discover several times but no explanation or correction has been applied. 
I am frustrated because that loan should have been finished by XX/XX/XXXX however I am still paying monthly payment for the balance that must have been completed last year. I consider this a deliberate scam or mistake as major negligence if not fraud or consumer abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute information on my credit report, as furnished by your agency. I believe the reported information contains inaccuracies that are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 and 1681 ( a ) ( 1 ).

1. **Details of the Disputed Information : ** - ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX IS NOT DELIVERABLE TO ME AND IS NOT REPORTABLE BECAUSE IT IS INNACURATE - Nature of inaccuracies : There are apparent inaccuracies in the attached portions of my credit report across all three major credit bureausXXXX XXXXXXXX XXXX and Experian. 

2. **Basis for Dispute : ** - The inaccuracies are in violation of 15 U.S.C. 1681s-2, as the furnished information is not accurate and complete.

- I request an investigation under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to correct the inaccuracies promptly.

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 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
This is my second complaint to my mortgage company from my first complaint in XX/XX/XXXX regarding the same issue. My mortgage company Newrez LLC continues to pay my property taxes under the incorrect tax parcel number and incorrect amounts after repeatedly informing them that my current parcel number is being divided, and therefore, the amounts being reflected is incorrect. I asked that they should pay my taxes only after I submitted corrected tax bills from my county office which then they can pay it or adjust any differences back to my escrow account. My mortgage company did not do that and continues to pay my taxes in the incorrect amount. Even after I submitted the corrected tax bills ( which is called a pay by legal bill with an ABL number instead of a parcel number ) to them, they also pay my corrected tax bill WITHOUT adjusting any difference of the first bill they had paid back to me or refunding me a full amount of the first bill. Because of this, they continue to use the incorrect tax amount to calculate my monthly payment and escrow analysis, causing my escrow account to have a very high negative balance and expecting me to pay it. I was told many times by them that an adjustment would be made when I submitted the corrected tax bills but that never happened. Right now, I can barely afford to pay my mortgage payment if it continues like that. 

My county office ran a report of the amounts under my undivided parcel number in the amounts that Newrez had paid, and also the amounts from my XXXX XXXX  XXXX ( XXXX ) bill which is the actual amounts that I am responsible for paying. I have attached the report to this complaint. This is for both tax year XXXX & XXXX, specifically XXXX XXXX installment ( XXXX ), XXXX XXXX installment ( XXXX ) and most recently XXXX XXXX installment ( XXXX ). I have not received a full refund on any of these and my mortgage company continues to make me do a full monthly payment including the wrong tax amounts they had paid for me in order for me to clear my negative escrow balance. 

I am in need of any assistance and resolution as this continues. If my mortgage company can not fix any issue on their end or accommodate my payments I will plan to sell my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: AFNI INC.
State: PA

Complaint narrative:
Delete all errors on my files and reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is not updating my credit report. Since XXXX the only time they have updated anything is when I have disputed it. I paid off all of my credit cards in XXXX, Equifax still has me using 40 % of my available credit, and the ones they have updated they only did so because i disputed the balance. This is negatively effecting my ability to obtain credit. On the credit reprot it even shows the last payments they updated as being in XXXX, except for the ones I disputed. All of the companies in question have assured me they have notified Equifax of my status every month along with the other XXXX agencies ( XXXX and XXXX ) and that it is Equifax choosing not to update me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
In XXXX XXXX XXXX Venmo froze my account. After providing requested documents to verify my identity I was informed that my account would be permanently frozen and the funds in the account would be held for up to 180 days for loss prevention and I would get an email should these funds become available. On XX/XX/ I got the email saying I would be able to transfer my funds ( {$250.00} ) out of Venmo using their standard bank transfer option. There was no bank account linked to my Venmo account so I needed to add a bank before I could transfer the funds. I am not able to successfully link my bank account due to the status of my account according to Venmo. I have called Venmo 20-30 times since I got the email on XX/XX/XXXX saying my funds were able to be transferred. I was asked to send pictures of my ID again and a recent bank statement for the bank account that I was trying to add. Which I did immediately. However just like every other phone call with Venmo concludes I am just told they will have to escalate my issue to an account specialist and they will get back to me by email in 7-10 business days. So far the emails I get in response to this issue are unrelated and do not resolve the problem. In fact some of them are identical to the email I got in XXXX explaining that my account is frozen and my funds will be held for up to 180 days. So Im really just going through the same process over and over getting nowhere. I have even asked to just close my account and they can mail me a check but I am told that due to the status of my account that is not an option. I have been transferred to a supervisor at Venmo only 2 times but they just repeat the same info and tell me to wait 7-10 business days for an email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following hard credit inquiries we're pulled without my permission. 

Trans Union - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
The following hard credit inquiries we're pulled without my permission. 

XXXX XXXX - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
We were vacationing in XXXX on XX/XX/XXXX. While purchasing gas at a gas station we attempted to use our Chase credit card to pay. The gas attendant used a wireless credit card reader to charge our card. She stated it " did not go through '' and called over another attendant with a second card reader who attempted to charge our card. They stated neither charge went through. We had to pay {$60.00} USD cash for the gas. 
We researched the gas station online ( via XXXX maps ) and found this fraud scam is very common at this particular gas station. 
Later that day when we arrived back in the XXXX, we checked our Chase account and saw two charges, one for {$59.00} for gas and one for {$1500.00} at a " sportsbar ''. We immediately contacted Chase to disputed the charges and report our card as compromised. Chase stated they would investigate the charges as fraud. 
The charges were removed from our account. On XX/XX/XXXX I received a message from Chase to return a call about an inquiry on our account. I was told they could not confirm the charge of {$1500.00} was fraud because we used our card before and after the charge. I was also told that because the charge was a " chip '' purchase and that I willingly gave my card to the gas attendant, that we are now responsible for the charge. 
Chase declined to remove the {$1500.00} charge. 
Chase did not flag the charge as suspicion even though it was a large purchase, out of country, and well outside of our normal purchase habits. They have also not offered any solution other than having to pay the bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NY

Complaint narrative:
I am writing this letter regarding the alleged debt associated with the above-mentioned account. I am formally requesting that you provide me with the necessary documentation to verify the validity and accuracy of this debt, as well as to establish your legal right to collect on it. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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