vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I requested to see how this debt was validated on XXXX through Transunion for the debts listed below. On XX/XX/ the disputes were once again updated as verified with no information provided as to how it was validated... 

XXXX XXXX- Account Number XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX - $ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX - $ XXXX XXXXXXXX XXXX XXXX XXXX- Account Number XXXX - {$270.00} - 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 2023-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: NV

Complaint narrative:
This it is a debt on a charge off from a auto loan that is been paid already and still show up on my credit report I need to be delete from my credit report the creditor name it is Westlake financial svc XXXX and also XXXX XXXX it is been paid off and still on my credit report as a charge off paid and I need to be remove from my credit report 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 explanation
Consumer complaint received 2023-10-04 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: NC

Complaint narrative:
On Friday, XX/XX/2023, I made a payment totaling over {$100000.00} on my Neltnet federal student loans. I allocated the payment to pay off four of my thirteen federal student loans. The funds have been taken out of my savings account, but have not been applied to my loans. Because the funds have not been applied to the loans that I paid on, the loans are accruing interest. I now owe more money on the loans despite paying off the entire loan amount. As of XX/XX/, the funds still haven't been applied to the loans and they are still accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
hello Wells Fargo is charging a NFS fee for an over payment. The company allowed the payment to go through and I asked not to do that, if not finds are in the account please decline the charge. Plus the company said if a direct deposit is coming into the account no overdraft fees will go on to the 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
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I applied for the SAVE repayment plan through the FSA website on XX/XX/XXXX. I was told by the FSA that I qualified for a reduced payment. Nelnet confirmed they received the application on XX/XX/XXXX. Since then, I have received no updates despite Nelnet promising to send email updates every 10 days. As of today, XX/XX/XXXX, my application has not been processed and I now have a payment due date under the standard repayment plan. 

Attempts to reach Nelnet via phone have been unsuccessful. Nelnet is directing people away from email and to their phone lines. 

Advice from other people online indicates I need to upload proof of income to Nelnet separately despite linking to my XXXX  federal tax return in my application on the FSA website. However, Nelnet 's website is not allowing document uploads ( the function is broken ), so I can not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of identity theft back in XXXX where an auto loan was taken out in my name fraudulently. After speaking with XXXX advising that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. In return it caused me to file bankruptcy because that is the only choice i thought i had. The bankruptcy and XXXX account along with another other items associated with the bankruptcy needs to removed because I did not authorize to have my information reported as well as the items in the bankruptcy are not mines and it has caused me a great deal of hardship as I can not get approved for anything. XXXX has already removed the bankrupt from my credit report and i am needing you all to remove it as well.

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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/ I received an email from Wells Fargo welcoming me ( with my maiden name which hadn't been used in 7 years ) to online banking. I then received multiple emails telling me how to make payments, how to fund the account, that the account had dropped to zero. When I called customer service- one they did not believe me that I did not make an account. But then I had to fight to prove to them I never made the account. On XX/XX/ I received an email reading " URGENT : ADD MONEY TO YOUR NEW ACCOUNT '' After receiving an email about them closing the account. On XXXX I was sent an email about 'discovering the online banking world : On XXXX  I received another email about getting a one time offer, and on XXXX  I got a solicitation email. I never got a final email stating they had closed the account ( only that it was " Expected to close ''. I have since had to put a freeze on my credit because of Wells Fargo poor practices. I have a right to know if someone was in person and created the account, online, I have a right to know what " MY '' signature looked like. I have a right to understand how exactly they got MY information. Its also odd that they had MY email, a correct email, and used that to set up the account. Knowing I would get the information. I believe Wells may have bought information to make accounts to show deposit growth. 

XXXX XXXX XXXX XXXX The information they had included My CHILDHOOD HOME ADDRESS ( Hadn't lived there in over 7 years ) Maiden Name My personal email address

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 2023-10-04 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
A charge was put on this credit card on XX/XX/XXXX. I cancelled the charge on XX/XX/XXXX in writing certified mail. I called Barclays on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to complain about this charge, they told me I had to go through the company who charged the card and work with them. I did that. The company who charged it stopped responding in XX/XX/XXXX and never refunded my money. I contacted an attorney, the XXXX  and CFPB about the charge and nobody could help me. They said the company didn't respond, so there was no was to get the money back. 
I send a dispute in writing with all of the information to Barclays two times, CFPB and the XXXX, and the Federal Trade Commission. I called Barclays to get help with this multiple times. Still, no help. 
I had a payment plan set up the whole time with Barclays for XXXX  XXXX, they changed it to XXXX  XXXX with no notice. The card was supposed to be XXXX interest for XXXX XXXX, they started charging interest with no notice. 
Barclays has refused to help me with this charge, and has added insult to injury with a charge that was cancelled. 
Today, I cancelled all payments and put a stop payment on them at my bank and cancelled the card. I have never used this card for anything, the only balance is the original charge that should have been refunded within 30 days. The balance is {$10000.00}. 
There should be no balance on this card. There should be no interest accruing on this card. The payments should have been exactly {$120.00}, no more.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of identity theft back in XXXX where an auto loan was taken out in my name fraudulently. After speaking with XXXXXXXX XXXX that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. In return it caused me to file bankruptcy because that is the only choice i thought i had. The bankruptcy and XXXX account along with another other items associated with the bankruptcy needs to removed because I did not authorize to have my information reported as well as the items in the bankruptcy are not mines and it has caused me a great deal of hardship as I can not get approved for anything. XXXX has already removed the bankrupt from my credit report and i am needing you all to remove it as well.

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 2023-10-04 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: MN

Complaint narrative:
On XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-04 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: MI

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 NumberXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number: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 2023-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was refused service based on the way I pronounce my name over the phone. 
XXXX refused service on XX/XX/2023 at XXXX XXXX XXXX XXXX XXXX a supervisor - confirmed refusal of service at XXXX on XX/XX/2023. 
I clearly stated the way I pronounce my name - multiple times. 
Both stated that I have to pronounce it " differently ''. 
Both are Americans. I am a foreigner, born in another country, and forcing me to pronounce my name the way they see fit I consider a discrimination by national origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MOHELA
State: NY

Complaint narrative:
Whenever SOFI/Moehla takes the payment directly from my bank account they apply to a different loan and then start calling, emailing and harassing me for my payment saying it is late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My issue is NOT with an item listed in my credit report. My issue is with Equifax itself who is reporting that my credit history average is 1 year 7 months. It is the only negative item on their report. I am XXXX XXXX XXXX and have had credit cards and car loans for 30 years. I called Customer Service who said there was nothing they could do. I asked to speak to a supervisor and was put on hold for an hour. After finally getting someone I explained my situation, she said " Thank You '' and hung up. The credit score from this company is XXXX points lower than the other two major companies and fluctuates dramatically ( XXXX ) points from one week to the next. This could potentially affect my ability to purchase a home or get a good rate on a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
i was contacted by an agent asking about person who doesn't live with me or at my address, when i asked who was calling they refused to give any information. only to have person who doesn't live at my address or use my phone, call back number on caller id. i researched number found out it was Corner Stone Credit services. i called them back and explained to them that said person doesnt live at my address, doesn't use my phone, and told them to put my number XXXX on a DO NOT CALL LIST. that is when the lady got rude and said my number was put down as contact number. i said no my number is listed as an emergency contact not debt contact. and do not use it as such. that is when she got mad and said i am placing you on hold. that is why i am filing complaint as this is not good debt collections from these blood suckers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My son rented an apartment at XXXX XXXXXXXX in XXXX XXXX TX. He paid all of the rent but there were damages that he disputed of {$300.00}. Procollect open a collection on XX/XX/XXXX. It was paid on XX/XX/XXXX. My son received the notification about the damages and possibly about the collection BUT I as the cosigner Never received notification until after this was showing up on my credit report. I paid the amount due as soon as I was aware of it. I have asked for proof that I was notified and it has not been provided. I have asked that this be removed from my credit report because I was not notified but Procollect has refused to remove this collection. I have called them multiple times. I have disputed this with the credit agencies but nothing has been resolved. 

The reporting company is... 
Procollect Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
To whom it may concern, This was a charge from years ago and could be even past the point of collection time. 
However, I had an XXXX XXXX Account through Comenity Bank now owned by Bread Financial to the best of my knowledge. 
I used it for a few years and always paid on time. 
Then there was a charge on my account for over XXXX dollars and was shocked. 
I had used the card for services but the amount I was told was literally half of that. 
I immediately called the Credit Card company and told them the charge amount and so they credited me the amount of the over charge. 
I than paid the amount the was actually agreed to. 
After their investigation, they decided to put the double charge or overcharge back on. 
I even connected with XXXX XXXX and they offered me a credit in that amount. 
I did not make that charge or was over billed and no idea how that amount was able to transact. 
I know for a fact that I did not sign for that amount. 
My actual maximum balance I could charge was XXXX that alone was over that amount, how could that charge even go through? 
I even paid the amount that I actually agreed to pay that resulted in a XXXX balance. 
I then asked that they close down the account as it still had my maiden name on it as well and could not get them to remove or correct it. 
I was upset and confused to then receive a bill back for the amount disputed. 
I wrote to them, I called, I did everything I could do as a consumer to get this taken care of. 
Meanwhile, they continued to charge fees and late charges and then finally closed it down. 
Then on top of that and knowing there was an issue sent it to XXXX XXXX XXXX. 
Ive asked them to send me my disputes that I have sent through to the company. 
All they sent me was a bunch of Terms and Conditions. 
They tell me via phone that this is all they need to send to me. 
The charge now they want me to pay is XXXX in charges for a charge that was double the amount agreed to. 
It has been several years now, and hoping for some guidance on what I can do to resolve this issue if possible. 
Im hoping maybe if the CFPB looks into this than maybe one of them will be more apt to assist me in resolving this.

But because Ive never received anything from the original creditor except statements, Im not sure how I could have even report this to the authorities. 
I need the evidence of the signatures and how this was able to be charged. 
Especially a charge over my credit limit and a card not in my legal name. 
Any help on this would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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:
Based upon a previous relationship the request was made to delete the XXXX account on my credit report off due to it being unauthorized. This account should be removed asap.

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