vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2023 I contacted WFB Fraud Department reporting XXXX ( XXXX ) fraudulent charges on my credit card ending in XXXX in the amounts of {$430.00} and {$240.00} from XXXX on XX/XX/XXXX. 
WFB initiated claim # XXXX and cancelled my credit card ending in XXXX WFB subsequently issued credits to my credit card my in the amounts of {$430.00} and {$240.00}. 

XX/XX/2023 WFB reversed the credits to my credit card in the amounts of {$430.00} and {$240.00} I contacted WFB Fraud Department and the representative offered to contact XXXX while I was on the line, indicating that he would have to drop off once an XXXX representative was on the line, and instructed me to call back with XXXX response. 
The WFB representative successfully connected with an XXXX representative and subsequently dropped off the call. 
Upon researching my account, I was informed by the XXXX representative that the charges in the amount of {$430.00} and {$240.00} were not made on my account and followed up with an email ( Attachment A ) stating as such. 

XX/XX/2023 I received a letter from WFB Claims and Recovery dated XX/XX/XXXX stating that they completed their research and found the disputed charges on my credit card was valid ( Attachment B ) I contacted WFB Fraud Department and spoke with a representative that informed me that I could mail a response to the following address : Attn : XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX I mailed a letter to the above address requesting reconsideration, and included a copy of the email from XXXX ( Attachment C ) XX/XX/2023 I received a letter from WFB Claims and XXXX dated XX/XX/2023 stating that they completed their research and found the disputed charges on my credit card was valid ( Attachment D ) XX/XX/2023 I mailed a letter to the above address requesting reconsideration, and included a copy of the email from XXXX ( Attachment D ) XX/XX/2023 WFB charged my credit card in the amount of {$98.00} on the disputed balance of {$670.00}.

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 monetary relief
Consumer complaint received 2023-12-29 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: FL

Complaint narrative:
These ccounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to Transunion Credit Bureau but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you. Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX XXXX and 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 2023-12-29 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: FL

Complaint narrative:
Ive submitted this complaint several times CFPB, EXPERIAN XXXX XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & EXPERIAN & XXXX with FTC Fraudulent report support my position. It seems EXPERIAN XXXX are violating FCRA section 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these accounts blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the following accounts removed/blocked per 605b with the attached documents again. Thank you XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX  Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023.

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 2023-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: VA

Complaint narrative:
Square deactivated my account the same day I recieved a deposit for XXXX. They are refusing to release the funds or send it back to the originating bank. They keep saying go to the app and refund it. Which I can't because they held all funds as if it was never deposited but I have proof from their app and the originating account bank statement. I was told wait 90 days and they lied I still don't have my money please see attached they said XX/XX/XXXX. I'm going to sue for interest what they are doing is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I used StudentAid.gov to calculate an IDR plan and have the application sent to my servicer, Aidvantage. Aidvantage sent me a message that the application had been received and that I would hear from them when it had been processed. The simulator calculated a XXXX XXXXXXXX repayment plan based on my income. 

XXXX months later I received a notification from Aidvantage that I would need to start paying back my loans ( over XXXX XXXX ) starting next month. 

I attempted to call them but the automated message informed me that wait times of more than XXXX  days was to be expected and that hold times were so long that they would be impractical. There is no other way to contact the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: MA

Complaint narrative:
My information was sold and bought illegally because i was a victim of the Equifax Data Breach.I want these items Deleted from my credit reports effectively immediately.I am attaching proof that Equifax has admitted that i was a victim of this Data Breach and Equifax has done nothing.Please help me Delete these illegal accounts from my Credit Reports. 
XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  ACCT # XXXX I ALSO WANT ALL HARD INQUIRIES DELETED FROM ALL XXXX CREDIT REPORTS BUREAU 'S MADE FROM YEAR XXXX TO XX/XX/XXXX IMMEDIATELLY DELETED.15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
Tranunion and XXXX has repeatedly violated my federal protected consumer rights by publishing negative information on 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 explanation
Consumer complaint received 2023-12-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX and XXXX has repeatedly violated my federal protected consumer rights by publishing negative information on 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 explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I have struggled to get ahold of XXXX for over 30 days.. Sat on hold for XXXX hours over XXXX different days, sent multiple private messages and had no response. I was in the wrong repayment plan and now my payment is in an XXXX and its way more than I can afford. I am less than XXXX payments left on XXXX and cant get things straightened around. This is ridiculous.. I now owe over {$60000.00} on loans that were XXXX of that to borrow. Customer service is terrible, you cant talk to a human being to get help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: ID

Complaint narrative:
On XX/XX/XXXX, I had the balance of my student loans forgiven through the XXXX XXXX XXXX XXXX XXXX. My federal loans were serviced through Mohela. 

I found out a few days after that I had actually overpaid, and I would be issued a refund in the amount of {$1900.00}. At the time, I was told to allow the refund XXXX business days to make it to me. 

As of now, XX/XX/XXXX, I have not received the refund. It is over 90 days at this point and I have called Mohela at least 6 times, getting a different and unhelpful answer each time I call. I am getting so frustrated as I know this money is rightfully mine and Mohela just continues to brush me off. Anything you can do to help would be so appreciated. 

Sincerely, XXXX XXXX

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have accounts and inquiries Account XXXX. XXXX XXXX XXXX Inquiries Inquiries XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
I have been a Chime customer for several years. I just recently put in a dispute with XXXX. Chime denied me twice dispite me offering proof. My husband signed up for the sevice and we used my chime account. 

I had a conversation with Chime where I told them several times not to call. I got angry and told them to stop calling. Not to long after that they wrote me and said they were closing my account. I don't feel that they should close my account simply for asking them not to call simply because I have children. I wrote early in the morning and they were asking me to speak to them. 

I have absolutely no idea why they are trying to close my account. My dispute with XXXX is valid and I even have the receipt that they are refunding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I am urging the bureau to commence an investigation into these accounts, as I am never late but they are reported as such.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Request for Correction of Credit Report Information Removal of " Dead Name '' Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue regarding my credit report that requires your assistance. I recently became aware that my credit report contains outdated and inaccurate information associated with my former legal name, commonly referred to as my " dead name. '' I have legally changed my name, and the court has officially recognized me as [ XXXX XXXX XXXX ]. The issue arises from the fact that my " dead name '' continues to be linked to my credit report, causing potential complications and concerns for my financial well-being.

Furthermore, my personal information has been compromised due to the XXXX security breach, which exposed my details to the dark web and hackers. I am deeply concerned about the potential misuse of my outdated information, and I believe it is crucial to rectify this situation promptly. 

I kindly request the following actions : Removal of Dead Name : I request that you promptly remove any references to my former legal name from my credit report. Please update the information to reflect only my current legal name. 

Verification of Identity : To ensure the accuracy of this correction, I am willing to provide any necessary documentation to verify my identity and the legal name change.

Investigation of Security Breach Impact : I would appreciate it if the Consumer Financial Protection Bureau could investigate the impact of the XXXX security breach on my personal information and take appropriate measures to safeguard my financial data.

I have attached a copy of the court order confirming my legal name change for your reference. Additionally, I authorize the Consumer Financial Protection Bureau to access any relevant information needed to address this matter.

I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this issue. Please inform me of the steps being taken to rectify this situation and provide updates on the progress of the investigation.

Thank you for your time and assistance in resolving this matter. I look forward to a prompt resolution of this issue.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Request for Correction of Credit Report Information Removal of " Dead Name '' Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue regarding my credit report that requires your assistance. I recently became aware that my credit report contains outdated and inaccurate information associated with my former legal name, commonly referred to as my " dead name. '' I have legally changed my name, and the court has officially recognized me as [ XXXX XXXX XXXX ]. The issue arises from the fact that my " dead name '' continues to be linked to my credit report, causing potential complications and concerns for my financial well-being. 

Furthermore, my personal information has been compromised due to the Equifax security breach, which exposed my details to the dark web and hackers. I am deeply concerned about the potential misuse of my outdated information, and I believe it is crucial to rectify this situation promptly. 

I kindly request the following actions : Removal of Dead Name : I request that you promptly remove any references to my former legal name from my credit report. Please update the information to reflect only my current legal name. 

Verification of Identity : To ensure the accuracy of this correction, I am willing to provide any necessary documentation to verify my identity and the legal name change.

Investigation of Security Breach Impact : I would appreciate it if the Consumer Financial Protection Bureau could investigate the impact of the Equifax security breach on my personal information and take appropriate measures to safeguard my financial data.

I have attached a copy of the court order confirming my legal name change for your reference. Additionally, I authorize the Consumer Financial Protection Bureau to access any relevant information needed to address this matter.

I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this issue. Please inform me of the steps being taken to rectify this situation and provide updates on the progress of the investigation.

Thank you for your time and assistance in resolving this matter. I look forward to a prompt resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
Ally financial services has been attempting to collect a debt in the amount of XXXX for aprx XXXX years now. I have requested validation of the debt and have requested to speak with a supervisor on multiple occasions both verbally and in writing. After charging off the debt Ally financial is still attempting to collect the debt while stating there is a XXXX dollar balance. This vehicle was traded into an automotive dealer and is not subject to a disposition fee because Ally Financial never completed services rendered to collect on the alleged debt. They are also attempting to collect a higher amount than the contractual amount stated.

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 2023-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
The nonprofit I manage, XXXX XXXX XXXX XXXX XXXX, provided {$100.00} Vanilla Gift prepaid Visa cards to our management team as a thank you.

One of our managers reported that the card was declined after XXXX {$20.00} use. The remaining balance of {$80.00} was missing. Vanilla Gift 's hotline continuously refers customers to their website and has a deliberate maze of automated touchtone options that create a circuitous menu with no human agent assistance readily available. After holding for nearly XXXX hour I attempted to find the information I was seeking and recover the missing funds via Vanilla Gift 's website. Their website would not provide access based on the requested information I provided from the back of the card I purchased. After following instructions on their phone system and website I am unable to : -communicate with a human being -resolve the missing fund balance -verify transactions on the card -access their website to check my balance -access their phone system to check my balance -verify the balance of the card This is a deliberate obstruction by Vanilla Gift to avoid accountability and transparency . The customer service solutions they provide are deliberately frustrating, ineffective, and difficult to navigate to Vanilla Gift can establish barriers between customers and their funds held on Vanilla Gift cards. This complaint is about VG card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: PA

Complaint narrative:
I am writing to bring attention to a matter that has been unresolved since my initial contact via mail and subsequent complaints filed with the Consumer Financial Protection Bureau ( CFPB ). Unfortunately, despite the passage of several months, I have not received the anticipated resolution from your department concerning the misleading and inaccurate entries on my credit report. 

***See letter about the details of the disputed information. ***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: Advantage Credit, Inc.
State: AR

Complaint narrative:
reporting false info that was not given consent my credit is being ruined by them reporting incorrect info about my loans and agreements I have not been in default of these statements made the sum balance is wrong and the fraud is strong with the XXXX  reporting systems for some reasons take the reports off the creditors

Company response to consumer: Closed with explanation