vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This account shows I am an authorized user and have a XXXX balance. It is negatively affecting my credit score. I do not know who's account it is. I suspect it is my father but we have been astranged for years. I do not have any bank of america credit cards or bank accounts and they are unable to locate the account. I do not have the full account number or card and I have no idea who is making the minimum payments. I would like to be removed as an authorized user.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: IL

Complaint narrative:
I've recently checked my credit report and noticed incorrect/unauthorized information reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MA

Complaint narrative:
I am close to XXXX payments for XXXX forgiveness ( Public service job since XX/XX/XXXX ). When loans were maybe going to restart last summer I recertified my IDR plan ( XX/XX/XXXX ). I was placed on the XXXX plan. The letter I received stated my payments would be {$670.00} for XXXX  months. When loan payments were restarting I received multiple confusing letters from Mohela regarding my loans. XX/XX/XXXX I received a letter stating my loans were placed on administrative forbearance ( no explanation why, but I assumed this was to address the many loan payment issues I heard of in the news ). XX/XX/XXXX and XXXX I received letters regarding autodebit confirmation of {$670.00}. XX/XX/XXXX I received a letter stating my loans were moved to the XXXX plan and lower payments. XXXX letter said my payment would now be {$21.00}. Another letter said my loans were placed on the XXXX plan and itemized the payments for each loan totaling over {$5000.00} a month. In a letter dated XX/XX/XXXX, but received XX/XX/XXXX I was notified my account was again on administrative forbearance. Again no explanation. XX/XX/XXXX I received XXXX letters dated XX/XX/XXXX with an autodebit notice of {$5200.00}. XX/XX/XXXX ( letters dated XXXX ) I was notified of administrative forbearance in XXXX letters. I was again notified of administrative forbearance XX/XX/XXXX. I assumed this was all to correct Mohela 's obvious errors. XX/XX/XXXX I received a letter that I would be auto-debited {$5200.00} XX/XX/XXXX. I immediately reapplied for XXXX to try and have the payment adjusted more appropriately. I was charged {$5200.00} XX/XX/XXXX. Since then I have exchanged multiple ( unhelpful ) messages with Mohela and spent over XXXX hours on the phone with them spread over 3 days. I guess this is the call diversion issue I have read about. I was told the only available solution is to have the $ XXXX refunded and XXXX would not count towards XXXX. XXXX also doesn't count according to Mohela because I was on an involuntary administrative forbearance. I have also tried to communicate with Mohela regarding a few loans that had payments not count toward XXXX ( but other loan payments that month count for the other loans ) and they have been wholly incompetent at trying to address my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OK

Complaint narrative:
I ordered a Chime card in XXXX of XXXX which came in the mail a week or so later with a ore- printed form for Direct Deposit into my Chime Account. I gave this information to my employer in XX/XX/XXXX but never received my {$500.00} which was to be available on XX/XX/XXXX. I contacted Chime by phone on XX/XX/XXXX to find out the status of my Direct Deposit. They informed me that the pre-printed form I was mailed had the wrong Routing Number printed on it. Chime then gave me a New Routing Number with the same account number that was listed on the form they provided me with my Chime Card. I corrected the information with my Employer and received my next weeks pay via Direct Deposit on XX/XX/XXXX on my Chime Card. Chime told me the Direct Deposit for my previous weeks pay of {$500.00} would be kicked back to my Employer but until this happened, Chime could not deposit the previous weeks pay. I contacted my Employer and informed them of the information Chime gave me on or about XX/XX/XXXX. To date my previous weeks pay was never kicked back to my Employer. I contacted Chime to let them know the money was never returned to my Employers Account. They were insisting that the money would be returned and they would do nothing until then. I never received my {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this 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 non-monetary relief
Consumer complaint received 2024-03-15 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: TN

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.

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 explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
old gym membership don't understand why its {$140.00} collection I believe it was something like {$30.00} a month I don't think they would have ever let me go that far without payment and its been over 30 days since debt validation letter has been sent out no contact of info of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: NY

Complaint narrative:
I received a copy of my most recent credit report and there are inquires from several companies I did not initiate, request and/or conduct any business with these companies. XXXX XXXX XXXX dated XX/XX/20XXXX 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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Southwest Chase credit card The offer was for a loan using checks to transfer & XXXX to where you needed it. YOu paid a {$5.00} transfer fee for the loan which was {$750.00}. It expires In XXXX of XXXX This was around the end of XXXX. The very first statement I received after the offer was accepted the bank XXXX out all the money I had in my checking and saving accounts.I had a giant - {$10000.00} plus on my checking account. Complete and total XXXX XXXX. 
There was absolutely no information about not having an automatic payment set up on the promotion as I went back and checked.

I immediately went to Chase bank and they told me that this was not from Chase this was a promotion from Southwest and I had to call them. I called them and after going from one agent to another they said they would straighten this out.

Fast forward after more calls I was informed that the {$5.00} fee was put on my credit card which I had to pay immediately at the credit card due date. I have- {$15000.00} on my credit card. My credit rating has dropped XXXX points. I was also told that if I wanted to pay it off early I would not get any credit back of the initial {$5.00}. I have cancelled all automatic payments from my charge card and I am not going to use it till the statement is paid in full. 

As an XXXX XXXX XXXX never having done this before I nearly had XXXX XXXX. As an XXXX  person I feel that institutions should make advertising easier for us to understand. 
My personal feeling is that when a banks name is on a charge card or an account they should be responsible for everything that transpires. 

Since then I have received this offer I have also received more offers from other airline/charge card/ bank companies worded the very same way. No warning about automatic payment set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I made a purchase of {$10.00} in XX/XX/XXXX. I made the payment on XXXX XXXX from the XXXX account but XXXX said it was made from my closed XXXX account when I inquired about the returned payment and late report to the credit bureaus in XX/XX/XXXX. I made the outstanding balance payment right away, but my issue was that the only reason I found out about the returned payment is that I subscribe to XXXX XXXX XXXX XXXX. I never received correspondence from XXXX about an issue with payment ; I only ever received confirmation that a payment was made. 

When I spoke with XXXX on XXXX XX/XX/XXXX, she informed me that their credit department reached a decision to not remove the late payment from my report. I found this to be interesting. I mailed XXXX XXXX department 3 times since XX/XX/XXXX and now they're deciding that they'll respond to me unfavorably in XX/XX/XXXX? This ruckus is over {$10.00} payment that was confirmed to be received, only to not be notified that there was actually an issue with payment after the fact? XXXX also said that I should have kept checking my account despite receiving official conformation from XXXX that the payment was received. I had not used the card since XX/XX/XXXX for me to keep checking an account that in their own correspondence showed that my account balance was {$0.00}. 

XXXX rather lose a customer of 7 years over {$10.00} than actually admit that their customer service is reprehensible, Every other financial institution I've ever worked with at least sends an email, or calls to let me know if there was a problem. I've also received letters from other financial institutions, even though mail is notable for getting lost or not being delivered in a timely fashion. I sent their credit department THREE letters since XX/XX/XXXX and I am just being notified about their decision in XX/XX/XXXX? Moreover, I provided proof in the form of payment confirmation screenshots and they still insist on negatively impacting my credit report for years. XXXX does not care about their clients. Their behavior is the height of contempt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited a payroll check to my account on XXXX XXXX, The funds were available to me and I received an email saying your check is accepted. I used my money to pay bills. suddenly on XXXX XXXX my check was taken back and my account went in to negative. 

on calling the bank, they said that the cheque got returned because they couldn't verify. and the funds will get back to my employers account. its been a week that neither does my employer received the funds neither does my account has it. on calling various different departments every time I am asked to wait for few more days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld added the debt to XXXX and XXXX in XX/XX/XXXX, I reached out to Transworld XXXX on XX/XX/XXXX @ XXXX spoke with Customer Service Rep XXXX  XXXX, requested the original bill and or final bill and proof that they have permission to collect on this debt. I told the Rep that this debt to XXXX was paid and the equipment was returned. I waited the allotted 30 days to receive this information, in which nothing has been received to date. I filed a dispute with both XXXX and XXXX of the debt to be removed, however both agencies responded with the debt has been verified and would remain on my report until XX/XX/XXXX, which is incorrect. The should be removed and no early termination fee should have been assessed for {$1900.00}. Please have this debt removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My father XXXX XXXX XXXXXXXX XXXX was sold Wells Fargo home mortgage insurance on his residence. This was double checked by me ( his son ) and a third person to avoid chaos in the event of my fathers passing. In fact, I requested my father to double check to make absolutely sure the mortgage was insured to avoid losing his house. Wells Fargo sent a multi page document describing the insurance and how much he was paying extra to retain the insurance. I personally reviewed this document and never saw an accidental-only clause. 
My father passed away on XX/XX/XXXX from XXXX related issues. 
So I sent in the mortgage claim form and the form was rejected due to his type death was not covered. To this day I can not find the multiple page Wells Fargo home mortgage insurance document in any of paperwork left by my father. The lady helping my father with his computer work could not find these documents either, but swore the mortgage was insured if he passed away. 
At the time of my fathers passing there was about {$280000.00} outstanding balance on the insured home mortgage. After finding the mortgage was not insured I had to desperately sell my fathers assets to keep from defaulting on the home loan. This caused an enormous amount of collateral damage to the family. 
Now recently I received a letter from Wells Fargo regarding unauthorized enrollment, but nothing about misleading consumers about the coverage of the mortgage insurance. In this recent letter, Wells Fargo makes it obvious that the coverage is for accidental death. This was not the case for the letter received years ago from the Wells Fargo XXXX XXXX branch I reviewed personally. 
I contacted Wells Fargo about the letter and was transfer XXXX times and then disconnected. The letter is dated XX/XX/XXXX with a reference number of XXXX. 
Do other people have claims of Wells Fargo misleading customers into believing they have mortgage insurance when they do not? 
Any help will be greatly appreciated, 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 explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
RBFCU processes my paycheck a day early and advertise as processing direct deposit paycheck up to XXXX days early. I am a single mom who just graduated and moved to a different city and have been relying on short term loans to buy groceries and pay bills until I can get ahead. These short term loans are deducted from my account on the day I get paid based on past direct deposits from my employer, which has happened every Thursday. This payday my paycheck went through on Friday as opposed to Thursday. When the short term loan payments went through some were included with a curtesy fee program, accruing charges of {$24.00}. The next few transactions were declined and also assessed {$24.00} insufficient funds fees. In total I was charged XXXX fees totaling {$160.00}. I spoke with RBFCU and they said that my direct deposit wasnt sent to them until Friday. I asked what time it was sent and they couldnt give me a specific time. They refused to reverse any fees, despite no previous overdraft fees or insufficient funds fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: CA

Complaint narrative:
This account shows I am an authorized user and have a XXXX balance. It is negatively affecting my credit score. I do not know who's account it is. I suspect it is my father but we have been astranged for years. I do not have any XXXX XXXX XXXXXXXX XXXX XXXX or bank accounts and they are unable to locate the account. I do not have the full account number or card and I have no idea who is making the minimum payments. I would like to be removed as an authorized user.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: Experian Information Solutions Inc.
State: TX

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 the attached documents and letter for the 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 explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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