vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On or around XX/XX/2023 I received a notification that my Experian credit score had decreased by XXXX points and apon inspection into this concern I noticed personal information that was not granted by myself or a court order was appearing on my consumer report. So I contacted a agent at the Experian consumer reporting agency and advised them that there were unwanted, unauthorized information on my consumer report # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX and to please remove and update. After the agent argued with me over what they could do and not do about my request I then made the agent aware that Experian policy doesn't supercede federal law and there should only be 1 ) Name 1 ) address 1 ) S.S # 1 ) D.O.B A copy of this report will also be sent to the XXXX. And the Attorney General.

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 2023-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX my computer was hacked and I got sucked into a scam that day and also on XX/XX/XXXX. On XX/XX/XXXX the scammer had me wire transfer {$24000.00} to another Wells Fargo customer and then he showed me on line that my checking account was hacked. He had me go to another Wells Fargo branch the following day, XX/XX/XXXX, and wire transfer {$26000.00} from my savings account to a different Wells Fargo customer telling me that both accounts had been hacked " probably by a Wells Fargo employee ''. The scammer told me not to answer any Wells Fargo phone calls and he told me not to speak with family or friends about any of this. On XX/XX/XXXX I broke my silence and my family made me aware that I was in a middle of a scam ; I am XXXX XXXX XXXX and I had no idea I was a victim of fraud. We confirmed the scam with Wells Fargo on XX/XX/XXXX. 

I then immediately filed a report with the city of XXXX Police Department. I filed a report with the FBI. I filed a report with the FTC. XXXX XXXXXXXX XXXX XXXX of the FBI phoned me to ask if my money had been returned ; I told them " no ''. I filed a claim with my home owners insurance and they denied it. Someone kindly reported my situation to the XXXX XXXX XXXX XXXXXXXX XXXX who made one phone contact to me to check on my well-being. 

I was told by Wells Fargo that because I initiated the wire transfers, the money was gone and I would not be reimbursed even though they knew that the money was sent to two of their other customers ' accounts. I escalated my claim to the President/CEO of Wells Fargo and after their investigation they said my claim was denied because the bank said " funds from the wire are not able to be credited to my account. '' The {$50000.00} cleared out my entire checking account and my savings account. It has been devastating.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
RE Applications and Inquiries on : XX/XX/XXXX and XX/XX/XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct Experian ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX, Experian and XXXX To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX XXXX of SS # - 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
LVNV Funding Llc has been emailing me as a XXXX party, demanding that I pay XXXX for a account that was verified as a fraudulent account and removed. The Original Creditor which is as XXXX XXXX, XXXX. was also removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My wife and I opened XXXX checking accounts on XX/XX/XXXX. The accounts were our " house '' account XXXX and " groceries '' account XXXX. When we opened the accounts, we were required to hold an aggregate average daily balance of XXXX or we would be assessed a {$25.00} fee each month. The fee is only assessed once regardless of the number of accounts. We added XXXX more checking accounts " billpay '' XXXX and " savings '' XXXX on XX/XX/XXXX that were also linked so that their balance was included in the aggregate daily balance. We were assessed no fees through XX/XX/XXXX because our aggregate balance was above {$10000.00}. My wife added a fifth checking account " XXXX  '' XXXX in XX/XX/XXXX. However, when the bank added the fifth checking account, the customer service agent changed which accounts were linked. There are XXXX boxes the customer service agent has to check to link and include the accounts in the aggregate balance calculation. The agent setting up my wife 's account did not check them both which caused the billpay, savings, and XXXX account to all have their own individual {$10000.00} requirement ( {$1500.00} in the case of the nana account ). As a result of this customer service error, the bank assessed fines on those XXXX accounts intermittently from XX/XX/XXXX to XX/XX/XXXX ( when we realized the error ) totaling {$1200.00}. I discussed this error with a customer service representative and my understanding is that if the accounts had been correctly linked per the original agreement, we would never have been assessed a fee on these accounts. We should have only been assessed {$120.00} in fees ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) on the house account XXXX account. The bank has refunded {$75.00} in fees.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not consent or recognize any of these inquiries on my credit report. Please have them removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My federally protected rights as a consumer has been violated by the reporting of late payments to the following accounts XXXX  XXXX : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX according to usc1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

I was never informed by mail or phone call about this and thus reporting a late payment on my credit report is unconstitutional and a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not consent or recognize any of these inquiries on my credit report. Please have them removed immediately from my credit report.

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 2023-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I only want my online access un-restricted so that I may apply for a credit card. I do not want a savings account. I repeat : I do not want a savings account. I do not want a savings account. I want my online access available so that I may apply for the My GM Rewards Mastercard. I want my online access available so that I may apply for the My GM Rewards Mastercard to complement my new vehicle purchase. The savings department is blocking my online access. I do not want a savings account. I only want my online access restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, I am verifying that I, XXXX XXXX XXXX, I am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I know for a fact I've never done a variable rate loan. They are claiming that my interest rate is 7.7 % variable and I asked for the master promissory note and they told me that it takes 3 months to get it. 

There are also erroneous fees and accrued interest charges for periods that I have been on in school deferment, covid deferment, and military deferment. I am ready to pay this loan off but I do not trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
The mortgage company involved is Chase and my account number is XXXX. During the pandemic Chase promised to refinance my mortgage which was a deception to force me to sell my property. I resumed payment of my mortgage before the end of the pandemic, two years after I stopped the payment. But Chase stopped my payment after several payments have been made and demanded immediately that I paid {$64000.00} ( XXXX XXXXXXXX ). All appeals and begging were wickedly rejected.Chase told me to sell my property or be ejected. Buyers who are XXXX are all over my property doing inspections. 

I called upon friends and family members for help and incurred {$40000.00}. ( XXXX XXXX ) in credit cards debt to raise the {$64000.00}. I paid the money to save myself from death and humiliation. 

I am a XXXX XXXX XXXX XXXX man with XXXX children in the university and I wonder what Chase would gain in throwing my family out after paying Chase mortgage for XXXX. Chase inflated the mortgage to make it impossible to pay. I complained to no avail. Now while still struggling to pay the mortgage Chase added another {$250.00} ( XXXX XXXX & XXXX ) last month. 

Please I need the agency to stop Chase from destroying me and my family. What does Chase gain from ejecting XXXX XXXX XXXX man from his home. 

Chase should refund my {$64000.00} that was extortion and refinance my mortgage. 

I did not know that CFPB exists when I sent the {$64000.00} to Chase. I was scared by what Chase staffers told me several times thats more of harassment and I quickly used my wifes and family members credit cards to pay. 

Please help and save me from internal disintegration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello, I am in the process of purchasing a new home. The settlement was originally scheduled for Wednesday, XX/XX/2023. On Monday, XX/XX/2023, a fraudster impersonating my settlement company 's closing agent sent me wiring instructions informing me the account number and routing number to wire the purchase proceeds to a fraudulent account. I submitted the wire transfer from XXXX XXXX XXXX on Tuesday, XX/XX/2023 to the fraudulent account held at PNC. We identified same day that the receiving account was fraudulent and notified PNC to block the funds from being deposited into the fraudulent account. They were successfully able to block the deposit even though the funds were transferred. 

XXXX has submitted two requests to return the funds so we can proceed with wiring the funds to the correct account so the closing can occur and the sellers can proceed with closing on their new home. Numerous calls have been made to PNC to request the funds be returned, but PNC has been either duplicitous about the status of the funds or they're just being incompetent. The fraud manager at XXXX contacted her counterpart at PNC and he confirmed seeing the return request in their system. Today PNC reported they never received the recall request even though XXXX had their confirmation codes from the transfer system. The settlement agent had to personally go to the corporate office to speak with someone directly. Only until then did PNC confirm that fraud had occurred on the account and the funds are frozen. They won't provide any indication as to when the funds will be returned so the subsequent closings can take place. The sellers ' possessions are in a moving van and they are staying with parents until this gets resolved. PNC needs to be exposed for their duplicity or incompetence. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a public service employee that worked for the State of California. I was subject to many freezes and furloughs that reduced my pay. Navient would steer me into forbearance and recapitalize my interest creating a life of servitude to my loans. They would do so with he promise of bring my account current, yet they repeatedly reported my account as late. 

This usurious practice and then punishment by credit reporting is an unfair business practice. They can not have it both ways. 

Although I refinanced my loans into Direct loans, my credit reports still show Navient as reporting my accounts as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I used PayPal Goods & Services, which charges a 3 % protection fee, to purchase a ticket from a vendor. This vendor did not send me the product. When I reached out to PayPal, they closed the dispute and did not work with my bank to reimburse me. 

This was a {$1000.00} transfer made on XX/XX/2023. PayPal closed the case saying that the transaction was refunded, however, it was not. 

The 3 % protection fee used in PayPal Goods & Services was designed to protect buyers and sellers from fraud, and PayPal is not honoring the paid service fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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