vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Called up Experian to correct my first and last name which have changed when I got XXXX. They were unable to provide a process by which I am able to submit documents online to correct the name on my report. XXXX was able to update my personal information after getting a scan of my passport ( for id proof ) and updated ssn card. Experian requires me to send sensitive documents over mail which I am unwilling to do. 

I did not provide experian any documents for them to open a file/account for me. They should have a mechanism to get updated information from the lenders who already have my updated information. 

I intend to start opening complaints on this issue with the cfpb more frequently until this issue is resolved.

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 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Due to XXXX XXXX XXXX strike, all work in the entertainment industry has been halted. I have been laid off & I can NOT afford the high monthly payment and exorbitant new XXXX of % XXXX that I'm now being charged. Amex will not allow me to apply for financial hardship program so that I can make monthly payments that are affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I purchased XXXX concert tickets and was scammed out of my money and tickets. I purchased XXXX tickets for {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604a 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 for any given 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 non-monetary relief
Consumer complaint received 2023-12-07 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604a 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 for any given purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604a 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 for any given 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 2023-12-07 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: Opportunity Financial, LLC
State: NC

Complaint narrative:
It was about XXXX months ago I was having issues with my bank account so I contacted the company and informed them of the situation and asked them to stop auto draft. They stopped the one for that month but then withdrawal it the next month. So I called again to see what happened and informed them that I stopped the auto draft and needed the money back into my account They then informed me that they didn't stop it because it wasn't wrote up in the system and there wasn't anything they could do. Then asked had it been stopped they said yes, so I called back the next day and found out they still didn't stop it, it took me XXXX more days before they did stop and thats because I had to make them send me a letter to my email

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my ile or digital federally protected consumer rights to avele privacy and confidentiality under the 15 USC 1681. FORTIVA CREDIT CARD ( XXXX ) has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I have not supplied any proof under the doctorine of estoppel by silence, Engelhardt vs Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt nor therefore in fact not such debt exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

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 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased a jacket via phone on XX/XX/2023 in XXXX, XXXX. The item was picked up on XX/XX/2023 when we travelled to that country. I reported a defect with the item in the direct on XX/XX/2023 but was told that the return policy is 14 days and hence I can't return the time and the store refused to fix it for me. I disputed the charged and the credit card, AMEX refuses to honor their obligation to protect my interest by confirming that the return policy is 14 days. However, 14 days should begin from the date I picked the item up and not when the store charged me for it. I am requesting a reimbursement of the cost of the jacket which is {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to address a serious issue that has arisen subsequent to the formal transfer of ownership of XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX to XXXX XXXX XXXX in XX/XX/2023. As per our agreement, XXXX XXXX assumed exclusive ownership and full accountability for all associated business responsibilities, including debts and financial matters. 

Regrettably, despite this transfer of ownership, I have encountered substantial complications. XXXX XXXX has continued to incur business-related credit obligations in my name, disregarding the terms of our agreement. Efforts to secure legal indemnification through my legal counsel have been met with complete non-responsiveness from XXXX XXXX. 

The situation has escalated to the extent that I am now receiving bank statements and demands for payment related to accounts and credit cards that are no longer under my ownership or responsibility. Moreover, XXXX XXXX has utilized my name for personal expenses, unrelated to the business, including meals and travel charges. To exacerbate matters, he has closed the account without settling the outstanding debt, leaving creditors pursuing me, as I was the primary account holder before the business transfer. 

Despite continuous attempts to communicate since XX/XX/2023, XXXX XXXX has failed to respond to any outreach from myself or my legal representative. This lack of cooperation and communication impedes my ability to rectify these financial discrepancies and fulfill the agreed-upon terms of separation from all business affairs associated with XXXX XXXX and XXXX XXXX XXXX. 

I am urgently seeking resolution and legal separation from XXXX XXXX, as mutually agreed upon in our transfer agreement dated XX/XX/2023. My primary objective is to disentangle myself from any ongoing business affairs and associated debts. I implore your immediate attention and assistance in facilitating a swift and equitable resolution to this distressing situation. 

Please consider this matter with the utmost urgency and provide guidance on the appropriate course of action to achieve the desired legal separation and resolution of outstanding financial liabilities.

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 2023-12-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023, I made an online purchase of a drone from XXXX, totaling {$980.00}, using my Wells Fargo credit card. Although the initial delivery expectation was a week later, XXXX expedited the order, scheduling it for delivery on XX/XX/2023. Eagerly anticipating its arrival, I remained at home throughout the day. However, upon checking my XXXX account, I was surprised to find a notification claiming the drone had been delivered. 
Despite thorough search efforts, the package was nowhere to be found at my front door. Upon contacting XXXX, they advised waiting for a potential delayed delivery or filing a police report if the package failed to arrive. Consequently, on the same day, XX/XX/2023, I lodged a police report due to non-receipt of the package. 
XXXX assured an investigation upon escalating the matter to their back office. Nevertheless, the subsequent day, I received an email declining a refund or replacement, asserting the delivery had taken place, supported by a purported picture. Expressing my frustration and emphasizing the non-receipt of the package, I initiated a dispute with my credit card company. All correspondences with XXXX and the police report were promptly submitted to support my claim. 
Unfortunately, despite providing comprehensive evidence, the credit card dispute was regrettably denied by Wells Fargo. I included detailed evidence encompassing my exchanges with XXXX and the police report number. This situation is particularly disappointing considering my consistent successful purchases with XXXX, except for this instance on XX/XX/XXXX. 
Moreover, on XX/XX/XXXX, I made another purchase from XXXX, wherein the courier contacted me and obtained a signature before releasing the package. Attached is a copy of my online purchase history with XXXX for your reference. My concern solely pertains to the undelivered order on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Student loan — Private student loan
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 have been having trouble with the 13 % high interest rate on this loan. I have paid mostly interest on this loan for more than a decade upwards of {$28000.00}. Its a {$20000.00} loan. I still owe {$12000.00} according to them. Earlier this year I had discovered that the new payment plan I had established with them earlier only put about 15 % of the payment toward the principal and the rest toward the interest. I felt that I was being cheated and called them up to negotiate another plan that will help me pay down the principal, with emphasis on lowering interest. The would only keep stating to me " the interest rate is set by the lender ''. I decided to not pay anymore at all. 
Yesterday, XX/XX/XXXX I received a letter in the mail stating that they were about to start reporting to the credit agencies about my delinquency. It read in the second paragraph " If you're having trouble making the Navient private student loan payment, you may be eligible for a repayment program, such as interest rate adjustments or loan modifications. '' Today, XX/XX/XXXX i called them and stated what the letter said and I was refused help. She said it was an automated letter and that I don't qualify for help. I was told I don't qualify for any programs to lower my payment or interest or apply more to my principal than to the interest payment. She even said there was a program where I could pay just an interest payment and buy myself another month to figure it out! Just interest! I stated that makes me believe that Navient is really into only making a profit. Do I really have to keep paying interest on this loan just to keep my credit score up? 
I think that this loan, originally processed through Sallie Mae, is predatory. I can't even work because of health problems and they say I make too much through my husband. My diploma isn't worth anything because of the school I graduated from. I can not get this loan refinanced because I don't make ENOUGH income. Am I really going to be help prisoner by the interest on this loan? Do I really have to keep throwing my husband 's hard earned money away to interest payments? I graduated in XXXX been paying since XXXX. Are there any programs I qualify for because I've been paying so long? Are they being ignored by Navient servicers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
my husband fell ill with XXXX  and we were in a current XXXX XXXX bankruptcy at the time and he ended up with several health problems which resulted in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we fell behind on our bankruptcy payments but the entire time we were in bankruptcy their lawyers were filing for sherriff sales every 2 to 3 months which just kept racking up fees even our lawyer contacted them asking why after 2 years of consistent payments were they still filing continued sherriff sales and their lawyers got my motion for stay lifted and I have my current sherriff sale for XXXX I tried contacting the company for any kind of retention options and they refused to work with me they said they will only offer cash for keys and we have paid their lawyers close to XXXX just in fees and they have put much more on us and all we're asking for is some type of loan modification or something so we can save our home that we have lived at since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I paid my balance on XX/XX/2023 = {$14000.00} Bank of America informed me at this time my account would be zeroed out Then Bank of America took an additional {$14000.00} out of my account in XX/XX/2023 I have made multiple phone calls with an average hold time of 50 minutes I received an email on XX/XX/2023 that I was to get the refund never got it more phone calls When someone finally came on the phone then discussed refund with supervisor said it would be an additional 10 days I said that if I owed you the money you would charge me a lot of interest XXXX hung up I called back again waited 42 minutes when I asked to speak to a supervisor I was Immediately disconnected AGAIN

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 2023-12-07 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: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
I kept getting denied for credit do to past due accounts, delinquency. I have never had this so I checked my credit reports and XXXX is showing me as to having a synchrony Mastercard through PayPal as of XXXX 2023. Synchrony wrote it off as of XX/XX/2023 do to no payment made. I spoke with PayPal and they assured me I had never had this card. I had a dispute with XXXX that came to the conclusion I was correct and had accurate statements. However this is still on ym credit report. How do I make them take it off??

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 2023-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I sent NAVY FEDERAL XXXX XXXX, XXXX a Security Registered mail for payment in the full amount of ( {$50000.00} ) NAVY FEDERAL XXXX XXXX, XXXX received the registered mail on XX/XX/2023 at XXXX XXXX. I instructed NAVY FEDERAL XXXX XXXX, XXXX to communicate only in writing. I have done 4 follow up calls since then to check on the status of the payment, after waiting 5 business days to make sure the registered mail was received the first person I spoke with was XXXX on XX/XX/2023 who confirmed that the registered mail was received & it was going through processing, I should get a update in 5 business days. Once the 5 business days past without receiving any response in writing from NAVY FEDERAL XXXX XXXX, XXXX I have done a second follow up call & spoke with XXXX on XX/XX/2023 he then confirmed that the payment was still going through processing, I also reminded XXXX to make sure all updates should be sent to me in writing. I checked my mailbox, email & etc but still haven't received any update on this matter. I called NAVY FEDERAL XXXX XXXX , XXXX & asked why haven't I received an update yet & they hung up on me mid sentence. Its been 12 business days and counting since NAVY FEDERAL XXXX XXXX, XXXX has been holding on to my securities without honoring or giving any updates in writing for their reason of non performance of fiduciary duty. I gave them full instructions in a letter in the registered mail notarized specifically if they do not honor my security to please send it back, I also reminded them of UCC 3-603 & UCC 3-604 & other codes, NAVY FEDERAL XXXX XXXX , XXXX is performing securities fraud by holding on to my securities & refusing to send it back to the lawful owner. 
Thank you Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: CA

Complaint narrative:
XXXX in the amount of {$9200.00}, XXXX XXXX in the amount {$1900.00} and XXXX in the amount of {$280.00} are the result of identity theft, and They are not belonging to me.

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 2023-12-07 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: Guild Holdings Company
State: NY

Complaint narrative:
I did not authorize GUILD MORTGAGE COMPANY to run my credit.

Company response to consumer: Closed with explanation