vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been an employee of XXXX XXXX XXXX XXXX for nine years now. I have had my Dillard 's American Express card since XXXX. In XXXX of XXXX I was having issues with my card. It was not lost nor stolen, just worn. I contacted Wells Fargo Customer Service to request that they send me another card. They sent me another card via XXXX XXXX XXXX. I have been using my card continuously since then. I attempted to use my card on XX/XX/XXXX to receive the double discount Dillard 's allows their associates four times a year ( employee discounts are linked to their cards which they must use in order to receive any discount ). My purchase was declined twice and I could not understand this since my balance is XXXX and I have a {$2500.00} credit line. I immediately contacted Customer Service and spoke with a very rude representative by the name of XXXX and was told that I called on XX/XX/XXXX to report my card as lost or stolen, which I did not do. She also insisted that I had to wait over a week for my new card and there is nothing she nor I could do about it and that if I want to contact my attorney that it was my chose to do so. I allowed her to know that double discount is only through Thursday XX/XX/XXXX and this was not my fault but she continued to speak to me as if I had did something wrong. I then requested that since calls are recorded for quality and training purposes that I would like to hear the call I made on XX/XX/XXXX to report my card as lost of stolen. She then placed me on hold and came back to advise that upon further investigation she found that my card was shut off on XX/XX/XXXX by Wells Fargo because the new card that they issued to me in XX/XX/XXXX should not have been sent to me overnight, and that it should have been investigated prior to issuing a new one. First of all, I never reported my card as lost or stolen in XX/XX/XXXX, I called to request a new card because the one I had was worn. Secondly, I never requested at that time that they overnight the card to me, they made that decision and only after they verified my identity. Thirdly, I have been using my card continuously since XX/XX/XXXX with no problems. I can clearly see that shutting my card off now was a matter of Wells Fargo trying to cover their buts and rectify something that should have been done seven months ago and doing so at my embarrassment and inconvenience. I was in the XXXX XXXX XXXX for many years and I am absolutely sure that this was all due to an audit although they would not tell me this. I also would like to mention that this is no reflection on Dillard 's, this is solely Wells Fargo once again scrambling to cover up for their mistakes and making their customers pay for it.

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 2024-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have been making my payments since XXXX. 

None of my payments have been applied to my principal balance, and I had no idea. 

I once paid a lump sum of {$10000.00} towards my loan and that is the only time money went towards my principal. 

So they let people pay in a lesser amount than the interest builds up, and they FORCE you to pay your interest BEFORE you can pay your principal, so you end up just paying your interest over and over without any money going towards your principal. 

I wanted to put money directly towards my principal and they don't allow it until the interest has been paid off. 

It's ridiculous- payers should be allowed to put money towards their principal balance or the interest will remain uncontrollable for them. 

I can't believe this is a federal loan processor. Full on loan shark. 

Here is the description directly from their website : " Can I have my payment applied to interest or principal only? 

No. When a portion of a payment is allocated to a specific loan group, payments are applied to individual loans proportionally to fees first ( if applicable ) *, then to interest, and then to principal. If you are on an Income-Based Repayment ( IBR ) Plan, payments are applied to interest, then to fees ( if applicable ) *, and then to principal. '' Here 's the problem- they make it so you never fully pay off your interest, so the payments ALWAYS go towards interest and NEVER go towards principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
Theres been a collection attached to my credit that I have no knowledge about. Ive been trying to figure out what this is and I cant get any information on it. As of what I know I dont owe anyone nor have I defaulted on any payments Ive had

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 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am deeply disappointed by the way this has appeared on my credit report. I have never missed a payment, and I work tirelessly day and night. It is unjust for you to damage my reputation as a consumer in this manner.

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 2024-03-20 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-03-20 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: NC

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one violated the FCRA sect 623 ( a ) ( 7 ) regulations V. Duty to provide the Customer with a Notice about Negative information. A duty to provide a notice to the customer when reporting negative information 30 days after it's reported with a written notification. I have never received such notices. If capital one feel they have properly notified me with written notification then please send me a copy of the certified return receipt bearing my name and signature as proof. If you can not produce the document in next ten days then delete account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

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 XXXX 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 2024-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following fraudulent inquiries were made due to identity theft and I have requested them to be removed from my credit report. Equifax has not removed these inquiries from my credit report. 

XXXX XXXX  All Banks XX/XX/2023 Equifax XXXX XXXX All Banks XX/XX/2023 Equifax These are not my accounts and I did not initiate these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
HERE ARE A LIST OF ACCOUNTS THAT ARE INVOLVED IN LITIGATION ... ... ...... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I took out an installment loan. It was paid off on XX/XX/XXXX. There were some overpayments. I tried to get the overpayment refunded to me after all adjustments were made. I called the toll free number and was told that I was owed no money. That call is recorded. I clearly overpaid and should receive a refund.

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have been trying to pay off my account with XXXX since XX/XX/XXXX. I mailed a check for {$11000.00} on XX/XX/XXXX to XXXX XXXX XXXX XXXX, TX XXXX which is the address listed on my statements to make a payment by mail. According to Comenity Bank, this check was never received. I contacted my credit union to have that check cancelled and have them issue a new check which was mailed directly from XXXX to the same address on XX/XX/XXXX in the same amount. Again, Comenity Bank said this check was never received. I sent copies of the front and back of the check as requested. On XXXX XXXX Comenity Bank sends me a letter saying they received my claim and are currently researching it. On XXXX XXXX I receive a letter from Comenity Bank stating there is no record of my payment and I now owe {$800.00}. I once again contact my credit union to have the check canceled and reissued, pick up the check and go to a XXXX  store located at XXXX XXXX XXXX. XXXX, MD XXXX to pay in person and I was told by XXXX that they couldnt accept a payment in store over {$1000.00}. She gives me XXXX numbers to call, XXXX of which I received a message saying I was unauthorized to call. The other is to XXXX XXXX customer service who transfers me to Comenity Bank. I ask the customer service rep what is the address to make an overnight payment and he proceeds to tell me that there is no address to make an overnight payment. He gives me the XXXX XXXX XXXX address and I explain to him Ive mailed XXXX checks to that location which were never cashed. I called customer service line a few days prior to confirm the mailing address and they tell me it is located on my statement. I respond with I dont have my statement in front of me and with an attitude she states XXXX XXXX XXXX XXXX XXXX TX XXXX. This is NOT what is printed on the statement! I also called customer service this morning to inquire how long it takes for a payment to post because according to my statement, a payment mailed to the overnight address is credited the same day received if it arrives before XXXX XXXX. I have confirmation my package was received and signed for by XXXX on XX/XX/XXXX at XXXX. My account has not been credited as of XXXX XXXX XXXX XXXX  which is the time Im writing this. I am now forced to have to pursue legal action and I have various phone calls and the store visit all on video so may the odds be in their favor. I have called customer service and written Comenity Bank NUMEROUS TIMES over the past XXXX months. These people are unprofessional and DO NOT CARE about trying to close this dispute. They have received my checks and are refusing to cash them. DO NOT OPEN AN ACCOUNT WITH THEM. Seems the only payment they are willing to take is over the phone or on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 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: CO

Complaint narrative:
XXXX : I pay to get XXXX credit agencies. They show Equifax XXXX pts lower and show Equifax reporting late pays and collections. 

On Equifax site they are XXXX pts lower than other XXXX but not XXXX.. And They do NOT show any derogatory history. ( I had disputed with all XXXX agencies and had removed in XXXX. I have NEVER had a late pay or collection ) so no idea why XXXX XXXX lower BUT issue is if go direct on Equifax site no derogatory.. access Equifax through XXXX XXXX .. XXXX XXXX XXXX XXXX then Equifax shows collections derogatory and low score.

Creditors and employment have reported I do not qualify due to Equifax. Stating they take combined score and XXXX? I can not get employment or loans due to this. 

I contacted Equifax about score showing on all other sites. They said contact the other sites not our issue. 
I contact XXXX they say contact Equifax thats what they reporting. I contact XXXX they say dispute XXXX agency and denied. 

I re dispute XXXX Equifax and they say? 
( Honestly Who knows the decisions and actions are like deciphering code. ) Appears they said., nothing derogatory on your account. Dispute info not on account, Bottom line when Equifax is pulled it shows inaccurate information that is not shown on their site

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My PIN number was accessed by an unauthorized person and made over XXXX charged on my debit card. The bank did not give me money money back after saying the charges were uncharacteristic for my usual transactions. They closed the case and did not refund me the full amount that was taken from 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 explanation
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: LA

Complaint narrative:
I want these inquiries deleted as I did not authorize these companies to run my credit 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

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 2024-03-20 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: 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
Consumer complaint received 2024-03-20 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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