vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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:
I made a partial payment for materials and labor for remodeling work at my building which located in XXXX IL. I live in California and the job was supposed to be done in XXXX IL. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$3000.00}. The bank never investigate my dispute and rejected it after a few days.

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 2025-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
XX/XX/2021 at XXXX PM I reached out to XXXX XXXXXXXX XXXX leasing agent named XXXX XXXX. I have paid my rent in full up to the term of my lease of XX/XX/2021 at that time. I was over XXXX XXXX XXXX XXXX and I didnt have the time to do a 90 day notice of leave I end up giving XXXX XXXX XXXX a notice of 60 days instead of 90 but I told them I didnt know the terms of my situations at that time. Now, almost 4 years later theyre saying that I owe them a certain amount of money and they have put it on my credit report. This is not accurate, and I already tried to dispute it with XXXX, which they said it was accurate, but they never did a real investigation or ask me any information about the case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
They didn't tell me they would charge me a 25 % transaction fee on each settlement account. I was told they only charge about 2 %. I had a XXXX account of {$7500.00}. Beyond Finance collected over {$1600.00} from me over the course of a few months. They settled my XXXX account for XXXX but took a {$1600.00} " settlement fee '' from the escrow account that I have been depositing into biweekly. They told me that the money going into this account would be used strictly for payments to my creditors. After they settled the XXXX account they took the {$1600.00} and only sent XXXX a little over {$100.00} for the first payment. I was not informed they would charge a 25 % upfront fee for each settlement I would have never signed up for this program. I was clearly told 2 %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: UT

Complaint narrative:
In XXXX, I was fully enrolled in the SAVE plan and protected from interest accrual by special forbearance that was instituted during the pending SAVE litigation. After being directed by Nelnet and the Department of Education to re-certify my income, Nelnet moved my account from forbearance to " processing '' which caused interest accrual. There was no indication on Nelnet 's website or communications that re-certifying a currently enrolled program would move the entire account out of SAVE and into a " new IDR application. '' I have since learned that borrowers were not required to re-certify, and those that did not remained in forbearance. None of this information was provided at the time of my re-certification. Now, after XXXX phone call, XXXX complaints directly to Nelnet, and XXXX complaints with XXXX ( XXXX XXXX. XXXX ; XXXX ), Nelnet has refused to remove the interest from my account or demonstrate that they provided proper notice as to the risks of re-certifying ( as supposedly required by the terms of the SAVE plan ). This interest is causing and will continue to cause me harm because it artificially inflates the total amount owed on my account, and it will require me to pay more money than I am actually obligated to under the terms of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$450.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been in on-going contract with NewRez, Shell Point Mortgage XXXX I provided all my documentations to the servicer and was approved for their forbearance plan deferring the amount on the back end of the loan. I requested for an addition 3 months of forbearance plan as well back around XXXX of 2024, which would allow me to have no credit reporting until XXXX of 2024. According to the Fannie Mae guidelines, I am eligible to be approved for the additional 3 months of forbearance to not have any credit reporting. As I was providing documents to the servicer, and have a notary schedule to meet with me to sign the new agreement plan. I can not resume payment until the new agreement plan is signed and notarized therefore I can not make the payments and I was told that it would all be rolled up into the deferral amount. NewRez, ShellPoint Mortgage reported that I was late on XXXX and XX/XX/year>2024 's payment. In XXXX and XXXX, payment while I can not resume payment until the agreement was completed. 

I provided the guideline plans for reference.

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 2025-02-14 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: MA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank Address ] Formal Dispute of Account Closure and Reporting To Whom It May Concern, I am writing to formally dispute the handling and reporting of my XXXX XXXX XXXX XXXX account. My account was closed due to XXXX closing my debit account, which resulted in my loss of access to the secured credit card. This closure was beyond my control, and I have been unfairly penalized for it. 

I previously submitted a dispute regarding this issue, and within less than an hour, the investigation was marked as complete. This is a blatant failure to conduct a proper review. I demand a legitimate and thorough investigation into this matter. 

Your continued reporting of this account as closed due to my actions is incorrect and misleading. This level of incompetence is financially damaging, and I will not tolerate any institution unlawfully affecting my livelihood. If this issue is not resolved immediately, I will pursue federal legal action against XXXX, XXXX XXXX, and any affiliated parties responsible for this unjustified harm. 

I demand that you correct this issue by either : Restoring access to my XXXX XXXX XXXX XXXX, OR Removing all negative reporting related to this account. 
Failure to act will result in legal proceedings where I will hold all responsible parties accountable for financial harm and emotional distress. 

I expect a prompt written response confirming the resolution of this matter. If this dispute is ignored or dismissed without fair review, you will face legal consequences. 


How can an account be reporting no missed payments on an acct I have no access to I will hold you accountable. 


Sincerely, 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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a Truist Bank checking account to take advantage of a bonus offer and fulfilled all the requirements, but I have not received the bonus. When I contacted customer service, the representative initially apologized but did not agree to provide the bonus or transfer my call to a supervisor. However, when I mentioned that I would file a complaint with a federal agency, a supervisor assured me that an investigation would be conducted and the outcome would be communicated within 15 days. It has now been over 15 days, and I have yet to receive any response or the promised bonus.

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 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
i was in the hospital with a XXXX XXXX i was given many tests and now i taking XXXX XXXX  i am not doing well i can not handle the stress from this bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: AL

Complaint narrative:
I made a purchase with my bank Wells Fargo using my debit card on XXXX XXXX to buy some stuff. I placed the order and later I received my stuff but everything was wrong and was missing items in my order. I tried contacting XXXX XXXX but there app is not helpful at all and couldnt get in touch nor the driver regarding this problem and this was on XX/XX/XXXX. The total of the order was {$40.00}. I opened my claim with Wells Fargo on XX/XX/XXXX and told them the same info and just last week week of XXXX XXXX I got a letter saying my claim was going to be closed on XX/XX/XXXX since they said they requested more info to help with the claim but never received a request besides explaining what happened when I first open the claim. I called and I gave them the info I needed and today XX/XX/XXXX I see the provisional credit was reversed and claim was closed and I called and spoke with someone to see what happened and why was the claim was closed and not in my favor and the worker told me that XXXX XXXX provided proof that it was in fact me that placed this order and wells fargo closed the claim due to that according to the worker. I never opened this claim because I wasnt the one who made the charge, I know I made the charge but what I opened for the claim was due to not receiving what I paid for and not given a resolution by the business and no matter how much I tried XXXXXXXX XXXX made it impossible to get in touch with them.

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 2025-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
I have been trying to change my loan repayment plan from the standard plan to the graduated plan with Mohela for the past three to four months. I initially tried to change it with them XX/XX/XXXX, but they said it would take time to process the change. 
I called back in XXXX asking for an update, because I hadn't received any correspondence from them regarding the issue. They claimed that it would take longer to process ( up to 45 business days ), so they put in a request for the account to have a forbearance until the process was complete ( this should process in 7 business days ). 
I again hadn't received any correspondence about the approval or denial of forbearance, and I had to access my Mohela account to determine that it was approved ( until XX/XX/XXXX ). 
Today, XX/XX/XXXX, I still haven't received confirmation about the loan repayment plan change, and the account doesn't show a change. It just shows payment due XX/XX/XXXX on the standard payment plan. I called again today, and after waiting for five hours for a call-back, they claimed they couldn't do anything for me in that department and I had to be transferred. I understand there are different departments in call centers and customer service, however, after transferring, it said there was an additional five hour wait time ( without a call-back ) and then the call dropped after an hour of waiting.

Throughout these four months, there has been no correspondence from Mohela about any status updates or approvals/denials, and I have needed to call several times on different occasions to be able to speak to someone about these issues. It takes several calls and/or several hours [ of waiting ] to be able to speak to someone, and the account doesn't show any correspondence that I have sent to them in the respective section nor any evidence they've tried to send me correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica
State: CA

Complaint narrative:
Comerica Bank is a predatory lender and should not be allowed to swindle customers through these unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
My information was compromised due to the Equifax data breach Itvwas accounts on my credit i was never associated with. XXXX XXXX  {$49000.00} XXXX XXXX {$0.00} XXXX XXXX {$1000.00} XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$3100.00} XXXX  XXXX XXXX {$3400.00} XXXX XXXX  {$5100.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$3600.00} Mi XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$740.00} XXXX XXXX XXXX {$81.00} XXXX XXXX  {$1400.00} XXXX  XXXX bankruptcy bankruptcy {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I kindly ask all BUREAUS to please Delete all wrong information on my credit file and updated my only correct address, name and employment, Thank you Names : My only name is XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX  and my current address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX CT XXXX XXXX. Please Update my Personal Information as of today XXXX XXXX. Thank You so Much! 
I am not XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX Employment : I do not WORK on XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX I XXXX XXXX XXXX XXXX XXXXXXXX XXXX Addresses : I never lived on XXXX XXXX XXXX XXXX XXXX, CT, XXXX Date : ( XXXX XXXX & XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT, XXXX Date : ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, CT, XXXX NO DATA DATE XXXX, CT, undefined Date : ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, CT, XXXX Date : ( 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 2025-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
After my contract expired, XXXX began increasing the subscription fee. I contacted them to cancel my subscription, but due to my payments being set to AutoPay, they wrongfully continue charging me additional amounts. At the time of expiration, I was paying {$60.00} per month, but they continued increasing the charges month after month until it reached {$120.00}, despite my cancellation request. Now, they claim that I owe them {$54.00}, which is incorrect, and moreover, they sent the amount to collection, with Eastern Account System of CT. Thank you for your help. XXXX 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 2025-02-14 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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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