vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Had a 1st Mortgage with Wells Fargo and a Line of Credit. My home went into Foreclosure. I tried to modify the Mortgage twice and never got a response. On the Third Modification it was denied, and I appealed and still nothing. I spent hundreds of dollars on Attorneys. In XXXX my mortgage got Sold to XXXX and then to XXXX XXXX. My Home flooded in XXXX and due to conditions and good attorneys my foreclosure got delayed. In XXXX I was able to sell my home and satisfied both Loans. I have contacted Wells Fargo trying to recoup some of my expenses and fees and they don't even have me on their system. I don't know what to do. They miss handled my case and took advantage of my situation in every way possible. Need guidance as to what to do. 
My loan number for the 1st Mtg. XXXX My Loan number for the Line of Credit XXXX My home address was XXXX XXXX XXXX XXXX XXXX, Fl XXXX On the Credit Line when Wells Fargo sell the mortgage to XXXX they started to Force place Insurance when there was Force place Insurance already by Wells Fargo and when Sold XXXX placed XXXX XXXX Insurance as well. Attached is the Pay Off letter showing all the fees which I paid at Closing. 

On the 1st Mortgage side I am attaching all fees which where placed at Closing. Document is from Attorney representing Bank. and they got every penny.

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Several charges were posted against my Citi credit card ( ending in XXXX ). These include : XXXX # XXXX XXXX XXXX DE, for {$100.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX I reported these as invalid/fraudulent on or about XXXX The card was cancelled and another one was issued ( current account ending XXXX ) After review I received notification from Citicards that 4 purchases were chip enable and since my card was not out of my possession these are not fraud. I have had this investigation reopened 2 times and am advise that it can not be reopened a fourth time. 
These charges probably represent gas purchases from the subject vendors and should have been flagged as suspicious. I do not believe I have been to those vendors in the past. I have certainly not been to them in several years. Furthermore I believe Citi is in error or deceptive stating the charges were chip enabled. Unless it is possible to counterfeit the chip technology there is no way that the charges could have chip enabled as the cards were in mine and my wife 's possession before and after those charges were encountered. Lastly Citi has not provided evidence that the charges were chip enabled, nor advised me of the time the charges occurred or if it mine or my wife 's card. At this time I don't have any of the needed information to refute there claims and the card is not providing the advertised fraud protection.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried to login into Experian. Despite logging in ealier in the day they state my password is not longer correct. 

I click the link to reset my password, authenticate with my phone, reset the password and get a " successful '' reset message. 

The " successful '' password does NOT work, even though I copy and paste the exact password I just typed. 

This happens over and over and I can not access the site to freeze my 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 non-monetary relief
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Upon inspecting my credit report, I have ascertained that there are multiple credit inquiries which I deem unauthorized and possibly fraudulent. Specifics of the inquiry in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I affirm that I have neither granted permission nor acquiesced to allow the aforementioned entities to peruse or evaluate my credit information. Furthermore, no consent was imparted on my behalf for Equifax to compile such inquiries into my credit history. These practices appear to contravene Section 1681b ( c ) of the Credit Reporting Act and encroach upon my statutory privacy entitlements.

In compliance with the requirements engendered by this situation, I request verification of this data from the above-listed entities and insist upon receipt of all pertinent documents substantiating these inquiries, inclusive of those containing my signed approval if existent. 

Moreover, I mandate that Equifax present tangible evidence of a contractual agreement between myself as consumer and Equifax that establishes explicit consent for Equifax to disseminate any personal information thus related. This document must bear my signature as proof of consent. 

Should such validating documents be unobtainable or nonexistent, I hereby demand immediate expungement of these questionable inquiries from the credit file linked to my Social Security number. 

Please be apprised that under Section XXXX of the Fair Credit Reporting Act, there exists a statutory obligation for your entity to procure the requested agreements and execute an investigation forthwith. 

I anticipate your prompt attention and resolution to this issue. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
please delete unauthorized inquiry 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 2024-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
My XXXX son was in a car accident on XX/XX/2023 He was admitted to XXXX XXXX XXXX and stayed for 76 days. The first {$10000.00} of the bills were covered by my insurance ( XXXX ), and I have received a letter of XXXX XXXX XXXX from them. The driver who rear ended my son -- XXXX XXXX XXXX XXXX -- -had no XXXX protection coverage. I have XXXX  XXXX ( XXXX ) health insurance coverage from my job as a XXXX. I have a {$6000.00} out-of-pocket maximum for the year, but in XXXX, I paid over {$12000.00} in copays. XXXX XXXX, a XXXX group with XXXX XXXX, billed my car insurance and then my medical coverage, but the claim was denied. They sent the bill to collections with Preferred CMS, who refused to stop calling. I contacted XXXX XXXX, who said they needed conformation that the claim was being reprocessed. On XX/XX/20, I spoke with a representative from XXXX, conformation code XXXX, who reprocessed the claim and said give it a week. XXXX XXXX has assured me that collection efforts would stop if the claim was reprocessed, but onXX/XX/224, I received another call. When I returned it, I spoke with a " XXXX XXXX '' who insisted that I needed to make payment arrangements. She would not let me speak and explain my case, so I emailed them and requested that they no longer contact me about this debt that I do not owe. I provided them with a phone number to XXXX and a representative 's name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After my first complaint ( ID : XXXX ), the problem is not resolved because they didnt ( XXXX ) take into account the additional statement I paid on XX/XX/23 in the amount of {$310.00} because they charged back incorrectly for the XXXX  charge as stated in the previous complaint ; I didnt want to have interest on the acct for not paying the balance so I paid the statement to not incur further unnecessary fees. ( XXXX ) I also received a letter from Chase stating that the final and permanent credit on the account will be for the amount of {$610.00}. Of that, I only received {$460.00} so far. See pics below for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: NJ

Complaint narrative:
These accounts are being reported negatively and I do not recognize them, I need them to be removed from my report XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I have fraud protection with XXXX. Received an alert about a suspicious account and was directed to call Barclays about the account wrongfully being in my name. XXXX did all what they could do on their end and investigated. XXXX came back and stated to the account was legitimate. I then call Barclays myself using numbers XXXX and XXXX. They kept asking for the account ending numbers XXXX. I did not enter the numbers because I did not want to wrongfully activate this account that do no belong to me. Never got the opportunity to speak to a representative. Barclays sent me two letters saying they recognize the dispute but the account is accurate. Once again this is not true I have tried several times through both agencies to clear this up. Just now, I received another alert from XXXX that the same Barclays account ending in XXXX have a address on my profile. XXXX XXXX XXXX XXXX, PA XXXX. This is fraud. I know no one in that State and this account is not mine. This is the third agency I have reported to fraud too. Barclays was not helpful at all. I am doing everything to communicate this is fraud. Barclays have no proof the account belongs 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 explanation
Consumer complaint received 2024-01-30 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: PA

Complaint narrative:
I have made numerous attempts contacting Nelnet to get my problems resolved since XXXX of XXXX. I applied to IDR in XX/XX/XXXX when I graduated from XXXX  school. At that time my loans were accepted for IDR. Only some loans were actually put on IDR while the others were placed on Standard Repayment. I have filed all my paperwork correctly and attached all relevant documents to support this. 

Nelnet has not resolved my issues after multiple attempts. I refuse to fill out another application - I completed my application about 3 years ago and my repayment plan should have been correct at that time. 

I have tried filing a complain with Federal Student Aid and I have not had any reply or resolution. 

All of my loans should have been on IDR since XXXX and transferred to save. I want all of my interest forgiven that has accrued since XX/XX/XXXX. My monthly bill for my current loans that are on XXXX is {$0.00} per month and that is what I should have been paying since XXXX. Instead I have also been paying my bills for the loans that are on standard repayment. The way that this company is handling my loans is unacceptable and I want this problem solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I received calls from affirm and I didnt know what it was until they explained even then I was confused on why I was receiving calls from them until they told me in XXXX and a different month that someone took two loans out in my name also with my social security I was very upset so I told them please what can I do to report this or stop the account and so I had to call back and speak to the manger and he helped me flag the account and put a hold on it so they can do a investigation so they can delete the account and current active loan. I learned one of the loans didnt go thru more than likely because when I called the first time I had the women flag the one loan thinking she flagged the whole account but she didnt and so I called back like I said and spoke to the manager and confirmed none of the loans were authored by me or actually made by me. today as of XX/XX/2024 officially reported the account to be investigated and I also filled a fraud/ identity theft report with the loan collector so they understood the gravity of the situation I am now having to deal with my information being leaked at a XXXX  not more half a year prior to this happening so I know this is something I must do to protect my information and fix this mess. Thank you for your time I hope I mentioned everything properly I have XXXX  XXXX so I apologize for my writing skills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I transferred {$3000.00} from my XXXX credit card to Wells Fargo credit card. The balance transfer went through but the {$3000.00} is also still showing up on my XXXX card. Have called both companies multiple times each month with the same answer. 

Wells Fargo has told me that the money got sent to XXXX ( confirmation of balance transfer : XXXX ). Trace number XXXX. 

XXXX still says they dont have any record of a balance transfer despite Wells Fargo saying the money was sent to the correct card ( after verifying the card number multiple times ).

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 2024-01-30 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-30 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:
BANKRUPTCY LETTER Your Name/ XXXX XXXX XXXX Your AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX City, State , Zip code/ XXXX IL XXXX Receiver Name/ Experian Receiver Address XXXX XXXX XXXX City, State, Zip code XXXX, TX XXXX To whom it may concern, I am contacting you because you have a bankruptcy reporting on my consumer report that is not accurate and has not been validated. 
According to the FCRA If the credit reporting agency can not validate with the ORIGINAL CREDITOR the information must be removed from my consumer file.

you are saying that the US bankruptcy courts are the furnisher of this information but the bankruptcy courts do not report to any credit reporting agency and XXXX XXXX has provided me with documentation that they could not validate this public record information. You are also false and misleading by stating that the furnisher of this bankruptcy is the U.S. Courts Your company is not upholding your grave responsibility to report, fair and accurate information, because you have never validated or verified these public record entries on my consumer report, which is a violation of 15 USC 1681a ( e ). Your company is committing FRAUD.

Because of these many violations and fraudulent activity. I have suffered greatly by not being able to extend credit, as well as not being able to sleep at night. Because you have failed to validate, verify, and uphold federal law, this bankruptcy needs to be permanently deleted from my consumer report immediately. 
Your company has 30 days by law to comply with what l am asking of you. Failure to comply is willful noncompliance and your company will be held civilly liable. 
Thank you for your attention in this matter, Last : First-Middle Without prejudice, All Natural Rights Reserved

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