vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has caused me severe harm. I been scammed. I been treated like XXXX. I been lied too. If this caller does not work for Wells Fargo than I want to know how this scammer was able to obtain my personal information from Wells Fargo. I file complaints and I keep receiving calls from a person who claims he works for Wells Fargo Bank. My research indicates this caller is a scammer and does NOT work for Wells Fargo Bank. I keep sending Wells Fargo these voice messages I been receiving and as of today Wells Fargo has ignored my concerns. When I file complaints I communicate with the person who sends me letters. I do not communicate with someone else who doesnt send me letters. This caller is a scammer and he possibly is responsible for taking money out of my accounts. Wells Fargo does bother but laugh at the harm they have caused me. I have no choice other than to file another complaint to get a response from XXXX  Wells Fargo Bank. Please listen to these voice messages attached. I am having a difficult time uploading these scam callers voice messages. Please provide me with a email address so I can forward these voice messages.

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 2024-10-08 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-10-08 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is my refilling of my complaint to TRUIST BANK for taking no action on correcting and removing the fraudulent account including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payment Entry To Whom It May Concern, I am writing to formally dispute an inaccurate late payment entry reported on my credit file. My personal details are as follows : Name : XXXX XXXX Social Security Number : XXXX Date of Birth XXXX Address : XXXX XXXX XXXX The entry I am disputing is associated with [ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ] reported as late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This information is erroneous and violates my rights under the Fair Credit Reporting Act ( 15 USC 1666b ), which protects consumers from inaccurate reporting.

I have thoroughly reviewed my records and can confirm that the payment in question was made on time. I demand a prompt investigation into this matter, as I am entitled to accurate reporting under federal law. It is unacceptable that such misinformation could adversely affect my creditworthiness.

I expect your investigation to be completed within the next 4 business days. Failure to address this dispute promptly will leave me no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Please find attached copies of relevant documentation supporting my claim. I expect a written confirmation of your findings and a complete update of my credit report upon resolution of this matter. 
Thank you for your immediate attention to this serious issue. 
Sincerely, 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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I made a {$5000.00} deposit with a cashier 's check having my typed-in name. There was no way for me to suspect anything fraudulent. That was on a Friday and the following Monday on XX/XX/XXXX, upon checking my account balance it shoed the check as cleared and was not pending anymore. I got a call from the suspect stating that he needed to cancel the car deal that I was selling and still am trying to sell. And that I should keep {$500.00} for my time and troubles. I wired the money to said account as instructed and even took screenshots of the wire transfer to send him as I said I would for {$500.00} that ain't nothing. The next day on Tuesday the bank notified me through my checking account that the check is fraudulent and under investigation thereby keeping the cashier 's check. Upon calling the hotline for PNC I was informed that 90 days is the usual wait time before any kind of refund is granted. That made me wait a few days anyway before I started writing my complaints about something should be done to stop him. Of course I knew he was long gone by then since he got what he wanted. PNC sent me a letter about XXXX weeks later stating that they couldn't reverse or stop the transfer. I would never have transferred the {$4500.00} if PNC didn't tell me it was approved. It's not just that funds were available to me, but the fact that the check had totally cleared and showed as 'Processed '. It showed in my 'Balance ' and not just available funds. I trusted PNC and this is where it got me, having to complain twice about the same matter. I feel that small claims court is my only option now since I'm not really being heard. I feel like this is a whole another issue now with having to sue PNC before any action is taken to help their long-term customers. I've never even wired any money before XX/XX/XXXX and the whole thing is a new venture for me. Somehow PNC should have protected me by at least waiting another day before saying the check was good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Opened Chase XXXX  Checking and Savings accounts with {$32000.00} deposit, a check issued by XXXX, from my XXXX distribution on XX/XX/year> to qualify for {$900.00} Chase bonus. Chase emailed me on XX/XX/year> stating I was a victim of fraud and my account may be closed. After weeks of multiple attempts with the help of my local Chase XXXX XXXX Branch Manager and Relationship Banker in XXXXXXXX XXXX, Chase 's " back office '' in XXXX XXXX refused to verify my XXXX check and ultimately closed my checking account withholding my {$32000.00} without interest payments or bonus until XX/XX/year>. Chase Executive Office informed me in that when I signed the Chase XXXX  Checking Account agreement ( XXXX pages long ) that Chase has the right to restrict my funds, " for any reason, or no reason, forever '' and ever, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My customer sent a $ XXXX wire transfer to Capital One for services to be provided by my company. Fraud Dept confirmed twice that my transferring of some of those funds to one of my accounts was not fraudulent and put the funds back into my account to proceed. On the third time, the Fraud Dept rep flagged the transaction, restricted my account for all withdrawals. At this point my customer is now requesting a Wire Transfer be sent back to her for the $ XXXX. I did request this to be done originally on XX/XX/XXXX, she again requested via an email and her bank, per the direction of Capital One, also sent a Hold Harmless Letter. The Wire Transfer still has not been sent back to the original sender. All of this action began with the refusals of the first XXXX wire transfers I tried to proceed with to further my transaction on XX/XX/XXXX & XX/XX/XXXX. I have confirmed these funds need to go back to the originator. There is nothing to investigate. My account had very little activity on it. This has caused me, XXXX XXXX XXXX to lose a new customer and to be threatened now with legal action because the funds are not being returned to her. I am getting conflicting communication from Capital One reps in the resolution dept. This needs to be settled NOW without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: MOHELA
State: MD

Complaint narrative:
I was falsely notified that I could make an additional payment on the principal of my loans. In XX/XX/XXXX, I used the Maryland Student loan tax credit to make a payment of {$1500.00} on the principal balance of my highest interest/balance loan. The payment was applied only to the " outstanding interest '' after several calls and messages in which Mohela said they would adjust the payment to the principal balance, I was informed later that it was not possible. I requested a refund on XX/XX/XXXX and as of XX/XX/XXXX that refund request was still " open and pending '' per Mohela 's records. The Mohela agent I was notified me she would put in an " escalation request '' it would take another 5-7 business days for the status to change and that would mean the refund would be past the 90 business day timeline for refunds. 

As of XX/XX/XXXX I still have not received any refund from MOHELA. 

I have contacted them via phone several times with wait times going from XXXX minutes to well over XXXX minutes with either no call back or worse, disconnected calls with no follow-up. 

When I was finally able to get an agent on the phone on XX/XX/XXXX, after XXXX minutes of re-explaining the situation to her, the agent transferred me to a " resolution specialist '' The Supervisor, XXXX, informed me that the refund was still listed as awaiting review she said she put in an expedited request which again would take another 5-7 business days to process. This call alone took over XXXX hours. 

I can not stress enough how exhausting this has been to keep reaching out to get my refund that was requested 148 days ago now. 

I have XXXX additional pending refunds for erroneous billing from Mohela ( payments in XX/XX/XXXX and XX/XX/XXXX and refunds requested for both in XX/XX/XXXX ). I feel that Mohela deliberately delays the processing of refunds and is vague with communicating the status. Information is not available on the Mohela site. They have poorly managed communication via email or other means. Almost every other month, I am reminded that Mohela is incapable of servicing my loan with integrity and am forced to do additional follow-up and inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I ask XXXX XXXX XXXX to dispute information on credit report due to recession hardships which prevent my payment with loss of job. Send them more request till XX/XX/XXXX and on XX/XX/XXXX letter of debt validation with charge off for {$7700.00} on XX/XX/XXXX received. XXXX XXXX also ask me send back possible details to support dispute. On XX/XX/XXXX I ask them to provide me 1099- C form pursuit to section 1681 I ( a ) ( 2 ) from for the actual account XXXX charge off due to my financial hardship. Again on XX/XX/XXXX I had sent another letter asking 1099-C. But didn't receive any letter from XXXXXXXX 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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-08 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: WA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bepensa Capital, Inc.
State: TX

Complaint narrative:
I specifically told the salesman Im already pre qualified do not shotgun my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint against XXXX for their failure to properly reinvestigate inaccurate information reported on my credit file. I disputed an account that XXXX is reporting under my name because I believe the information is inaccurate and not related to me. Despite submitting a formal dispute, XXXX has failed to comply with the reinvestigation requirements under the Fair Credit Reporting Act ( FCRA ) Section 1681i. 

XXXX has neither conducted a reasonable reinvestigation nor provided me with any documentation supporting the accuracy of the information in question. I have not received any communication or confirmation that my dispute has been adequately addressed, and the inaccurate information continues to negatively impact my credit profile. 

XXXX  failure to reinvestigate this matter is in violation of the FCRA, which requires them to investigate disputes in a timely and thorough manner. Their lack of action is causing harm to my credit standing and financial well-being, as the inaccurate information remains on my report. 

I request that the CFPB assist in ensuring that XXXX complies with its obligations to reinvestigate this disputed information, provide me with a clear resolution, and remove any inaccurate data from my credit file if it can not be verified.

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 2024-10-08 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Received and submitted paperwork for XXXX and XXXX XXXX several time only to be told that it was the wrong paperwork or sent to wrong department. It was paperwork they provided and sent per their instructions. XXXX XXXX received an email stating " The application was received on XX/XX/XXXX. The application is under review. A letter of determination will be sent when the review has been completed. '' I have not received a letter of determination. Placed a call in XXXX to inquire and was told that the review had not been completed. Called in XXXX told by XXXX that these loans were being reviewed for discharge and I shouldn't worry about the disability. After further questioning he said he could see where the Disability had been turned in and was under review but it was in the wrong department. I was transferred and repeated the above and was told that they would need to send via mail the disability paperwork. Have not received it but yesterday a letter dated XX/XX/XXXX that states the loans have been turned over to Navient Recovery their collections department. 
I am the co-signer these loans originated in XXXX, XXXX, XXXX. The person the loans were issued to has continually said that she was told and sent email that confirmed the discharge of all her loans including the 3 I am on. When they were forwarded to me by her it only shows one of the 3 loans I co-signed for. When I asked Navient for confirmation of her claim I have received NOTHING except repeated automated phone calls and request for payment.

Company response to consumer: Closed with explanation