vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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 and 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 explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Inaccurate reporting on all 3 bureaus Demand deletion and blocked for all 3 bureaus XXXX XXXX Experian Immediate deletion It doesnt show on 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 explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am seeking a refund, as guaranteed by the Department of Ed, for the amount I paid to Navient from XX/XX/XXXX through XX/XX/XXXX during the COVID pause on my student loans. 

Navient was my servicer at the time. 

Navient says they are not able to issue refunds for loans that are no longer serviced by them. However, the Department of Ed has informed me that Navient should issue this refund, as they were the servicer of my loans during this time and received the payments during these months. 

Navient claims the payments can not be refunded because the loans were FFEL not owned by the ED. However, the Department of Ed announced that these loans WOULD be retroactively included in the forebearance and those who had made payments during the pandemic are entitled to a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The company closed the account after conditional payment was made according to the policy of the company. This is a blatan violation of my rights as a consumer in regards to the handling of the account. No consent was given to close the account and non acceptance of the instrument sent for payment is interfering with commerce and is also a cause for discharge of the obligation. 

This is a direct discrimination against me from this company. It is imperative that actions like this from financial institutions do not go unpunished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681, I would like to make a formal complaint about the follow items on my credit report that Equifax is violating my rights and violating the Fair Credit Reporting Act. Equifax is governed by 15 USC 1681, they have violated my rights several times and I demand the accounts below be deleted immediately. 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.I did not give Equifax permission to furnish these accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights. 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. I would also like to add to this complaint that I did not authorize the following companies to look at nor pull my credit these inquiries are fraudulent. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please advise that these inquires need to be removed today BECAUSE i HAVE CONTACTED THESE COMPANIES AND THEY HAVE NO PROOF THAT I HAVE AUTHORIZED THESE INQUIRIES OR PERMISSIBLE PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages named FAIR COLLECTION AND OUTSOURCING IN THE AMOUNT OF XXXX $ And same collection in the amount of XXXX $ on my credit report. According to the 15 USC 1681 Law these damages are defamation to my character. I have tried to reach out to reporting agency 3 times starting from XXXX of 2022 to resolve error and have only gotten a system generated response. No proper investigation or proof/ method of validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I tried several ways over several days and after numerous phone calls to access my account with Equifax to unfreeze my account in order to apply for a loan. I was eventually able to do so and asked to have my account fixed so that I could access it myself online. I was assured by more than one person that the account was now accessible and I would be able to freeze/unfreeze as I needed to. Unfortunately, they are wrong and I can not access it without calling and going through an intrusive interrogation each and every time. Right now, I can not get my account frozen to protect my credit. Equifax is extremely frustrating. Further, one of the ways I was asked to identify myself was to use a link they sent on my phone to photo both sides of my driver 's license and take a selfie to send them, which I find truly outrageous - particularly when it is clear my call is being handled by a call center out of the USA. It seems the company has learned nothing from their massive data breach situation. I've seen online that this is a fairly common complaint from others. This needs investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This complaint is related to complaint XXXX. On XX/XX/2023 a call was made to Shellpoint in which a representative stated that a streamline trial plan had been approved to begin in XXXX with payments of {$630.00}. Client was informed and very happy to get this issue resolved. On XX/XX/2023 another call was placed to ask for the plan in writing. The representative said that there was no modification. A supervisor took the call and stated that she would review the call and get back to me. Another call was made to Shellpoint on XX/XX/2023 and the notes indicated that no one pulled the call, nor made any notes, nor did any research. Again a call was made to Shellpoint today, XX/XX/2023 and again there are no notes that the supervisor is actually reviewing the situation. At this point, Shellpoint has not been honest about a modification, did not research the call upon request and failed to update after promising to do so. We believe that Shellpoint is not living up to their words and promises. We believe this is unfair and we are very disappointed in the dishonesty from representatives and supervisors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My debit card was stolen on XX/XX/2023. I found out that it was stolen the morning of XX/XX/2023 ( along with my vehicle and I have a police report confirming this and that my wallet was also stolen as it was inside my vehicle ) and called Wells Fargo immediately to report that my card had been stolen and used. I reported the fraudulent and unauthorized transactions. 10 days later, Wells Fargo notified me that I would be responsible for the unauthorized transactions. This is clearly unfair, unsafe, and unsound banking practice, as I trusted my bank to protect me against fraud and their investigation is clearly flawed as my debit card was stolen and I did not the authorize transactions that I reported to Wells Fargo as fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXXpayment history wrong for all 3 credit bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Our home flooded due to XXXX XXXX on XX/XX/22. We had flood insurance. It took us XXXX months to get a settlement from our flood insurance. XXXX check is written out to us the home owners and Wells Fargo who holds our mortgage. Wells Fargo 's process in order to get the largest check deposited requires us physically mailing a check to their location in XXXX XXXX. We are quite hesitant to do this as we do not want to risk having the check lost in the mail and request a new check from our insurance company as that was a lengthy process already. We have already come out of pocket to repair our home thus far, we have never been late on our mortgage payments, we have multiple accounts with Wells Fargo some accounts being over XXXX XXXX XXXX. We requested to have the process expedited to not require the mailing of the check, but were told that was denied by an executive team with no explanation of why. Our only option to not risk mailing the check is to continue paying out of pocket, so an inspector from Wells Fargo considers our home 75 % repaired and they will endorse the check at a local branch. This is unacceptable, especially when we do not consider ourselves a financial risk to Wells Fargo. I want an explanation on why they will not endorse our check and allow us to deposit it so we can continue to complete our repairs. Wells Fargo created a process that hurts those who have already dealt with so much from a natural disaster and has no humanity in assisting us when we have been good customers of theirs. All we want is to complete repairing our home and continue on with our lives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo unfairly prevented me from making modifications to my home loan to avoid foreclosure. I believe I have suffered from instances of abuse and/ or neglect. 
This is a case of my loan application being denied when it should have been approved. 
My lawyer and I went to a Mediation with Wells Fargo, and everyting looked good to have my loan redone. The representative from Wells Fargo mentioned to us before we left that he didn't see any problem with getting this loan modification approved. After i was denied my lawyer and I concluded that Wells Fargo was not trying to help me, and was not going to modify my loan under any circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: USCB, Inc.
State: CA

Complaint narrative:
This debt should not be on my credit. the new law exempts medical bills from posting on credit files that are under {$500.00}. there is no Account number listed to verify. this only reporting on XXXX does not report accurate on other agencies. Please remove from credit file or i will sue. i have posted a copy of what is stated on my report. 


XXXX XXXXXXXX XXXX Account Number XXXX  Original Lender XXXX XXXX XXXX Agency Name Uscb America Date Assigned XXXX XXXX XXXX Original Balance {$270.00} Current Balance {$270.00} Responsibility Individual Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint narrative:
Contract with XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No.- XXXX, Having paid the Fee for the Month On XX/XX/XXXX, Valued at {$400000.00}. XXXX Citibank XXXX Arbitrarily Performs XXXX ( XXXX ) Additional Unauthorized Payment Operations of the Monthly Fee of the Credit Card, The First Operation Is Performed On XX/XX/XXXX, Payment Reference XXXX. For a value of {$11000.00}. More The Second Operation It is carried out On XX/XX/XXXX, Reference Payment XXXX. For a value of {$390000.00}. For A Total of Unauthorized Payment Operations for a value of {$400000.00}. Generating Double Payment in the month of XX/XX/XXXX, XXXX Citibank XXXX must Return the Withdrawn Resource with Automatic Debit Arbitrarily from Current Account No.- XXXX. The XXXX Extract is sent as proof where the payment of {$400000.00} is observed. and the XXXX additional payments Unauthorized operations in the amount of {$400000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received an email on XX/XX/XXXX. stating that a garnishment had been placed on my account. When I contacted the company they said it was for a debt and asked if the date of birth was correct. It wasn't and then I was told that the company doing the garnishment should contact me. I then received a letter about the garnishment on the XXXX of XXXX and contacted the company on the XXXX. They asked for my date of birth and my last four of SSN. The date of birth was wrong, but the SSN was correct. But they stated this was for a credit card that I never opened or had any idea of that was in my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX bank XX/XX/XXXX payment history wrong XXXX XXXX  XX/XX/XXXX payment history wrong for all XXXX credit bureau XXXX XXXX XXXX XX/XX/XXXX payment history wrong for all XXXX credit bureau XXXX XX/XX/XXXX payment history wrong for all XXXX credit bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I mailed out letters to all XXXX credit bureaus that prompted them to respond within XXXX days. Inside the letter was proof that there is incorrect information being reported on my profile and a request to have deleted if not validated within the legal time limit. 

On XX/XX/2022, I mailed out letters to all XXXX bureaus stating that I did not receive a response and again to remove the error and incorrect information being reported. 

This is BEYOND the time frame allowed for them to respond, this is devastating to my credit profile and is preventing me from purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Wells Fargo seems to be manipulating pending charges so that the smaller charges hit my account following a larger charge ( they'll let you charge your account up to around negative XXXX dollars if need be, and I am always sure to charge the smaller charges to my account before the larger charges if I know I won't have enough to cover it, so as to avoid excess over draft fees ; Wells Fargo will charge up to XXXX in a day ) so that they can charge the max amount of overdraft fees. Sometimes XXXX fee is worth the ability to survive, but XXXX XXXX XXXX fees can be detrimental to a lower income person like myself. When I've called to complain about this in the past, they've reversed several fees, but have refused to reverse anymore since, when I've called with the same complaints. Over the years, having been a poor person living paycheck to paycheck in an increasingly more expensive environment, I'm sure I've paid thousands in overdraft fees. It feels like robbery.

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