vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
THE problem is this : Wells Fargo Bank, and it is with all due respect incomprehensible to my beloved wife XXXX and me, requires that we have a mobile phone in order to gain online banking access! 

But repeatedly I have told XXXX senior XXXX  banker in the XXXX branch and as well at the corporate level that we do not have a mobile phone and that without a mobile phone we can not use online banking! 

Being a man of XXXX  years of age with XXXX XXXX XXXX XXXX, I can not just pop over to the XXXX branch. 

I learned the other day that I have not XXXX, not XXXX, not XXXX, not XXXX, not XXXX, not XXXX but XXXX overdraft fees at {$35.00} per piece for an astoundingly sickening {$240.00} that sent me straight to bed! 

XXXX and I live ONLY on Social Security and so this means I can not make certain vital purchases! 

Furthermore, and importantly, no one ever called me about these fees! I was not ever emailed about these fees! I received no letter about these fees! XXXX with whom I have transacted bank business never called me, wrote to me, emailed me! 

For some unknown reason my access to online banking ceased and efforts to restore it failed because, to repeat yet again, we do not have a mobile phone! 

LET ME BE VERY CLEAR : Tens upon tens of millions of people in our beloved country and hundreds upon hundreds of millions if not billions of people round the world do not have a mobile phone AND SO CAN NOT HAVE Wells Fargo ONLINE BANKING ACCESS! 

Patently unfair and, with all due respect, UNCONSCIONABLE! 

A matter it seems to me for both the Comptroller of the Currency and the Board of Governors of the Federal reserve! And Congress and the FTC and the XXXX and DOJ as well!

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing an inaccurate XXXX XXXX account reported by the credit bureaus. Despite multiple certified requests for verification, the bureaus continue to inaccurately verify the account. TransUnion reports the account open since XX/XX/XXXX, while XXXX and XXXX both report it as open since XX/XX/XXXX. Due to the discrepancies and failure to provide accurate verification, I am requesting the removal of this account from my credit report. The last updates were reported as follows : TransUnion on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on 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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was charged an enormous amount of interest of XXXX. Original loan XXXX was borrowed with 0 % interest for I was told 24 months. I had paid off more than half by the XX/XX/year> and on XX/XX/year> I was charged the XXXX, XXXX in interest. I called on XX/XX/year> when I realized my balance was so high! I asked to speak to a manager and the manager told me the interest was non-negotiable. I planned on paying the entire balance off, before the 0 % interest rate increased and mis-calculated the time the promotion ends. However, I still could not believe, even if the promotion ended, the unbelievable amount of over XXXX I was charged and all the money, I had paid and on time was immediately doubled, and I was starting all over to the virtually the original loan amount! I believe this violates the law on unfair and unreasonable interest charges. I should have been charged a fair interest amount. I also called on XX/XX/year> asking for my pay statements, because I never received any statements the entire XXXX years, nor could I view any statements online. I was told, there were XXXX addresses on my account and there may have been a mix up of why I did not receive any statements. The agent verified my address and told me I would be mailed the XXXX statement. I also, asked to have all my statements electronically from now on.

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 2024-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted my XXXX 2024 application and approval receipt and later provided all required financial aid documentation to the school as requested. Despite my efforts to inquire about my award of financial assistance status on XX/XX/year>, I received an email from XXXX XXXX informing me that I would receive further information about my financial aid package, which I am still waiting to receive. Despite reaching out to the office of financial assistance, I have been told that they are working to process my award soon and that the monetary award will be posted on my account by week XXXX of the current term, which is approaching its end. 

This delay is causing me significant financial stress, and I urgently need a resolution. Despite my multiple attempts, I have yet to receive any assistance, explanation of the delay, or a plan regarding the balance on my account, which I can not pay, and the school is aware of this. I am only XXXX classes away, including the current one, from XXXX  ; however, without the school being proactive in resolving this issue, I won't be able to register for the last XXXX courses due to financial neglect from the school. This situation has been causing me sleepless nights, unnecessary stress, and discouragement. I need assistance with this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
They told me the payment didnt go thru so I paid with another card and a week later the payment they claimed didnt go thru was processed and it sitting on a closed account as a positive amount. When I ask when they will issue my refund they tell me the account was sold to someone else but refuse to issue my check. I have screenshots of the conversation.its a Fortiva Credit Card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: IN

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
First, I want to make the point that this complaint is not about the money, it's the idea that so many banks tack on small fees without consumers knowing what they are paying. In this case, I paid the entire balance of {$42.00} in XXXX by the due date. I had heard the interest rates were increasing from the already high rate so I decided I would pay off the account every month. I made no purchases in XXXX but when I got the XXXX statement there was a {$2.00} minimum interest charge. I thought it was a mistake ; I ignored the bill. When I received the XXXX statement it had increased to {$5.00} so I decided to contact customer service to see if the balance could be removed. It was difficult to use the website to resolve an account problem ; the customer service person was very nice but confused because she only knew how to handle merchandise issues. However, she took my information and honored my request to close the account. Comenity Bank followed up in XXXX with a confirmation that the account had been closed and a notice that I would continue to receive monthly billing statements. I had intended to contact cfpb much sooner but continued to procrastinate until the latest bill included a late fee and monthly interest charge. I am an elderly person, XXXX XXXX XXXX ; I still have all my faculties and obviously can use some technology but the idea of organizing and collecting the information for this report seemed onerous over the ensuing months so I admit to neglecting to submit this report. Today I paid the most recent bill of {$60.00} [ all interest and fees since XXXX ] and I want to be done with it but I fully expect to receive a {$2.00} bill next month. I have saved all statements but scanning and saving is not my forte. There doesn't seem to be a way to save and come back to this. Anyway, I'm sure the company has digital files.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 2024-08-31 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: NJ

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.

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 2024-08-30 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: NJ

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.

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 2024-08-30 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: PA

Complaint narrative:
My recent consumer report is showing unauthorized and unverified inquiries from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the inquiry dates is XXXX XXXX, XX/XX/year>, XXXX XXXX. These unauthorized inquiries are hindering me from utilizing my credit according to 15 U.S code 1602 ( p ) these unauthorized inquiries needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My recent consumer report is showing unauthorized and unverified inquiries from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the inquiry dates is XXXX XXXX, XX/XX/year>, XXXX XXXX. These unauthorized inquiries are hindering me from utilizing my credit according to 15 U.S code 1602 ( p ) these unauthorized inquiries needs to be removed immediately.

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 2024-08-30 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: IL

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 studying 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 2 out of 3 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 non-monetary relief
Consumer complaint received 2024-09-02 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-09-02 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern : The right to contest my credit report is something that every XXXX has ( In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted standard of metro 2 data field reporting ), and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations, then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately. I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on 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 explanation