vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Early Warning is obligated by the FCRA to report accurate accounting data. The consumer is advising that all the inquiries reported are fraud, Early Warning services have 4 days according to the LAW. to remove such items. An FTC fraud report was filed on behalf of the consumer. Consumer is now requesting EARLY WARNING to provide ALL documentation used to determine inquiry was indeed authorized by the consumer. Early Warning has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report. If Early Warning does not have the documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX XXXX XXXX file number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX. I will be filing for 211 treasury XXXX forms to audit consumer accounts. Early Warning Services is securitizing consumer data yet refuses to provide consumers a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XXXX, my Wells Fargo ATM card was compromised. I notified WF within the hour of this occurrence and requested that my ATM card be cancelled and a new one issued. After waiting over a week for a new card and not receiving one, I called WF to ask where it was. I was informed that a new card hadn't been ordered. I was concerned about my account being vulnerable but was told not to worry because my account had been frozen. WHAT?? I hadn't asked for that, and I have most of my bills on automatic payment. I told them to unfreeze my account, cancel my ATM and send me a new one. Which WF did. 
I thought all was well, my bills were paid in XXXX and XXXX. 
On XXXX, I paid my 2 XXXX credit card balances. One card is due on the XXXX, the other on the XXXX. A week later, my XXXX dXXXX XXXX XXXX XXXX was declined. When I called XXXX to inquire why, they told me my account had been closed. WHAT?? I had paid my accounts early, so why was it closed? XXXX told me they had tried 3 times to collect from WF and was declined, so they closed the account. I won't go into how infuriated I was! XXXX didn't contact me that they closed the account, I could have paid the balance with a XXXX XXXX account. But my issue is with WF. I called WF to find out why my XXXX card wasn't paid and was told that my account had been frozen. WHAT?? I had neither consented or was notified that my account had been frozen. I couldn't believe it! I asked why it was frozen and COULDN'T BE PROVIDED AN ANSWER! I was transferred multiple times and explained my situation multiple times to different WF personnel but still couldn't be told why my account was frozen. One guy suggested that my account wasn't properly reopened in XXXX, so it was again frozen. WHAT?? I have spoken to no less that 10 WF employees and STILL haven't been given an explanation. I have been contacted by WF by phone and letter that my account was frozen last XXXX because my ATM was compromised. I KNOW THAT. Still nothing about XXXX. WF sent me a mediation form and I filled it out and was contacted by phone this morning by a WF mediator and after I told him my situation, he said that my case doesn't really fit into his department. He deals with fraudulent accounts or activity with WF. SO, I STILL don't have an answer. I even went into a branch and spoke directly with a banker and she couldn't figure it out. XXXX asked for a letter from WF stating that my account was frozen not by my direction. In other words, the denied payment to XXXX wasn't my doing. 
WF refused to give me such a document. I decided I didn't want to do anymore business with WF so I closed my account on XXXX or XXXX of 2023.

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 2024-01-26 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I was concerned why my credit score dropped so dramatically. My credit score dropped from XXXX to XXXX In XXXX 2023 and remains at XXXX currently. On XXXX 2023 XXXX XXXX XXXX XXXX transferred the servicing of my account to XXXX XXXX . I contacted XXXX, XXXX XXXX, Equifax, XXXX and XXXX. None of them could provide information as to why my credit score dropped XXXX points. None of my credit reports have new accounts being opened or other new activity that would effect my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
In XXXX I identified that XXXX and the FSA website had two different due dates for my student loans. I followed the issue and the due dates were changing daily. On XXXX I submitted a complaint to the FSA website, case # # XXXX that my due dates were changing. 

I also sent a message on XXXX that the due dates were still changing and it was even changing multiple times in a day. That continued for several days. Then I noticed that both XXXX and FSA had the same due date of XX/XX/XXXX. 

In reviewing my Federal student loan account XXXX  on the FSA website, I see that my date due for my next payment is XXXX. On XX/XX/XXXX, that payment due date was XXXX. Today, XX/XX/XXXX, that payment due date is XXXX. Less than XXXX weeks away. I am checking my loans every day for this very reason. I do not trust the information and I do not want any late payments to hit my credit report. What is happening that the data on these websites simply can not be trusted. These are huge loans, and it is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: MD

Complaint narrative:
This complaint is concerning my auto loan with Flagship Credit Acceptance. I have had my current auto loan with them since XX/XX/2022. However, I need The Consumer Financial Protection Bureau to PLEASE HELP AND INVESTIGATE their predatory lending. At the time of getting the loan, Flagship failed to clearly and accurately disclose the terms and conditions pertaining to when a payment is late. Specifically, late fees are {$20.00} per day ; which adds up quickly to being unaffordable. Upon doing further research, I've discovered that every auto loan financed with Flagship have disproportionally high fees that accrue per day. Unfortunately, as a consumer, myself and many other Flagship customers have been tricked into believing that our loans are affordable. As a consumer, this lender deceptively convinced me to agree to unfair and abusive loan terms; making it difficult for me to be late with the {$20.00} per day late fee. I've made numerous calls to Flagship concerning the late fees, but each time, they purposely change the subject.

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 2024-01-26 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: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2024-01-26 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: NC

Complaint narrative:
XXXX and Equifax have been informed of my identity theft victim status, and documents have been submitted to them multiple times. However, they continue to report unauthorized inquiries on my consumer report. I have not approved any inquiries that do not correspond to an open account on my credit report. Additionally, Equifax disputed these findings and provided results on the same day, which seems implausible given the volume of inquiries that appeared simultaneously. These fraudulent inquiries must be promptly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This debt was never verified, which is a breach of the FCRA! I have requested numerous times that the signed contract with my signature as well as monthly statements for ALL charges be mailed to me to be verified as I never received any letter offering me to verify the debt, but they refuse. I also have disputed the account with XXXX and they refuse to remove it and instead within only a couple of days of my dispute put this on my account, which is NOT verified as accurate and also a breach of the FCRA!! I want the debt removed and dissolved for this reason and I want both the collection agency and XXXX fined for breaching the FCRA!! They can not follow the law AFTER they BREAK THE LAWS!!!! 

CBNA Your information may have changed since XX/XX/XXXX Account info Account name CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance {$1600.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX Current / Terms met XXXX Past due 30 days XXXX Past due 60 days XXXX Past due 90 days XXXX Past due 120 days XXXX Past due 150 days XXXX Past due 180 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX to XXXX XXXX 180 days past due as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX, XXXX XXXX  30 days past due as of XX/XX/XXXX, XXXX XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1000.00} Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX XXXX, SD XXXX Comment Current : Completed investigation of FCRA dispute - consumer disagrees. 

Account closed at credit grantor 's request. 

Previous : Completed investigation of FCRA dispute - consumer disagrees. 

XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item was updated from our processing of your dispute in 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 2024-01-26 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2024, 141 XXXX XXXX transactions in the total amount of {$800.00} were made, unauthorized on my Chime checking account. I called a filed a claim disputing the charges on XX/XX/2024. The very next day XX/XX/2024, I received an email from Chime stating that after investigating the charges they found no errors made and denied my claim. I called that same day to inquire as to why the claim was denied and Chime told me that I would have to wait to receive the results of the investigation within 10 days to find out why the Claim was denied and that I had to request those documents. No one else could tell me even though I was talking to the disputes department. On XX/XX/2024, I called again to speak to a supervisor about the claim. The supervisor filed a rebuttal claim to reopen the claim they denied including my recent XXXX XXXX  transactions, at which the supervisor requested I send them. The supervisor also filed another request for the investigation results documentation. Since that time I have not received any information about the rebuttal claim I filed. On XX/XX/2024 I received an email from Chime that listed the transactions from my claim dispute, the intake questions and the documents I upload to them. There was no information in the email of an actual investigation. On XX/XX/2024 I called again to check the status of my rebuttal claim results and I was told that the claim was denied again that in order for them reopen the claim again is if I sent in more documents pertaining to the unauthorized charges. I ask what kind of documents did they need because I had already given all the documents I had. The Chime representative could not tell me what else they needed and that there was nothing else he could do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: PA

Complaint narrative:
I did not authorize these inquiries nor do I recognize them. Theres an error in my credit report which is a defamation of character and Im asking that these inquires be removed. XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Pursuant to 18 usc 8 I owe no debt, these companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 these companies had no permission to report anything using my info pursuant to 15 usc 1681 4.

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 2024-01-26 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:
I did not authorize these inquiries nor do I recognize them. Theres an error in my credit report which is a defamation of character and Im asking that these inquires be removed. XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Pursuant to 18 usc 8 I owe no debt, these companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 these companies had no permission to report anything using my info pursuant to 15 usc 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
We have repeatedly contacted bank for assistance with payments because of significant financial hardships including my XXXX  XXXX  pay being suspended in error by the XXXX XXXX and XXXX XXXX ( XXXX ). As a result, I lost more than half my pay and had to correct the issues to be paid which has put us significantly behind in many bills and payments including the car. 

We initially got two vehicle payments deferred and we were told at that time if we needed additional payments deferred it wa a simple phone call back to Santander to have additional payments if our hardship was ongoing and still causing issues. When we called back because the hardship has continued, we were told we do not qualify because once there is a deferred payment, in order to get a new deferral, we needed to make XXXX payments more... they never stated this in the beginning of the request for deferral. Further, it took them over 4 months to even notify us that they had a special deferral/default section/group called " XXXX. '' It took us over XXXX phone calls and various representatives in order to get the XXXX  department and they have been utterly useless refusing to review the account or work with us in any way. 

Further, Santander mailed my mother ( not an account holder ) information in her name regarding MY loan on a vehicle she is not a joint account holder and has nothing to do with our account. They literally sent private detailed information including account numbers to my mother in Washington state. 

We have paid every payment on time until the hardship and had another vehicle loan for over 5 years that NEVER missed a single payment and was paid off early yet this bank wants to offer ZERO assistance in the way of helping with literally TWO payments ( we have stated we would be able to make two full payments on XX/XX/2024 when my pay is received properly ) to be deferred. This is a vehicle worth XXXX with a balance owed of only XXXX. It is my belief they are attempting to take my vehicle knowing they will actually make a ton of money on it and that is why they are refusing to assist with payments for a hardship. 

We waited months and they refused to even call us back. We were told repeatedly we qualified for deferment and they would call us back to set it up then no call and when we called them they sent us to voicemail. 

I have messaged them on my account giving permission to speak about our account and we informed them today we were filing a complaint and they had permission to speak to CFPB in regards to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
To provide context, my husband and I filed for XXXX  XXXX bankruptcy, with specific arrangements in place to exclude Carrington Mortgage from the proceedings. Unfortunately, Carrington Mortgage took legal action to include the mortgage, resulting in unforeseen fees totaling {$1000.00} being charged to our account. We firmly dispute this additional fee, contending that Carrington Mortgage should bear the responsibility for these expenses, given that they initiated the process of including our mortgage in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I hope this letter finds you well. I am writing to file a complaint against Experian regarding inaccurate information on my credit report, as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). The details of my dispute with Experian are as follows : On XX/XX/XXXX, I contacted Experian to address the inaccuracies present on my credit report. Unfortunately, as of today 's date, I have not received any response from Experian. 
The inaccuracies pertain to the following accounts : XXXX XXXX XXXX XXXX Account # : XXXX, Date Opened XX/XX/XXXX, Balance : {$22000.00} ) The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$520.00} ) The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$500.00} ) The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$120.00} ) The account was never late. Please correct/update this inaccurate information 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