vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was on a trip in XXXX XXXX. XXXX  days after I returned ( XX/XX/year> ) I noticed that there were XXXX unauthorized charges. XXXX for small amounts to an online company which were eventually approved and refunded and XXXX that were charged to different places in XXXX, XXXX for {$1900.00}, and XXXX for {$1900.00} that were placed back to back. I immediately called Wells Fargo disputed the claim and cancelled my card. I was told then by a WF associate that they saw were someone had tried to make additional withdrawals but that WF had blocked them because the transactions had looked suspicious. They eventually authorized a provisional credit while they " investigated '' I then received a letter on XXXX XXXXXX/XX/XXXX, stating the claim had been resolved and that I they were deducting back the credit and that i could call to request copies of the documents used to make their decision. I contacted WF on XXXX XXXXXX/XX/XXXX around XXXX. The claims rep-XXXX, said it had been closed because they received a note from the company that the items had been authorized and delivered. I still have no idea what the companies even sell were my card was charged. I told WF again that I didn't order anything or receive anything and when asked for copies of the documents they used to base their decision was told that they didn't have any copies of the documents. I told them they must have since they used that to make their decision, and he said they did not have anything. He suggested I contact the business and I informed him XXXX. I have no idea what the businesses even are and XXXX. That was their job. I then researched my next step in protesting the transactions which led me to y'all. Also in my research came across the Fair Credit Billings Act while looking and read it stated that the consumer liability for fraud was {$50.00}. I asked the rep about this while on the phone and he was unaware and had no answers. I'm using this compliant as a next step in my protest of my bank account being hacked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I bought a few {$500.00} visa gift cards issued by incomm. Most worked but 3 do not work. I have called for many months starting from XX/XX/year> to activate the cards. But incomm keeps giving me the run around. They are claiming the cards are compromised. I have them here physically. I have emailed them all the documents many times. I have attached the documents here too. But they keep saying to resend the documents to an email address that does not work. 

This email is not valid XXXX. You can try and you will see that it bounces back. 

Please activate these 3 cards XXXX XXXX XXXX I attached pics of the original cards and the replacement cards along with my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
Over two months ago I received a completely out of the blue demand for 'flood insurance ' or else from NEWREZ , the latest company to buy my mortgage. I have never been required to have it and had no idea they would be so incredibly unprofessional and threatening. I filed a complaint with your office, and received a two page reply on why NEWREZ is allowed to threaten me with a {$2000.00} insurance policy of their own if I do not 'comply '. I tried reviewing it today and it would not open. I have a PDF from XXXX XXXX XXXX stating 'the subject property is partially within a special flood hazard area. THE EXISTING STRUCTURE< HOWEVER IS NOT IN THE FLOOD PLAIN. It has been suggested they may be trying to acquire this property by any means in the event oil fracking is begun. I have not heard about this but I do find the unworkable stubbornness of NEW REZ shocking and the threatening overtones quite upsetting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez and Shellpoint are still fraudulently trying to steal my home. Attached is evidence of continued harassment and failure to cease and desist illegal practices. I've already supplied you with documentation showing the practice throughout the country. 

The attached documents are from a company I have no knowledge of and the foreclosure costs listed are manufactured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
After going through my credit profile I had saw quite a few inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-17 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: NY

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I tried to get in contact with the company after receiving emails from them, told them I don't own this debt at all and they did not do anything. I'm getting my identity stolen since always and Im trying to do something about it and deal with this account but nothing seems to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Our mortgage was recently transferred to a new loan servicer ( NewRez ). 
I noticed we had a deduction of our monthly mortgage payment twice erroneously on XXXX and XXXX. I called daily for a week with no resolution aside from being told " refund is in process ''. 
Called Friday, XX/XX/year> and asked to speak to a manager. He was investigating why we had not received our refund yet ( of {$5000.00} ) as it was taking longer than typical. He said he would call back by XXXX that day. No call received. I then reached out to my loan officer to try to expedite the issue. His group reached out to management, and I was told check was being sent that day ( Friday, XX/XX/year> ). 
I call again today to find out when we would get this check. Told it would take 7-10 business days.

So many issues with this. 1 ) How can a mortgage company directly ACH from our bank account yet not give the money back electronically? 2 ) I was getting no follow up responses.3 ) Our bank account is now significantly lower with other large payments due. 4 ) The mortgage company should be responsible for our account now going on 2 weeks of no interest accruing either.

Any advice or assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
The Indigo Platinum Mastercard is issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX serviced by Concora Credit Inc. XXXX XXXX XXXX, CA Collection Agency License XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not available in the authenticated user session for current accounts, or on the website. 
They force the consumer to submit a online form to request the terms in XXXX weeks via postal mail delivery. 
Per the law, they have to provide the terms to the end user on the cards website, or have them accessible by the consumer on the website for the end user to review : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( a ) IN GENERAL.Section 122 of the Truth and Lending Act ( 15 U.S.C. 1632 ) is amended by adding at the end the following new subsection : ( d ) ADDITIONAL ELECTRONIC DISCLOSURES. 
( XXXX ) POSTING AGREEMENTS.Each creditor shall establish and maintain an Internet site on which the creditor shall post the written agreement between the creditor and the consumer for each credit card account under an open-end consumer credit plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: VA

Complaint narrative:
I am trying to correct information on my Experian credit report, and I can't get through to talk to someone. I used the number given on the CFPB page to call them, and the initial prompts ask you to choose if you want to file a dispute. When you do, then it takes you to two different prompts- either to check for fraud or to order a copy of your credit report. There are no other options, they won't prompt you to a customer service representative, and If you choose one of the other options and try to get a customer service representative, it just takes you back to the beginning prompts. I don't understand how to dispute the credit reports that are on my file, and I don't have anyone to talk me through how to make sure I'm reading the report correctly and picking the correct credit reports on the record. They have this AI chat that's a beta version, and if I try to click on that, it just gives me a high latency pulsing gif that won't connect to even a bot. 

All I want is for someone to help me identify which of these credit accounts on my score are incorrect so I can correct them. They are not customer friendly, nor are they user friendly.

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 2024-06-17 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: TX

Complaint narrative:
On XX/XX/2024 I paid {$2900.00} ( what was owed on my loan at the time ) and received an email confirming payment was submitted from Mohela. 2 days later, the payment was detucted from my bank account. On XX/XX/XXXX, I received a notification that my servicer would be changing over, with no updates on the payment I paid. For about XXXX weeks I could not access my account with either servicer so had to wait to see if the payment was posted. Once the account information was moved over, I noticed the payment was not posted. I called Mohela and they stated that it can take up to 90 days for the payment to be processed. I have called every week to confirm the payment will be posted with the same blanket statement of the 90 days. We are coming up to the 90 day mark and still nothing reflects my payment. I have email Mohela twice, with the same statement to call them. But the last XXXX times I tried to call I was disconnected with no return call. I have also provided them proof of the withdrawal of my account and email verification with no support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Media Collections, Inc
State: GA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX XXXX XXXX  someone logged into my account and stole my funds and sent them to their bank account. I appealed and initially they said it was approved and to wait 3-4 business days. After waiting 4 days I call and they said it was denied and it went to the correct person. They have had my original and only bank info on file and can see it was changed and they still say it went to the correct person. I am a father of a XXXX XXXX XXXX girl and this is my rent money. I had to make massive adjustments to keep my family afloat because of this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2024-06-17 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: MS

Complaint narrative:
15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-06-17 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: FL

Complaint narrative:
XXXX XXXX I was notified by XXXX XXXX that i owed on an account that was opened without my knowledge. I am a victim of identity theft and my information have been exposed in XXXX data breaches. I am not sure who would do this so here is the ftc report attached to this complaint. The company XXXX Bank have been sending me threatning letters saying they have send the account into collections which i have demanded them to delete and there have been no resolution. This is causing my Credit to tank and has caused alot of stress and I need this fixed as sooossible.There is also inquiries that have been added to my credit that was not made on my behalf. here is a list of the inquiries : 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 2024-06-17 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: FL

Complaint narrative:
XXXX XXXX I was notified by XXXX XXXX  that i owed on an account that was opened without my knowledge. I am a victim of identity theft and my information have been exposed in XXXX data breaches. I am not sure who would do this so here is the ftc report attached to this complaint. The company XXXX XXXX have been sending me threatning letters saying they have send the account into collections which i have demanded them to delete and there have been no resolution. This is causing my Credit to tank and has caused alot of stress and I need this fixed as sooossible.There is also inquiries that have been added to my credit that was not made on my behalf. here is a list of the inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
Received letter notifying me of wage garnishments ( not working, I am retired ) and bank levies. 
XX/XX/XXXX They also placed a lien on a property I do not own. 

XX/XX/XXXX - In communications, they have insisted I owe this debt to XXXX- the debt is now owned by a collection company in concert with an attorney 's office.

Company response to consumer: Closed with explanation