vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was going over my Credit Report when I noticed unauthorized marks and I want them removed. 

XXXX, TransUnion & XXXX ( XXXX XXXX  XXXX ) Balance {$6300.00} XX/XX/XXXX, ( XXXX XXXX XXXX ) {$540.00} XX/XX/XXXX, ( XXXX XXXX ) {$8800.00} XX/XX/XXXX, ( XXXX XXXX XXXX ) {$42000.00} XX/XX/XXXX, ( XXXX XXXX XXXXXXXX XXXX ) {$150000.00} XX/XX/XXXX, ( XXXX & XXXX XXXX {$530.00} XX/XX/XXXX, ( XXXX XXXX XXXX ) {$540.00} XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX  ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Finance Companies XX/XX/XXXX, ( XXXX  XXXX ) Automobile Dealers 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was going over my Credit Report when I noticed unauthorized marks and I want them removed. 

XXXX, XXXX & Equifax ( XXXX XXXXXXXX XXXX ) Balance {$6300.00} XX/XX/XXXX, ( XXXXXXXX XXXX XXXX ) {$540.00} XX/XX/XXXX, ( XXXX XXXX ) {$8800.00} XX/XX/XXXX, ( XXXX XXXX XXXX ) {$42000.00} XX/XX/XXXX, ( XXXX XXXX XXXXXXXX XXXX  ) {$150000.00} XX/XX/XXXX, ( XXXXXXXX XXXX XXXXXXXX XXXX {$530.00} XX/XX/XXXX, ( XXXX XXXX XXXX ) {$540.00} XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Finance Companies XX/XX/XXXX, ( XXXX XXXXXXXX ) Automobile Dealers XX/XX/XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
The Company in question is Barclays ( Aviator Red Mastercard ), and I have been a customer of them for just a few years. After going out on disability in XX/XX/XXXX and not being released until XX/XX/XXXX, I made payments to Barclays on time and as agreed. However, fast forward to today, XX/XX/XXXX, I have depleted my 401K, IRA, and my savings. Thus, my last payment to Barclays was on XX/XX/XXXX as I currently have no income coming in, and I need the little that I have left to cover my doctor visits and medication for health conditions covered under the Americans with Disabilities Act ( ADA ). I called them when I received my XXXX bill, letting them know that I could not afford to make payments for the reasons I mentioned in this complaint. I have attached what they told me, and please keep in mind that they would only give me an option to settle this once I defaulted, which I believe violates the Fair Credit Reporting Act. The reason is that they wanted me to wait ( and I quote ) until I was on default to make payment arrangements ( although I was being proactive and trying to find temporary help to avoid impact to my credit, which has been immaculate ). As a result, my credit report has been negatively impacted and decreased from having an " exceptional '' credit rating to a " fair '' credit rating, as a result of Barclays and their inability to work with me before default, which I believe is unfair, violates my rights under FCRA, and gives them a horrible reputation taking into account my current situation both financially and healthwise.

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 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: WA

Complaint narrative:
Date : XX/XX/XXXX Mohela- XXXX XXXX XXXX MOHELA XXXX Missouri Higher Education Loan Authority MOHELA Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Re : Request for Partial Refund and Recalculation of Student Loans Pursuant to PSLF and IDR Plan Dear Mohela- Fed Loan Servicing I trust this letter finds you well. I am writing to formally communicate my persistent attempts to contact MOHELA with regard to obtaining a partial refund for a withdrawal dated XX/XX/XXXX, and the recalibration of my student loan obligations going forward. Kindly acknowledge this correspondence as a representation of my formal request. 

Over the course of the past three to four weeks, I have engaged in three distinct dialogues with various MOHELA representatives concerning the recalibration of my student loans in accordance with the Public Service Loan Forgiveness ( PSLF ) program and my pending Income-Driven Repayment ( IDR ) Plan Request. It is imperative to note that my professional occupation as an educator does not yield a substantial income, rendering the current monthly installment of {$780.00} untenable for me. 

During each of the aforementioned conversations, all MOHELA representatives verbally assured me that the recalibration of my repayment plan would be completed before the scheduled debit of my auto-debit account on XX/XX/XXXX. Specifically, the recalculated monthly installment was supposed to be modified from {$780.00} to {$200.00}. Regrettably, upon reviewing my bank account today ( XX/XX/XXXX ), I ascertained that my IDR plan remained unaltered at the amount of {$780.00}, which necessitates an immediate partial refund of {$570.00} to be credited to my bank account. Furthermore, I insist upon the recalibration of my IDR plan to reflect a monthly payment of {$200.00} moving forward before my next payment on XX/XX/XXXX. 

I implore you to expedite a response to this correspondence to facilitate the resolution of this pressing matter. I am currently constrained by the financial burden imposed by the existing monthly payment, and it is incumbent upon MOHELA to rectify this situation promptly. In the event that these issues remain unaddressed within a reasonable timeframe, I must regrettably consider engaging legal representation to safeguard my rights and interests. 

I appreciate your understanding of the urgency of this matter and kindly request a prompt resolution. I am prepared to cooperate fully with any necessary documentation or information required to expedite this process. 

Sincerely, Anonymous Student Loan Borrower

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
informed them that they sent a card that wasn't applied for on XX/XX/2023. they said to call a credit agency, so that was tried and i decided to take this route after that company XXXX XXXX said to take it up with the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-24 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: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK
State: CA

Complaint narrative:
My taxes went down in my county and my house Insurance went down also, yet the mortgage company increased my monthly payments. 
Also, my home Insurance is only XXXX I would rather pay that lump sum. Im not sure what amount the lender has I called several times and no one seems to know. They are saying if its wrong its in an escrow account. I havent seen such escrow account and why not put the Insurance and taxes at the correct amounts? I would appreciate clarification. 

Thank you 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 2023-10-24 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: SC

Complaint narrative:
On XX/XX/23 I noticed information being furnished on my consumer report regarding utilization and late payments. I have reached out to the creditor and the reporting agency, regarding the inaccuracies and unfairness. I requested that the late payments and utilization to be deleted due to privacy. The information being furnished on experiences and transactions are supposed to be excluded from consumer reports. Consumer reporting agencies are supposed to report accurately by the guidelines given in the fcra and they are not doing 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 2023-10-24 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: CA

Complaint narrative:
i am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX XXXX late payment XXXX, XXXX of 2022. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to 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 explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XX/XX/2023, my husband ( on our behalf ) completed a remittance transfer request at our local First National Bank of PA branch in XXXX, XXXX. The transfer was from our First National Bank of PA account to our XXXX XXXX XXXX account in XXXX, XXXX. We have completed remittance transfers, including to the same bank in XXXX, with them in the past with no issues. I was listed as the beneficiary ; my husband as the sender. On XX/XX/XXXX, given that the disclosure agreement lists XX/XX/XXXX as the delivery date ( with if not sooner in parentheses ), we began asking XXXX why our transfer had not arrived -- we've never had a remittance transfer arrive more than XXXX days later. Despite a wire research initiated on XX/XX/XXXX at our request, which showed an error between XXXX of the intermediary banks, and a wire recall requested on XX/XX/XXXX, we still do not know why our funds were not delivered or where they are. We have been in constant communication with our local branch and a regional branch of FNB of PA, but we are unable to get information from the intermediary banks, our bank in XXXX is not able to locate the wire, and we are unable to speak directly with the wire room at FNB of PA. FNB of PA claims it has done all it can, but we are missing {$15000.00}. Given all this, we are asking for outside intervention to get our remittance transfer refunded and returned to our FNB of PA checking account from which it was debited on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to file a formal complaint against Citibank related to a bonus XXXX XXXX miles offer that I received and enrolled in. The purpose of this complaint is to seek your assistance in resolving an issue concerning the fulfillment of this promotional offer, as detailed below. 

On XX/XX/2023, I received an email offer from Citibank, which stated that as a valued Cardmember with my Citi / XXXX XXXXXXXX card, I was eligible to receive bonus XXXX XXXX XXXX  miles for opening a new eligible checking account. The email clearly outlined the requirements to earn the bonus miles, with an expected posting time of 30 days after completing the required activities. 

I enrolled in the offer by following the instructions in the email and received a confirmation email on XX/XX/2023, acknowledging my enrollment. I successfully completed the required activities by depositing {$1000.00} in XXXX qualifying deposits and making XXXX qualifying pin-based purchases totaling {$1000.00} on XX/XX/2023, which should qualify me for the highest bonus of XXXX XXXX XXXX XXXX XXXX 

However, despite the email stating that the miles would post within 30 days, they have not been credited to my account as of today 's date. I contacted Citibank on XX/XX/2023, and was informed that I met the criteria of the promotion, however, the miles would take 90 days from the account open date to post, contrary to what was stated in the original email offer. 

I contacted Citibank again on XX/XX/2023, and was told that the promotion code XXXX was not associated with my account. I was requested to provide a copy of the promotion that was sent to me. I promptly faxed in the requested documentation. However, as of today, XX/XX/2023, I have been informed that it could take an additional 30 days for resolution, and there is no guarantee that the miles will be credited to my account. 

This situation has caused significant frustration and inconvenience. I believe Citibank 's actions are misleading and unfair, as the terms of the offer were clearly defined in the initial email communication. 

I kindly request that the CFPB investigate this matter to ensure Citibank fulfills its offer in accordance with the original terms and that customers are not subjected to inconsistent information and extended delays in receiving promised benefits. 

I appreciate your attention to this issue and look forward to a prompt resolution.

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 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was looking for puppies for my kids and contacted a puppy breeder on XXXX XX/XX/XXXX. We discussed a bit, her name is XXXX XXXX said her husbands name is XXXX XXXX and they live at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Email addresses are XXXX and XXXX. 

I sent a deposit of {$350.00} on XX/XX/XXXX and then was blocked from all communications with puppy breeder I reached out to my bank immediately to cancel the transaction that was placed using XXXX  through the bank app. After a little over a week I received a letter stating that my claim was denied and no error was found. I called my bank to get more information and the lady on the phone stated that the contacted XXXX and determined that no error was made and no refund can be done. 

I used a family members account to locate puppy breeder and once figuring out it was me, puppy breeder refused to refund my amount and then blocked my family member so I lost all communication again.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wallet was stolen in XX/XX/2023. The criminal tried to use my Citibank Visa XXXX at XXXX. I called Citibank immediately to report the stolen card, and answered a text from them not to let the charge go through because it was fraud. Citibank went into investigation, and denied my claim, saying I owe them the charge of {$2200.00}. I asked them twice to re-open the case, sending them what they asked for ( my driver 's license and a screen shot of the text ). They are no longer responding, but are now sending me past-due notices and threat of collection.

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 2023-10-24 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: TX

Complaint narrative:
Equifax refuse to provide original documents to XXXX XXXX collection account for XXXX XXXX XXXX- I have never had a XXXX XXXX account. And im sure this account is past the Statue of Limitations for the State of Texas

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need help from the Consumer Reporting Agencies in resolving my issues concerning these invalid entries that were placed on my credit report. I want to fix this one and for all.

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 2023-10-24 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: PA

Complaint narrative:
I need help from the Consumer Reporting Agencies in resolving my issues concerning these invalid entries that were placed on my credit report. I want to fix this one and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Received 2 letters in mail from credit card companies stating my application was denied. Wells Fargo on XXXX for a credit card. Second was XXXX for a personal loan on XXXX. I also received two phone calls from XXXX first on XXXX, second call on XXXX. I returned the call and they stated my card application was denied. I told XXXX that I did not apply for a card. XXXX verified some information from the application, the name was correct and address was correct. Phone number was incorrect and last digits of driver licenses was incorrect. XXXX phone number was XXXX reference to XXXX. One person was XXXX and second caller was 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