vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo advertised a bonus of {$2500.00} to any customer who opened one of its " XXXX '' checking accounts and brought a total of at least {$250000.00} of " new deposits '' to Wells Fargo. I understood* that the CD I bought ( dated XXXX XXXX, 2023 ) could be counted as a " new deposit '', though it had obviously come from a CD which MATURED on XXXX XXXX. 
All my new CD 's -- -totaling {$250000.00} -- -were bought well within the date limitations on the bonus offer. 
Local bank employee ( XXXX XXXX, XXXX branch ) asserts that my latest CD did NOT qualify as a " new deposit '', because it obviously came from the previous CD, and would not count as a " new deposit ''. 
It was my understanding from a discussion on XXXX XXXX with a different employee ( XXXX XXXX XXXX who usually works in WF 's XXXX XXXXXXXX branch ) that if I bought a new CD -- -when the existing one MATURED on XXXX XXXX -- -it would count toward qualifying me for the bonus offer. 
*I dealt with XXXX XXXX on XXXX XXXX when I bought two CD 's and opened up the Premier checking account. 
When my last CD matured on XXXX XXXX, XXXX had automatically rolled it into a new CD -- -at a lower interest rate, of course -- -but I was well within the grace period for cancelling the new CD. 
I could have -- -and WOULD HAVE -- -taken the $ money from the CD which matured on the XXXX, across the street to another bank and then written a check on THAT bank.

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 2023-10-10 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

The derogatory and inaccurate comments left by the creditor are inconsistent. The 30, 60 & 90 days comments on all 3 credit reports are inconsistent and inaccurate. Also, the balance being reported to all 3 agencies are inconsistent and 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 2023-10-10 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: NJ

Complaint narrative:
There are inquiries on my credit report that dont belong to me at 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 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I want to switch to the XXXX plan. I can only get to a certain point in the process before I am told I must call in to them and can not complete the process online. I have been on calls longer than an hour hold only to be disconnected. I have sent multiple emails that note reply in XXXX business days ; its been weeks for each attempt. The chat line notes that it is inactive. There is no way to communicate with this company to accomplish what I need to do, which is to switch my repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/2023 my email and password was hacked. The thief used this email/password combination to attempt access to all my accounts ( social media, banks, etc ). I was alerted to this due to the multiple two factor authentication texts and emails I received in the morning. The thief was able to access my XXXX account and make purchases on XXXX. I immediately called Chase Bank to report fraud on the credit cards which were stored on my XXXX account and I was issued new cards. One month later, Chase sent me a letter saying I am responsible for these charges because " my email is associated with this XXXX account, thus I am responsible for these charges ''. They also said XXXX deemed it a valid transaction from my account despite me reporting it as fraudulent to Chase Bank immediately after the transaction occurred. I was able to get in touch with XXXX and they agreed to send me an email acknowledging it is an unauthorized transaction so I can dispute it with the bank but are unable to provide a refund because the system will not allow it. The Bank has pushed back and said they are unable to do anything because XXXX said it is " unauthorized '' not " fraud ''. I also provided two factor authentication emails I received from my social media accounts on the same date showing my accounts were hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX/DEPT OF XXXX # XXXXXXXX XXXX  # XXXX Closed Accounts : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XX/XX/2022 EQ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On Thursday, XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX XXXX. They checked my credit and provided a pre-approval. On Friday, XX/XX/XXXX around XXXX, I received the first solicitation phone call from a local mortgage broker stating that they saw that I was searching for a mortgage and would I like to apply with them. After determining the reason for the call, I told the representative that I wasnt interested and to remove me from their call list. No less than a minute a later, I received the second call from a different lender. Since XX/XX/XXXX, I have received almost 100 calls from lenders across the country. Besides being annoying, these incessant calls have completely disrupted my life. Calling from the time I awake until well past dinner time, the calls have interrupted my life including time with my family, a wedding reception, church and other moments that shouldnt be interrupted by someone whos trying to sell me something. Please provide advice on how to rectify this issue. I cant get my time back but Id like something to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NJ

Complaint narrative:
I'm trying to reach my loan servicer regarding my student loan but I can't seem to get through to them. I have emailed them through their portal and no one has responded to my email. I have tried calling them several times and the hold times are extremely long. Today I was on hold for a live agent for more than an hour and as the agent connected the only thing was able to provide the agent was the information to access my account, then the call disconnected. I tried to call back but the hold time were estimated at over 200 minutes. Before today, I used their call back feature only to have them call me back with no one on the line and the live chat has been down for weeks. I am not able to reach them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On Thursday, XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX XXXX. They checked my credit and provided a pre-approval. On Friday, XX/XX/XXXX around XXXX, I received the first solicitation phone call from a local mortgage broker stating that they saw that I was searching for a mortgage and would I like to apply with them. After determining the reason for the call, I told the representative that I wasnt interested and to remove me from their call list. No less than a minute a later, I received the second call from a different lender. Since XXXX XXXX, I have received almost 100 calls from lenders across the country. Besides being annoying, these incessant calls have completely disrupted my life. Calling from the time I awake until well past dinner time, the calls have interrupted my life including time with my family, a wedding reception, church and other moments that shouldnt be interrupted by someone whos trying to sell me something. Please provide advice on how to rectify this issue. I cant get my time back but Id like something to happen.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On Thursday, XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX XXXX. They checked my credit and provided a pre-approval. On Friday, XX/XX/XXXX around XXXX, I received the first solicitation phone call from a local mortgage broker stating that they saw that I was searching for a mortgage and would I like to apply with them. After determining the reason for the call, I told the representative that I wasnt interested and to remove me from their call list. No less than a minute a later, I received the second call from a different lender. Since XXXX XXXX, I have received almost 100 calls from lenders across the country. Besides being annoying, these incessant calls have completely disrupted my life. Calling from the time I awake until well past dinner time, the calls have interrupted my life including time with my family, a wedding reception, church and other moments that shouldnt be interrupted by someone whos trying to sell me something. Please provide advice on how to rectify this issue. I cant get my time back but Id like something to happen.

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 2023-10-10 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: DC

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-10 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:
I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.

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 2023-10-10 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: LA

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from HYUNDAI. Spoke with a Representative on XXXX XXXX, she also was not clear on amount owed. I have attached the Copy B receipt which reflects all balance taken care of and there is nothing owed for this account. 

HYUNDAI FINANCE needs to make the proper changes to reflect all collections are complete and update my credit file 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 2023-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Inquires on my credit report that I have no knowledge of and/or did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
The Mortgage Holder SPS Got My Mortgage From XXXX XXXX, XXXX XXXX  XXXX. The Present Company SPS Are Worse Than XXXX XXXX. I Lost My Business In 2020. Pandemic. Since Then It Has Been A Nightmare. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, The Balance On Loan Is Going No Where. Help Please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX/DEPT OF ED # XXXX XXXXE # XXXX Closed Accounts : XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XX/XX/2022 EQ 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 of 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 2023-10-10 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX/DEPT OF ED # XXXX XXXX  # XXXX Closed Accounts : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XX/XX/2022 EQ 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 of 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 2023-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
High interest rate from about XXXX ( purchased a vehicle in XXXX ) @ pretty low rate but it went up significantly right after that.

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