vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: DISCOVER BANK
State: SC

Complaint narrative:
I had done business with a company earlier in the year and the company charged me at a later time for items we had discussed but never authorized to charge. Credit card company ( Discover ) says that if at any point you did transactions with the company that it can not be considered fraud because you have given a company your credit card info prior for prior transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report 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 2024-03-06 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: FL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report 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 non-monetary relief
Consumer complaint received 2024-03-06 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, was XXXX unauthorized Inquiries in my credit report opend on XXXX XX/XX/2022 and XXXX XX/XX/2022 and i dont recognize as mine. 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

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 2024-03-06 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: CA

Complaint narrative:
I applied to enroll in the SAVE repayment plan in XX/XX/XXXX, and then XX/XX/XXXX, but both are still processing. That's 7 months of possible interest savings that I have missed out on. 

Communication sent asking what's happening to my application was never responded to, this was in XX/XX/XXXX. 

Calling is impossible, I can't get a rep on the phone. 

The SAVE plan would theoretically lower the interest I am paying so this is a huge deal to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union are in violation of sections 1053 and 1055 of the Consumer Financial Protection Act, 12 U.S.C. 5563 and 5565 and section 1036 ( a ) ( 1 ) ( B ) of the Consumer Financial Protection Act and 12 U.S.C. 5536 ( a ) ( B ) that prohibits unfair, deceptive or abusive acts or practices. According to FILE NUMBER XXXX ( with the CFPB ) under sections 1053 1055 of the CFPA. 12 U.S.C. 5531 and 5536, Navy Federal was ordered to cease and desist from engaging in any unfair act or practice involving restricting a consumers electronic account access when the consumer is delinquent or overdrawn on any navy federal credit union account. 

Navy Federal Credit Union has continually violated my consumer rights per the Consumer Financial Protection Act. Navy Federal Credit Union has unfairly restricted my electronic access, blocking my debit card usage and online account functions. This restriction is a direct result of having missed payments on my business credit card and personal credit card according to the Navy Federal Credit Union. 

Navy Federal Credit Union transferred those funds electronically towards my Business Credit Card. The amount transferred was {$300.00} dollars to cover an unpaid balance of roughly {$700.00} dollars on a closed business credit card account. Navy Federal Credit Unions actions caused my personal checking account to go negative in the sum of {$58.00}. When I called to speak with multiple Navy Federal representatives, they said they would not reverse the transfer and I will be responsible for the overdraft and all fees associated with the overdraft daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX a wire transfer was made from my checking account in the amount of {$1000.00} the transfer reference # XXXX plus XXXX charge fee using XXXX XXXX  XXXX to Wells Fargo Bank account holder the wire transfer at my request I had a swift recall by my bank the same day it was sent that charged me another additonal XXXX to cancell the entire money transfer transaction. On XXXX XXXX I still had not received my money back. I inquired with the XXXX XXXX XXXXXXXX to see why my money was not returned So an agent from XXXX called the wire department and said that Wells Fargo told Him that the XXXX refused to refund my money, I ask XXXX rep who is the XXXX they said they did not know even though they had all the necessary information to find out who it was. I went back to the bank again the following day to request my refund this was my XXXX attempt, the same procedure they called the wire department and Wells Fargo replied the same thing that the XXXX refused to return or reimburse the funds, at this point I was very upset with my Bank XXXX for not being able to get my money back and Wells Fargo for denying the XXXX XXXX that was conducted originally on/or XX/XX/XXXX. I did research of my own and found out that XXXX XXXX XXXX of the XXXX had my money so I called them for a total refund they agreed to send back the money. so on XX/XX/XXXX I received a wire transfer and the amount deposited in my account was only {$980.00} a XXXX shortage unlawfully taken, Where by I am requesting the full amount owed, I have spent multiple hours of my time to get a refund I should have received without any form of complication but because Wells Fargo was involved unecessary complications and intentional negligence came into existence, THIS IS A FORM OF FRAUD AND SHOULD BE CONFRONTED AND RESOLVED. It is unfortunate that Banks can not be trusted with your money

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

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 : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 : XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Account Number : 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 2024-03-06 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: FL

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX, was XXXX unauthorized Inquiries in my credit report opend on XXXX XX/XX/2022 and XXXX XX/XX/2022 and i dont recognize as mine. 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

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 2024-03-06 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: NC

Complaint narrative:
I LOST MY PURSE IN A NIGHTCLUB THAT INCLUDED MY PERSONAL INFORMATION. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NO AFFILAITION WITH OR KNOWLEDGE OF. I HAVE NOT AUTHORIZED ANY OF THE ACCOUNTS AND/OR TRANSACTIONS. I ALSO SEE CREDIT INQUIRIES FROM XXXX AND XXXX XXXX. 
I CONTACTED THE CREDIT BUREAUS AND ALERTED THEM OF THESE ACCOUNTS WITH NO FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IS IN VIOLATION OF XXXX XXXX XXXX FURTHERMORE, FURNISHING INFORMATION TO MY PROFILE RESULTING IN IDENITY THEFT IS IN VIOLATION OF 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 2024-03-06 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: NC

Complaint narrative:
I LOST MY PURSE IN A NIGHTCLUB THAT INCLUDED MY PERSONAL INFORMATION. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NO AFFILAITION WITH OR KNOWLEDGE OF. I HAVE NOT AUTHORIZED ANY OF THE ACCOUNTS AND/OR TRANSACTIONS. I ALSO SEE CREDIT INQUIRIES FROM XXXX AND XXXX XXXX. 
I CONTACTED THE CREDIT BUREAUS AND ALERTED THEM OF THESE ACCOUNTS WITH NO FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IS IN VIOLATION OF XXXX XXXX XXXX FURTHERMORE, FURNISHING INFORMATION TO MY PROFILE RESULTING IN IDENITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I lost my XXXX  job in XXXX of XXXX, I contacted Shellpoint Mortgage about the forbearance they sent me the paperwork, and on XX/XX/XXXX I sent in my paperwork for forbearance. I was given a point person to work with. In XXXX, I got an XXXX  job and was ready to start paying again. On XX/XX/XXXX I received a letter stating that Shellpoint Mortgage Servicing had reviewed my request for loan modification and was unable to complete it because they did not receive all of the required paperwork. In XXXX I was assigned a new point of contact and had to start the process all over again. At the beginning of XX/XX/XXXX, I was given a new point of contact and again the process had to be restarted. After sending in the documents multiple times. I received a letter on XX/XX/XXXX stating that my response package is considered incomplete. Documents due XX/XX/XXXX ... During the evaluation process, your property will not be referred to foreclosure. on XX/XX/XXXX I received a notice of trustees sale. The house was now in foreclosure. Again, filed for a forbearance, and again uploaded the same docs into their system. I did finally get a forbearance in XX/XX/XXXX for XXXX months and the foreclosure was stopped. I got a second job at this time so I could pay off what I owed them, but I was locked out of my account and could not pay until a repayment plan was issued, and had to file more paperwork for that. In XX/XX/XXXX, I lost both of my jobs. On XX/XX/XXXX, I was notified that I'm eligible for repayment with {$5000.00} down and a monthly payment of {$7100.00} due on XX/XX/XXXX. I also received a letter that same day that my house was in foreclosure and that the sale would be conducted on XX/XX/XXXX. I hired a lawyer who temporarily stopped the foreclosure. Now I owe the lawyer and the mortgage company and have been feverishly looking for full-time work. I tried getting a loan, but since my credit is shot from foreclosure, no one will loan me the money. There is plenty of equity in the house, but the mortgage company won't refinance the house to cover the missing payments. This would solve all the problems. Does anyone have advice on what my options are?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have paid on my mortgage for XXXX yrs without issues. I never had an escrow account. I owe $ XXXX on my loan. My home is worth over $ XXXX. Freedom Mortgage bank paid my property taxes for XXXX in XXXX of XXXX. I was going to pay them late in XXXX. The bank placed me on escrow stating they were protecting my home from XXXX XXXX having XXXX on my home. In the XXXX this is the first time in escrow. They refuse to release me from escrow. I had refinanced with XXXX XXXX XXXX, no longer in business, then XXXX XXXX  who bought the loan, then XXXX XXXX and now XXXX XXXX. I was told that there was a stipulation in my original loan that stated if I defaulted in paying property taxes, I would be placed on escrow. I never signed a contract with the banks that took over my loan. I paid my property taxes for XXXX. XXXX XXXX  submitted payment that was not cashed and they stated they are waiting on their refund check from XXXX XXXX. They already verified their payment not cash. Meanwhile Im having to pay {$2300.00} so I wont default on my loan. I am retired and on fixed income, over XXXX old. I will now be able to pay property taxes without interest on XXXX equal payents. I am currently paying XXXX times what I normally pay on my mortgage. My mortgage is {$810.00} but now being charged {$2300.00} a month. What this bank is doing is wrong.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 : XXXX  Date of inquiry : XX/XX/year>

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: V and H Portfolio
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2024-03-06 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: MI

Complaint narrative:
Account name, XXXX XXXX XXXXXXXX XXXX Delete or remove account for inaccuracy. XXXX XXXX not listed on Equifax or XXXX credit report. XXXX reports original balance {$27000.00}. Equifax reports the original balance as not identified. XXXX doesnt list the last payment date. Equifax doesnt list the last payment date. Without a last payment date there is no way to determine an accurate fall off date. This is a violation of inaccuracy. Delete the account. XXXX reports status as closed, {$28.00}, XXXX written off. Equifax reports status as charge-off with no amount listed. This is inaccurate reporting data. Delete the account from my credit report. XXXX reports balance updated XX/XX/XXXX. Equifax reports balance updated XX/XX/XXXX. Inaccurate reporting data, delete account immediately.

Company response to consumer: Closed with non-monetary relief