vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report 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 non-monetary relief
Consumer complaint received 2023-10-23 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: AL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
My loans were approved for {$300.00} on the XXXX repayment plan upon consolidation in XXXX of 2023. With repayment approaching, I got a notice from MOHELA in XXXX that my payment amount was going to be {$500.00}. I called MOHELA who verbally took an application to fix it, and quoted me {$300.00}. On XX/XX/2023 I noticed on my MOHELA account that the form was listed as " denied '' I tried calling them but the wait time was over three hours. I called again on XX/XX/XXXX and they submitted a request to look into it, and told me they were placing a forbearance to cover the {$500.00} for this month since it was their error. I then got a letter stating it was denied for not meeting income requirements though I've confirmed on several levels that I do. I called again on XX/XX/XXXX but once again, after waiting two hours I could no longer wait. I called again today and spoke with someone who told me my request was pending but could not provide any information confirming why it was denied in the first place, other than reading the denial reason that was sent to me as " you do not meet the income requirements '' even though I do. She could not provide me any confidence that it would actually be approved or fixed this time. My forbearance still wasn't applied either so it is still showing due for {$500.00} which I can not afford. I will be missing this months payment due to their error. I asked to speak with a supervisor but after waiting an additional two hours, for a total of 3, I once again had to go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-23 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I purchased AMEX gift card from XXXX in XXXX, Illinois on XX/XX/23 @ XXXX XXXX. I have an electronic card activation receipt from the store. I called the number on the back of the card to activate my gift card. It informed me to wait 40 minutes or so before I could use it. When the time was allowed I proceeded to use XXXX to pay for an advanced purchase. The card was declined. I called XXXX and they said it was being declined by the issuing bank. So, I proceeded to call the number on the back of the card and was told at that time to wait 24 hours. So, I did. My balance at the time was exactly {$240.00}. The next day after my 24-hour, wait period, I attempted to pay for my purchase and it still declined it. So, I immediately contacted the number on the back of the card and as I spoke with a representative it was discovered that the card was compromised. During the same conversation, a dispute claim was filed. I was told I was going to receive an email for me to add any additional information but I never did. I called not once but twice to inquire about the email. I was told that it would take 5 business days to receive an email then during the second call, I was told to check my junk mail which I had. Lastly, was told that it would take 45 days to receive the email. As of today, I received an email denying my dispute. The company is assuming that I made these purchases outside of my city. I know banks deal with a lot of scammers but not everyone is. I feel offended that they just assumed this and were so quickly to dismiss my case. I know the gift card amount is not huge but for the average person struggling in this economy it is. I feel communication was handled poorly and the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report 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 non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This past XXXX ( XXXX ), I closed my credit card account with Bank of America ( BOFA ). While on this call, I asked the customer service representative when I could expect to receive my {$100.00} security deposit back. They informed me that I would receive my deposit back within 30-90 days. 

I waited approximately 90 days, and called BOFA again on XX/XX/XXXX. On this call I asked about the status of my {$100.00} security deposit. I was informed that I should have received the {$100.00} by check in XXXX of XXXX. I confirmed with the customer service rep that the address on file was correct. I was informed that the check had never been cashed. I was then told I would be receiving a new check within 5-7 days. 

By XX/XX/XXXX, I had still not received a check. I called customer service hotline again, and received a different answer. Customer service said that I should have received the original check in XXXX, not XXXX. Again, it had not been cashed. I was then told that I would be receiving the {$100.00} deposit to my checking account within 5 days. 

It is now XX/XX/XXXX, and I have still not received my {$100.00} security deposit back. 

It is very difficult to get ahold of a customer service representative, yet alone a representative who I can inquire to about my {$100.00} credit card security deposit. There is not an option in the call menu for this situation, and their AI phone menu does not recognize any key terms related to security deposit. I also did not receive a follow up email from the last two calls I had, which was slightly concerning 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 monetary relief
Consumer complaint received 2023-10-23 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: Byrider Franchising, LLC
State: IN

Complaint narrative:
all XXXX credit Bureaus have CNAC on my credit reports CNAC is also ByRyder that sells cars automobiles to people they did NOT repo my vehicle... .I called them after paying 2 and a half years on it the car which was a XXXX XXXX I asked them to come get it cuz they wouldnt make the car right and it had serious issues ever since the day we bought it and they tried making us pay for it all plus the payments a month on top of that CNAC agreed on the phone if I returned the XXXX vehicle and I did WILLING... NOT a repo///they agreed it would NOT be put on any of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report 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 non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Servion, Inc.
State: MT

Complaint narrative:
Payments are not being applied correctly. Principal only payments are being applied to future payments and charging interest. I have had to call or email for corrections repeatedly. Then late charges show up? Payment processing continues to be an issue almost 3 years later.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: MD

Complaint narrative:
On XX/XX/XXXX I received notification that there had been a hard inquiry from XXXX XXXX XXXX I received an email regarding the denial on XX/XX/XXXX so no account was opened. However I would like to request that the inquiry from XX/XX/XXXX be removed as I did not make this request. I have contacted the financial institution to advise this was a fraudulent request on 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 explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
{$500.00} was stolen from the cash app account I sent funds to on XX/XX/23 and my bank account was charged. Gave cash app the name of the person who did it, but Cash app says its nothing they can do. Bank cant help because the charge is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
A checking account was opened with an online bank. Chime is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXXXXXX. or XXXXXXXX XXXX XXXXXXXX. ; Members FDIC- this is a fraudulent account. Chime will not close the fraudulent account. No ID was used to confirm my identity yet they have an active account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already paid off my debt to XXXX, so I no longer owe him any money. Although I called XXXX and requested an update on my credit, they advised me to wait for about two weeks for the credit inquiry to be removed. I have diligently made all the necessary payments to XXXX XXXX, even though I was only late for one payment. However, despite my timely payments, my XXXX and equifax report still shows that I owe a debt, which should have been closed weeks ago according to XXXX. Additionally, every time I contact XXXX, they ask me to wait and now they are blaming XXXX for this issue. Unfortunately, this situation has negatively impacted my credit score, so I have decided not to borrow from XXXX anymore if this continues to be the case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
So last Tuesday XX/XX/2023 someone logged into my account and added XXXX recipients to my account and was able to XXXX {$1000.00} to someone else account. When i seen it on my account i called Wells Fargo. They created a fraud claim and only did an investigation for 3 days. I called and provided the police report number and other information that was needed to help with the claim. They didnt review any of the information that was sent and denied my claim. The reason they provided for denying the claim was because i had not changed my password and they feel like me or someone i know made the transfer. After me steady explaining to them that i didnt know the people and i filed the police report. And the police stated that Wells Fargo wont speak with them. Not they wont give me the money back i need assistance getting the money that was taken from me back. Can someone please help.

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 2023-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I had a small amount remaining on my existing mortgage with Mr. Cooper after making a number of larger additional payments. I simply wanted to make a final transfer to complete the loan. They refused to provide a final cost for the mortgage unless I paid a {$25.00} fee, or waited for a mailed quote that would have been out of date by the time it arrived. They could provide an estimate over the phone that actually was the true number, but refuse to accept a payment unless I paid {$25.00}. It's extortion. When I said I wanted to make the final payment the exact same way they accept the monthly payment and nearly 10 additional payments in the last year, they again refused to accept the funds. They insist it has to be via wire or certified check, meaning a much more difficult process, exposing a considerable of extra personal information and resulting in a {$30.00} fee to do a wire. This is after the first agent I talked to said I could make the final payment as I had the additional payments, but when I tried to it, they refused and forced the wire. This imposition of unnecessary, unwarranted fees is ridiculous. I want these monies returned and the policies of company changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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