vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/2024 Wells Fargo said they sent the funds back to the sender in the amount of XXXX the merchant XXXX XXXX is saying that they don't have the funds and that the third party that used to send the funds XXXX doesn't either. They said XXXX  has the funds and they aren't going to get the funds to credit my account back and to reach out Wells Fargo in trying to get those funds back to them or however it will work. The funds are in limbo currently I don't know what to do. No one is helping 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 2024-04-03 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: PA

Complaint narrative:
My understanding is that FCRA 605B requires the elimination of any incorrect entries from my credit file. Would you mind reviewing the paperwork? Certain listed entries are inaccurate in terms of reporting, with incorrect amounts and dates noted.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Future Judgement Solutions
State: OH

Complaint narrative:
I received a call from FJS Global in regards to a XXXX XXXX credit card they say was opened in XXXX  and closed with a balance on it. I have no knowledge or recollection of this credit card, yet they are threatening litigation against me for more than the amount due. It has been XXXX  years so I know there is a statute of limitation on debt collection, yet they are aggressively pursuing me. They have threatened to garnish my wages and take my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2024-04-03 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:
Given my consistent track record of punctual payments on this account, it is unfair to have this inaccurate notation. I request an immediate adjustment to my account to accurately reflect the true history of my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Community Health Investment Company, LLC.
State: IN

Complaint narrative:
Professional Account Services , Inc has repeatedly contacted me via phone. I do not have the exact dates and times on hand. I can spend the time to get them if needed. I have asked them several times to send a verification of debt to address on file and not to contact me until this has been done. They have not sent the verification and continue to call over and over. During the last call I have answered on my cell phone, the representative failed to verify my identity, nor did she state that this was an attempt to collect a debt before blasting right into disclosing the debt, who it as with and who it was for. As of today, this same agent called my work phone number and asked the front desk to be transferred to my extension. She once again failed to verify my identity and failed to disclose that this was an attempt to collect a debt. I asked her to send me to a manager. When I asked her name, she refused to give it to me. A person named XXXX XXXX answered the transferred call. I explained this situation to him and told him it has been incredibly frustrating to deal with the harassing phone calls, refusal to verify the debt, and poor debt collection quality.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NC

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Incorrect Name - XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 or 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 data 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 explanation
Consumer complaint received 2024-04-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: LA

Complaint narrative:
This complaint is in response to TRANSUNION 'S claim per CFPB Complaint XXXX that was filed in XX/XX/2024 that the late payments were verified by XXXX  XXXX, when I in fact stated that I was not late on the XXXX  XXXX account number : XXXX. Please provide me the information on how you verified the late payments to be accurate with this specific account per 15 USC 1681i ( 7 ) ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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 2024-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2024 I arranged for a transfer of funds from Goldman Sachs/Marcus bank to XXXX XXXXXXXX XXXX XXXX I have done this more than a dozen times over the past couple of years without any issues. The transfer was approved on a recorded telephone line at Goldman Sachs. On XX/XX/2024 I logged on line to see the transfer was being processed and the website indicated it would be completed within 1-3 business days. On XX/XX/2024 I logged on to the website and the transfer had been reversed. I immediately called Goldman Sachs/Marcus , spoke to no less than six people, all on recorded lines, and no one could tell me why it was reversed and could not help restart the transfer. I then asked to close my account and was told that would take an additional 1-3 business days because my money was in " limbo ''. Not the kind of banking term I had ever heard of before. Consequently, I was forced to borrow the funds to cover the payment that was due the IRS to avoid penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 2 out of 3 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 : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, and so on.

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 2024-04-03 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: IN

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 2 out of 3 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 : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, and so on.

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 2024-04-03 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: IL

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened a 360 Savings account with Capitol One in XXXX. I made several transfers from my personal checking account with XXXX XXXX to my Capitol One XXXX. In XX/XX/XXXX my XXXX account was closed with no reason given. I called Capitol One on XX/XX/XXXX and was told that a check refunding my full account balance was mailed to my address. I advised I had not received a check. The agent verified my mailing address and said he would open a claim to issue me a new check. I called Capitol One on XX/XX/XXXX to advise I still had not received a check to return my money. The Capitol One agent advised me that a check was not issued but an electronic transfer was sent to the originating bank XXXX XXXX. I advised the agent that the money had not been returned to my account. She stated I would need to call XXXX XXXX. I spoke to XXXX XXXX who stated no money had been sent from Capitol One. I called Capitol One back and was advised that my funds were on hold for investigation. They refused to return my money or tell me what information they needed to as part of the investigation. They refused to call XXXX XXXX to verify my account. Capitol One has no seized my money for almost 60 days refusing to return my funds or tell me why they are investigating me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-03 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: NC

Complaint narrative:
XX/XX/XXXX applied for lowest XXXX plan with my requested income re-certification date which was listed as due by XX/XX/XXXX. This date was incorrect as Mohela had sent this out to many people, while the XXXX was saying people wouldn't need to recrtify until months later. They canceled this application with no explanation. 
XX/XX/XXXX applied for lowest XXXX plan with consolidation application as I thought my loans had already been consolidated, but it was only some of them, not all of them and I found out I had to apply for the consolidation before XX/XX/XXXX so I did the application which included the XXXX plan information as part of the consolidation application. This one also was canceled despite the consolidation itself being processed. 
XX/XX/XXXX XXXX then called in once I saw they put me on the LEVEL standard plan instead of an XXXX plan, and was told they weren't sure why but that because I had done the XXXX application with the consolidation ( as it was set up in their own system ), I would need to do a new XXXX application. The representative told me if a I did a forbearance until the XXXX plan was corrected, that the payment time would not count toward XXXX and interest would accrue, which doesnt seem right when it is their mistake or their not processing the XXXX plan request properly. I immediately got off the phone and submitted a new XXXX application to Mohela. I recieved no letter, no email, and no message regarding this application similar to the previous ones. 
XX/XX/XXXX I called them again due to loggin in to see that the XXXX application done on XX/XX/XXXX with NO explanation, or communication was cancelled again! Was on hold for XXXX min before got a rep. That rep told me that even though it says canceled online, on his end it shows it processed today at XXXX and that no official correspondence has been sent yet since it was just done. He told me my expected payment on XXXX plan was XXXX, and that would start in XXXX for payments. I asked what about the {$490.00} payment due XXXX that should have been an XXXX payment, not a LEVEL. I said with the Level, it wont count on the XXXX, and that when I did the consolidation I asked to be put on an XXXX plan. He said that their stuff usually defaults to the Level plans at times and that yes, I could possibly do a forbearance temporarily but that wouldnt count toward the payments either. I told him I can not afford the {$490.00} payment, hence the XXXX plan application. He said he could put me through to an advanced rep who may be able to help with other options to do for the XXXX payment. I said great, yes I would like to be put through. I was then on hold again for XXXX hours, and counting with no one answering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: CA

Complaint narrative:
The late payment showing on this account from XXXX of XXXX is completely inaccurate. I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.

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 2024-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I filed a formal complaint about this loan servicer company deciding to arbitrarily put my account into forbearance after I submitted a claim to the department of education to have the remainder of this loan discharged due to misleading statements about the school for which the loan was taken out to pay for. 

In response, the loan company flippantly pointed out some sort of statement mentioning the President Joe Biden, and then just essentially stated that they can not or rather will not remove the accrued interest without providing an explanation as to legally why they are able to do this or why they will not remove the accrued interest, other than the obvious fact that would mean them not being able to demand as much money from me as they can possibly get away with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Given my consistent track record of punctual payments on this account, it is unfair to have this inaccurate notation. I request an immediate adjustment to my account to accurately reflect the true history of my payments.

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 2024-04-03 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have no knowledge of these hard inquiry on my credit report and these hard inquiries are results of identify theft and it must be removed no later than 4 business day as per 15 U.S 1681 C-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Someone got hold of my information and took out loans in my name, I have no idea about this loans came about, its unfair to w

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