vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, {$420.00} was removed from my bank account without any notice. Im in a forbearance due to being a part time law student. There was no notice sent to me letting me know that they needed information from me about my enrollment. I had filed a deferment form with XXXX in XXXX of XXXX  that was good for 36 months and was approved. There was no communication with me about them taking me off forbearance. Without notice they over drafted my bank account and took all the money I had in bank account which is use to get by week to week. Im trying to get them to refund this money but that has not happened despite my request that this be expedited because it was there mistake. Id be filing the complaint regardless because of the lack of notice and the removal of all the money in my account and the subsequent over draft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NV

Complaint narrative:
XXXX, XXXX, Tranunion. Are reporting inquirie on my credit report XXXX XX/XX/2023

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 2023-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
XX/XX/2023 Dear Sir or Madam : I have two ( 2 ) bank accounts and one ( 1 ) investment account at the company known as Ally Bank, NA and Ally Investments , Inc. located in, among other geographic locations, XXXX, North Carolina. Moments ago, in trying to log into my account at Ally Bank and whose website is https : //www.ally.com, Ally Bank is now preventing me from being able to log into my account to make investments, to view and/or to administer my investments and to view and/or to administer my checking and savings accounts. In sum, the Subject, Ally Bank, is criminally obstructing me from accessing my accounts and my investments at Ally Bank due to Subject Ally Bank and/or Subject Ally Investments , Inc. , placing an intervening web page between me and my account summary page the absence of which would have enabled me to view my account ( s ) online, to administer my accounts online, and/or to make investments, but for the intentional, purposeful, arbitrary, and poorly placed impediment and/or obstruction created by the Subject, Ally Bank, and/or the related Subject , Ally Investments. The disruptive, obstructing, unlawfully intervening and problematic web page introduced by the Subject ( s ) has and is giving me absolutely no lawful option but to force me to comply with Subjects ' forcible demand that I acquiesce to Subject bank 's amended contract terms '' without Subject ( s ) provided any means to delay and/or negotiate their, the Subject ( s ) ', amended terms. As a direct result of the arbitrary, capricious, malevolent, and criminal obstruction of my formerly online access to my bank accounts and my investment accounts by the Subject ( s ), Ally Bank and/or Ally Investments, the Subject ( s ) are intentionally, willfully, maliciously, and malevolently preventing me from both trading using my investment account and administering my savings and checking accounts. As a result, this/these Subject ( s ) are engaging in a pattern and practice of embezzlement. The Subject Ally Bank had been contacted and is refusing to enable me to access any of my three ( 3 ) accounts. Subject Ally Bank is, has, and continues to criminally impede and obstruct my former access to my three ( 3 ) accounts such that I have neither been able to trade nor to administer any of my three accounts since XX/XX/2023.

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 2023-11-14 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: TX

Complaint narrative:
I went to look at my credit report and saw accounts i did not recognize.

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 2023-11-14 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: TX

Complaint narrative:
I went to look at my credit report and saw accounts i did not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2023-11-14 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: OH

Complaint narrative:
XXXX is reporting 4 delinquencies on my report when I am on a payment plan. I have reported them to the credit bureaus for this misinformation whereas one the credit bureau closed the acct. XXXX is definitely reporting is false information. I am filing a complaint for malpractices against the company for falsifying information that is damaging to my credit. My acct balance shows that any of my payments is being adjusted to balanced owed.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
Hello Im XXXX XXXX i recently tried to resolved this issue on my account I purchased a XXXX XXXX on XX/XX/22 From XXXX ever since then I have had a charged for a XXXX  XXXX for the same day of my purchase on my credit report I have proof that I purchased my XXXX XXXX but I never bought a XXXX  I need this inaccurate info removed from my account please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
In 2018 I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXX XXXX XXXX XXXX/ and XXXX XXXX XXXX XXXX  . Also Paragon Revenue is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXX, nc XXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received a target credit card in the mail on XX/XX/2023 without my knowledge of this card being opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2023 I sent a letter to transunion ask them to provide proof of where the bankruptcy was provide.

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 2023-11-14 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
In 2018 I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXX XXXX apartment investors/ and Fair XXXX XXXX XXXX XXXX Also XXXX XXXX is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXX, nc XXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a phone call from a gentleman who I later found out had spoofed US Bank 's customer service number, and he pretended to be someone who worked in the XXXX XXXX XXXX department. He told me that they noticed two charges in Florida at an XXXX store and a XXXX and wanted to see if those charges were by me. I do not live in Florida, so I told him those were not me. He proceeded to say that they could get those stopped, and just needed to send me a two step verification code to ensure I was the account holder. I did not give them any personal information, I simply read the code back to them which gave them access to my bank account, which they then locked me out of. 

On XXXX XXXXXX/XX/XXXX, the scammers called me again and said there had been two wire transfers out of my account and they were looking into it. They completed a $ XXXX wire transfer from my checking, and used my credit card to put a cash advance into my checking so they could take a second wire transfer of {$3700.00}. 

When I hadn't heard any updates by XX/XX/XXXX, I called in to US Bank, which is when they informed me the person I had been talking to the entire time did not actually work for US Bank. In all, I did not authorize the wire transfers to be taken out of my account and at this point the money was gone. 

I filed a claim with US Bank the night of XX/XX/XXXX and the claim officially went on the record the morning of XX/XX/XXXX. US Bank send me a letter XX/XX/XXXX saying that they tried to recoup the total of {$13000.00} from XXXX Bank where the money was transferred, but XXXX was not able to return the funds. Due to this, US Bank said I am out of luck and will not be getting my money back. This outcome is completely unacceptable as I DID NOT authorize these funds to be taken, and I am doing everything in my power to get my money back. The amount of time and stress this ordeal has caused seems to be endless, and I feel stupid for even answering the original call. For anyone else reading this - if your bank ever calls you hang up and call them back to ensure it is real!!

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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a 0 % balance transfer with my Citi Bank credit card coming due XX/XX/XXXX, with a {$7000.00}, balance. I also had a {$5000.00}, balance transfer, due XX/XX/XXXX, for which I paid a 3 % fee ( {$150.00} ), and it was for 1 % interest until the balance was due. 

I paid {$7000.00}, on XX/XX/XXXX, to pay off the first balance transfer, which would have converted to 29.9 % interest. I had a balance due of {$4000.00}, on the second balance transfer at 1 %, due in XXXX of XXXX. 

Citi applied the {$7000.00}, payment to the second balance transfer, which left me a balance on the first balance transfer of approx. {$4000.00}, and then began charging me 29.9 % on that balance, instead of the 1 % rate that I had paid for until XXXX of XXXX. 

I called Citi on XX/XX/XXXX, and explained the situation. I was told that a request would be made to re-allocate the {$7000.00} payment to the first balance transfer, and that my interest paid would be refunded. However, I was told that this had to be approved and in the meantime I should continue to pay the minimum due which included interest at the rate of 29.9 %. 

Citi claims that payments are applied to the highest interest rate balance, so they were justified because at the time my {$7000.00} payment was received, the 1 % balance transfer was higher than the 0 % balance transfer that was ending in a few days. This is a scam. I paid for a 1 % rate until XX/XX/XXXX ( on the remaining balance ). They kept the {$150.00} charge, denied me the rate until XXXX of XXXX that I paid for, and are charging me {$70.00} a month in interest at the rate of 29.9 %. 

Now after waiting 10 days for an answer, they tell me it can take up to 30 days, and no guarantee on the outcome. This practice should be illegal.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I filed a previous complaint and your agency did nothing to address the issue except to close the complaint after a form letter that was sent to you about the loan. On XX/XX/XXXX applied through the Department of Education for the XXXX program. Called Nelnet on XX/XX/XXXX ( XXXX hours on hold ) and they said they didn't get it ( conveniently either Dept of Ed is negligent or nelnet but most likely both ). Took my time to give the rep all the tax info and uploaded it to the site while on the phone with the rep, and she said I was verbally approved for Save and would be put in the program within 10 days. Never happened. Called again in XXXX, another XXXX hours on hold, and was told they were waiting for my tax form, when I informed them it's already on their site and I could see it. Was told that it would be approved. Filed complaints. I received an email on XX/XX/XXXX stating that my request has been approved and to give them 10 days for it to apply. Gave them 10 days was never applied. Received an email on XX/XX/XXXX stating that I am now in forbearance with the interest that continues to accrue. Received another email on XX/XX/XXXX stating I need to pay them {$5.00} for the income based plan to happen. Why am i paying this fee when they are already collecting hundreds of dollars in interest that should not be accruing due to my application on XX/XX/XXXX and XX/XX/XXXX. Nelnet has a vested interest in dragging their feet to approve plans since they are gaining profit from the interest people are paying. The interest needs to stop accruing until this plan is implemented. I have done everything requested they have not. I should have the option of choosing my loan service provider because I would not choose Nelnet. Look all over the internet about their issues. They should not be allowed to stay in business and your agency should not just close complaints with absolutely nothing being resolved. I will be calling Nelnet again on XX/XX/XXXX and will probably be on hold for hours again. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
Trying to use WISE to get friends to send me money from XXXX  to reimburse me for tickets I purchased for a future trip, and once again WISE makes the process extremely difficult. One friend successfully transferred some money, after two attempts and a bunch of hurdles. The other friend is still trying, the first time the transfer was canceled and the amount minus some costs was refunded. The second time he thought the transfer was successful and sent me an email saying so. When I checked my WISE account the transfer was flagged with an exclamation point and when I clicked on it a page with a button to complete verification appeared. I clicked on the button and was greeted by an error page. 
I called customer service and was told my friend needed to call them for some verification. 
My friend didn't get any warning, email, or messages whatsoever that there was a problem with the transfer neither did I. 
I'm starting to understand how WISE can claim to have lower costs of transfer than traditional banks. 
Multiply these sorts of " problems '' by thousands of unsuccessful transfers, holding transfers for a few days or weeks, and charging transfer costs after canceling them, that's a devious way to grab money. 
On top of that the incentive ( {$75.00} ) to get your friends to use WISE is not real. By making the first transfer unsuccessful it voids automatically the reward as well as the free-of-bank-charge first transfer.

Company response to consumer: Closed with explanation