vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
That is so funny because I called my self, and they say that I have not submitted any dispute, but I have proof with certified letters that I have sent them everything they asked for. I have called personally, and they have responded that I had not submitted any dispute. After three months of trying to dispute and no response, I mailed the last dispute with certified mail with signature evidence of being received. You need to realize that I am the consumer and I should not have all this issue to dispute to XXXX. That after 3 months they still have not responded.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
My complaint is with Truist Bank. 

I opened up an account with his bank. They are not located anywhere in XXXX This blank blocked any access to this specific account. Left my funds in the account and would not allow me to withdraw them. They have asked me to verify my identity, and the only way to achieve that would be to step into a branch and show my photo identification. however, there is no local branch here in XXXX They have told me that this is the only way that I may get this done. I have been bounced around from their XXXX XXXX XXXX  department to their fraud management department to regular customer service. I have spent countless hours on hold with each department. I have been giving solutions with the timelines that have never been met, and yet I am receiving monthly bank statements in the mail every month with my balance, slowly going down due to monthly service fees. This has been going on for a little over a year now. I attempted to open up separate banking accounts with them to try to just do an internal transfer and they gave me access to those accounts that were newly opened, but restricted access to the account that had my money in it. I have experienced extreme financial hardship due to this, and theres been no effort on their end to try to rectify the situation.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Due to excessive fees, I believe I am eligible to receive damages from the Wells Fargo settlement.

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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had worked with Wells Fargo on a loan Modification, and they put me on a pre-foreclosure where I had to pay exorbitant fees to finish the process.

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There is another persons name on my Transunion 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
All bureaus have ignored my request to provide me with documents that have files that theyve used to verify the disputed accounts which means that they have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I am liable for this debt I do not have a contract with receivable management they could provide me with the proof of debt that I ask for

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 2023-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I sent an application for Public Service Loan Forgiveness to the U.S. Department of Education, MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. Mohela received this application well before the XX/XX/2022 deadline. I have proof of delivery via a signed receipt. 

I have provided Mohela with documentation of my eligibility through employment from four different employers. The first employer alone shows I have well over 10 years of qualified employment. The fourth employer, a hospital, stated to me that their policy requires employment verification through a third party. I submitted that documentation along with the application form and a note clearly stating " see attached '' for the fourth employer. 

Mohela sent me a notice threatening to deny my application because the fourth employer did not fill out the form. They completely ignored the proof of employment from three employers. Mohela has these forms, and I know they do because I kept a copy of my application along with proof of delivery. 

Mohela is not acting in good faith. They want to deny my application because of one technicality which is not even reasonable. They are trying to come up with any excuse they can to delay doing what the US Department of Education hired them to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/ ( {$35.00} ) and XX/XX/ ( {$300.00} ) I used XXXX to add funds to my account. The funds were posted, verified and confirmed by my bank Bank Of America on XX/XX/. I used that account to pay bills that day. One of the bills I paid was my Capital One credit card bill. On XXXX XXXX XXXX  I saw that I had a negative account balance due to funds missing from my account. My Capital One credit card payment ( {$120.00} ) was returned I received a late fee of {$29.00} from Capital One. When I saw I had no money in that account and my payment was returned I immediately paid my bill through another bank I have an account with but unfortunately it proved to be too late I still got the late fee. I was so upset especially because I have never been late on payments. Id just gotten a credit increase and this made me look bad to the credit card company. The funds I sent to Bank of America through XXXX were added back into my account days later. I called Bank of America and asked them would they pay the late fee or any fees incurred due to their mistake but they said No they were not paying any fees due to their errors.

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Money was missing from my account over XXXX and I need that replaced please

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There is incorrect information listed on 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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There is incorrect information listed on 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a deposit of XXXX Money orders of {$1000.00} which totals out to be {$3000.00}. I also made a deposit of {$500.00} cash to my bank 5th 3rd bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  location. 

The next day XX/XX/ I went online to check my online banking to pay my bills, and my account is now locked. I immediately then called 5th and 3rd banks customer service and was told that my money orders were fraudulent. I purchased the money orders from a grocery store. 

I went into the bank on XXXX XXXXXX/XX/XXXX just to get my account number to try and pay a bill until I go home and locate the money order receipts, and was also told I cant take any money out of my account or have access to my account until I bring in a receipt. 

I don't mind traveling back and forth through stand still traffic to get them but I have bills to pay and I am now late on my rent because of this. 

I have the receipts of the the money orders I just couldn't bring them until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AFNI INC.
State: IL

Complaint narrative:
In XXXX of 2023 I noticed my excellent credit score had taken a severe decline. Upon checking into it, I noticed there was an item on my credit report that was erroneous. A collection agency, AFNI, INC., had reported that I was delinquent on a payment of {$1200.00} to XXXX XXXX XXXX. This is totally false. I do not have any financial relationship with XXXX XXXX XXXX. I called AFNI to try to resolve the error, but of course they " were experiencing higher than normal call volume ''. Not only was I unable to contact them, they have never, ever, contacted me prior to or after placing the item on my credit report. I called XXXX to dispute the item but their " investigation '' verified the information to be accurate. That is not true. I had the same situation a few months ago, and I believe it was also from XXXX XXXX XXXX but a different collection agency. It was removed from my report. I suspect the first agency just sold the same bogus debt to another agency. 
I can not attach any supporting documents because there was never any relationship between me and XXXX XXXX XXXX so nothing exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Pursuant to 15 U.S. Code 1691 - Scope of prohibition- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Keyword : ANY I was discriminated against based on my credit report/reputation. Also Pursuant to 15 U.S. Code 1602 ( p ) - Definitions and rules of construction. The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The credit card being my social security was used by Paypal ( person ) and I the cardholder received no benefit. Paypal has already confirmed through email that they in fact did deny me my right to credit. Paypal shall pay fines for said violations including 15 U.S. Code 1681n - Civil liability for willful noncompliance. {$1000.00} per violation invoice will be sent by mail via XXXX with a tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Back on XX/XX/2021, I paid a company called XXXX XXXX XXXX, a total of {$5000.00} and another {$800.00} to their associated firmed called, XXXX XXXX XXXX, and I was mislead to belief that they would release me from my Time Share. I made several complaints to both companies by phone and in writing complaining of their failure to deliver on their service. I requested reimbursement from XXXX XXXX XXXX. My complaints went unanswered and I filed a complaint with Attorney General 's office of Texas and Missouri on both companies. I called XXXX and made a claim. I received {$800.00} reimbursement but not the {$5000.00}. XXXX denied my {$5000.00} claim by explaining that it was past the timeframe, yet I received the {$800.00}, both were submitted at the same time. 

I don't know how a well known company such as XXXX is doing business with a fraudulent company scamming seniors and yet, I have a long history ( over XXXX XXXX XXXX paying XXXX for services. 

Any help to recover {$5000.00} from XXXX will be greatly appreciated.

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to remove the following bankruptcies from my Transunion and XXXX credit report that have been failed to be validated. I have reached out to Transunion and XXXX on multiple times. XXXX has removed the bankruptcies due to them not validated. I have been trying for over 2 years. Please help me, as I feel that I can't get anywhere. 

XXXX XXXX  Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy 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 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I have made a payment to my mortgage on XX/XX/2023 in the amount of XXXX with conf # XXXX And another payment in the amount of {$10000.00} on XX/XX/2023 via mail and well as at least 2 payments from HAF have been received. None of these payments reflect on my acct. I have called 3times since XXXX to check. Nothing. Was told it takes 7 business days to post. It is much longer now. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
The company didnt want to negotiate with me to decrease the payment amount.

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 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo years ago I was behind on my mortgage I did everything possible to try to make it up when I did get them to work with me I had to resign for XXXX  more years and they added XXXX.to my mortgage.my original mortgage loan was XXXX. In XXXX now XXXX  years later I still owe XXXX. How is this right. I only got like XXXX months behind when I had XXXX XXXX XXXX XXXX XXXX and my husband lost his job.This can not be right after XXXX years to owe way more than my original mortgage.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 2023-01-21 00:00:00
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Somebody used my car and wells fargo charged me with interest and fees couldnt pay they got a me refund but took so long and didnt get the entire refund went to collections and still struggling

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