vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I was having an account with Wise ( XXXX ). On XX/XX/2022, My account was accessed from the XXXX, though I am from XXXX. I received an email regarding this. Next morning I realized that my account has accessed by someone else. Wise should have detect this new login pattern and transferring {$72000.00} USD in just 30 seconds with 9 separate transfers and {$8000.00} USD each. The transactions happened when it was midnight for me and unusual time for me to login to my account. All are those payments were unauthorised and my phone wasn't working at that time. I didn't accesed Wise app on my phone nor I have installed Wise app on my XXXX XXXX XXXX phone. I also want to mention my account email was changed on that day. All these incident relates to account hacking and unauthorized access to my account. Wise at-least should have detected one of these. 

I also asked Wise on the month of XXXX, 2022, that how much money I can hold in my account? And, Wise response was there is no limit to hold the amount of money. As, I informed Wise about this, they should have more security measures or look-up on my account. If they told me that I had to verify myself first, then I should have withdrawn my funds to my local bank account from my XXXX account, rather than transferring it to my Wise account. I have all the screenshots and evidence of transferring my funds from my XXXX account to my Wise account. 
Moreover, my account was personal, not a business account on Wise. I delayed 15 day 's to report the inident because, the scam was so sophisticated that I was shocked at that time and I haven't got any time to response since the payments leave my account in 30 seconds. As, Wise didn't detect the scam automatically, I lost hope for a refund and on Wise part they say 's they don't take in part in dispute between sender and recipients. Though this is an unauthorised incident. 

It was lot of money for me. I am living on the streets now. I don't have any financial support or anything currently. Those were my only funds left. My life is stucked since XX/XX/2022. I am physically not well that I can do works. As I am a needy person that's why I am looking for a refund of my hard-earned money till now today after 1 year of the incident. Wise took 8 months to conduct the investigation, yet they weren't able to recover any funds and blaming me that I have been overpaid by mistake. All these things are goes against humanity. As, Wise is a regulated firm, they have a duty of care to their customers. They can't just ignore customers problems, when large amount of funds were stolen. I tried to commit suicide several times since the incident happened. Those money were for my treatment and medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-10-20 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: CA

Complaint narrative:
Last month on XX/XX/ my purse was stolen and in it I had my phone several debit cards, identification card social security card, money etc..I made a police report about everything that was taken, but at that time I could not let them know that amount if any was taken for me in my bank account from other account so I had to wait and see I wasnt able to get any type of access to my Wells Fargo account until XX/XX/ and which I came to find out that almost {$4000.00} Ive been taking for me I immediately filed several disputes, changed my username and password, canceled my card and re-ordered a new one and set up voice verification to my account to ensure a better security of my account. it is now XX/XX/ and my disputes all have been closed. and no, my name has been credited to my account. I was never asked to send any paperwork in the police report. Nobody is home just speak to me not even sending email anything to notify me of the decision or why they decided that or anything and Ive been sitting there patiently without having any of my money, Ill be able to pay bills buy groceries and Ive had no communication and Basically I feel like Im being robbed again because I have no money in my account which was taken for me and no communication between the Bank and myself on their behalf to ask for any supporting documents and I need my money Im not just gon na let somebody steal my money, and walk away with it And let it go so I would really appreciate help with this because it is actually causing a hardship on me and I need my money back.

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 2023-10-20 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: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/2023 a credit account was opened in my name by someone other than myself at US Bancorp ( US Bank ). I caught it almost immediately and I contacted their fraud department. After a brief investigation, I received a letter from the company 's fraud department on XX/XX/2023 stating " The account in your name has been closed '' and " we have notified the consumer reporting agencies to remove the account from your consumer credit report ; however this process could take several weeks to be fully completed ''. 
On XX/XX/2023 I noticed that the Inquiry on my XXXX credit report was still there so I filed a dispute. XXXX sent me a report stating that " inquiries are a factual record of file access ''. I then contacted the fraud investigator at US Bancorp ( I have the case number and her contact info if needed ). She said that the case has been closed and that her records indicate that a request to remove the credit inquiry was already sent to XXXX and there is nothing else that she can do. 
I then filed a 2nd dispute with XXXX explaining the situation and sent them a copy of the letter I received from US Bancorp 's fraud department. This morning, XX/XX/XXXX, I received the same report from XXXX " inquiries are a factual record of file access ''. 
I called XXXX and they said that when you file a dispute online, it is sent to the creditor to confirm or deny. From what I understand, US Bancorp is confirming that the inquiry is legitimate- I am assuming it is a different department and they still have it in their system. XXXX told me that they wont do anything to help me remove the inquiry without supporting documentation. This is very frustrating since I already sent them the fraud letter. Their recommendation was to file a report here. I am not really sure where to go from here.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I can't see my credit report because my identity can't be verified. I'm a victim of identity theft and I need help I'm losing the battle by myself. Bank accounts and loans and credit cards are being used in my name fraudulently. I need assistance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: AES/PHEAA
State: NY

Complaint narrative:
My loan servicer was Fedloan Servicing. I had Fedloan Servcing set up as the bill payee for my student loan through my bank pre pandemic. I stopped paying my loan during pandemic and didn't update my bill payee to XXXX, which became my new loan servicer after Fedloan Servicing shutdown. I made a {$200.00} payment to Fedloan Servicing on XX/XX/XXXX  in error. The {$200.00} was somehow accepted even though Fedloan Servicing no longer exists. I've contacted XXXX and my bank, neither can do anything to get my money refunded. I'm not sure what to do as Fedloan Servicing customer service no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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 2023-10-20 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: PA

Complaint narrative:
i am not liable for this debt with " XXXX XXXX '' and I do not have a contract with " XXXX XXXX '' they did not provide me with original application.

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I had my credit run by Barclays in early XXXX to do with a personal loan offer attached to my credit card. I completed all documentation and submitted the application of which was accepted. When it came time to accept it my end the online portal did not work and the overseas call center said they would address it and someone would contact me, they told me that I need not be concerned and the offer would remain valid. 1 month later after contacting Barclays numerous times no one knew what to do, finally I get an online acknowledgement of which I accepted in XXXX and the loan was validated, accept they ran my credit again without me granting permission and now I have 2 inquiries back to back of which I want 1 removed. Barclays refuses to address this when I call and I cant reach anyone who wants to do anything about it.

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 2023-10-20 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: U.S. BANCORP
State: IN

Complaint narrative:
I purchased 2 cards with a {$500.00} balance on each card in XX/XX/XXXX  and within 48 hours the cards were compromised with charges being made to the card without opening the package. I reported the problem and was informed to visit the company website to submit documentation that I have the cards in my possession. Once they received the information via their website, they sent new cards and I received replacement cards and within 48 hours of receipt of the new cards, they were compromised again. 

I was informed by their customer service team to begin the process again, but now their website has not been operational for many weeks. They have stated they are aware of the issue and the only way I can submit my information is via fax. I have submitted the information multiple times via fax and they claim to not be able to read the information despite my confirmation documentation of the faxes being very clearly eligible.

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 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I have called the company, XXXX XXXX, on XXXX XXXX. i spoke to a representative who informed me an overage in my account could not be credited to me so the entire mortgage payment would be credited back to me then I would need to pay the mortgage amount without the overage. this did not happen. The mortgage payment was not credited to my account. 
On XX/XX/XXXX I contacted the company to inform them i want my escrow account fully refunded to me. they asked for proof which was provided within hours. 
no action has occurred. 
I have spoken to a manager who says within the next 2 weeks I will hear about the resolution of this issue. I dealing with this company they have lied to me on multiple interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents.

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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I received a check in the mail on XX/XX/2023 from social security and I went to deposit it into XXXX XXXX  but was told that there is a bank that reported me as fraudulent. I received my credit report from XXXX and it says there is no fraudulent activity on my account. I then ordered another credit report from ChexSystems and I see that one bank has reported me but it doesnt show who or what the name of the bank is.

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 2023-10-20 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: PA

Complaint narrative:
This is 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 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
They approved without validation of income or proof of repayment. They never verified my income source. Im self-employed, and my business income was consistently going down. I had multiple overdraft fees in both my business and personal accounts. My credit card usage increased, and my credit score decreased drastically over the past year. I was desperate for income due to medical bills, and this is, by definition, predatory lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is 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 2023-10-20 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: MO

Complaint narrative:
Experian says my XXXX account needs more time for boost they stole 15 months of on time never late payments in the pics below you clearly see Experian is lien to cfpb. They keep doing his in retaliation for me filing complaints

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 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe that this limitation has been imposed in error, as I have always strived to adhere to PayPal 's policies and guidelines.

I want to emphasize the following key points : Mistaken Limitation : I strongly believe that the limitation on my account is the result of a mistake or misunderstanding. I have consistently used my PayPal account responsibly and have not engaged in any activities that would warrant such action. 

Policy Compliance : Throughout my time as a PayPal user, I have diligently followed PayPal 's terms of service and acceptable use policies. I have not violated any of these policies knowingly or unknowingly.

Request for Re-investigation : I kindly request that PayPal conducts a thorough review of my account activity and the circumstances leading to its limitation. I am confident that this review will reveal no wrongdoing on my part, and I earnestly ask for the reinstatement of my account if deemed appropriate. 

I understand the importance of maintaining the security and integrity of the PayPal platform, and I fully support these efforts. However, I am convinced that my account has been incorrectly targeted, and I am eager to resolve this matter promptly.

I kindly ask for your immediate attention to this appeal and a prompt re-evaluation of my account status. Restoring access to my PayPal account would greatly assist me in conducting my online financial transactions smoothly and securely.

Thank you for your understanding and assistance in this matter. I look forward to a positive resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: KY

Complaint narrative:
I got a consolidation loan from Heights Finance in XXXX Ky in XXXX of XXXX for {$7200.00} I had problems when Goin in to pay my monthly payment. At the time they didn't except cards over the phone. I was told they weren't set up to do it at the time. I tried to break my payments down half at the beginning of the month & half in the middle of the month. They didn't wan na do that. They wanted all the $ rite then & there. For {$7200.00} they wanted me to pay back almost {$17000.00} that's over double what I borrowed. I tried to work with them like I do anyone else I owe! They refused to work with me. They took me to court & sued me for the XXXX On XX/XX/XXXX Which they over charged there as well plus there attorney fees etc... The agreement was? I pay {$200.00} a month until it was paid. I was late a few times on my payment but it was paid. I even paid 2 payments in XXXX. I called to make XXXX 's payment on the XXXX of this month & they refused it. I had been in the hospital XXXX XXXX XXXXXXXX & was a day late. They said I should of called to let them know? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are now trying to garnish my wages from my job on 40hrs a week & I don't work full time. I'm a part time employee at my job. Sometimes im luvky to get 15 hrs a week. Im a single mom. The wellfare of my child is the most important thing to me & she comes first. I don't want this to happen to anyone else!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NC

Complaint narrative:
I currently have two student loans serviced by Nelnet - one federal and one commercial. I have been paying {$100.00} extra per month on my commercial loan. Once federal payments resumed, I would have thought my extra amount would have covered the federal payment, it is only {$65.00}. Just to be sure, I attempted to call Nelnet to verify. When calling their wait time was over 1 hour. I work, so an hour out of my day is not feasible nor reasonable. I used their 'email us " form online and received the following response, " Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : where you can view your loan details, apply for repayment assistance, and more. 
For answers to common questions, check out our FAQs page. 
For information about all aspects of federal student aid, please visit StudentAid.gov. '' They won't respond to emails and who has an hour to sit on the phone? 

Come to find out my excess payment to them was not applied to my other loan and my loan was marked past due. I've not had a past due payment to them in 8-10 years. Thus, this is quite infuriating. They need to be held accountable as a servicer. If they can't adequately service the volume of loans in their portfolio, then a segment of those loans should be moved/sold to another servicer.

Company response to consumer: Closed with explanation