vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: Nelnet, Inc.
State: TN

Complaint narrative:
Autopay for my accounts was handled incorrectly, and it is nearly impossible to track amount due through their website interface. I had set up autopay to pay each of my loans, and to add an additional amount each month. This additional amount was supposed to go to the loan with the highest interest rate. 

Because there is only one place on their website to view amount due, but multiple loans that are being handled by them separately with different due dates, it is not possible to view amount due each month for each loan, only the next amount due for the next upcoming loan payment date. 

Instead of getting one automatic debit taken from my account to cover the amounts due for each of my loans plus one additional lump sum ( that I indicated ), I had multiple automatic debits taken in the same month. I can find no indication of why the amount that was taken was taken in my account, but I can only guess that each of the multiple autodebits taken were an amount due for one of my multiple loans, plus the additional amount I indicated taken EACH TIME in the same month. This resulted in me being significantly overcharged each month for my loans compared to the amount due. 
Further, the excess I was paying was going to my highest interest loan, but then was pushing out the payment date such that autodebits were not being placed for that account in subsequent months. There was no direct communication about this to me through my account, nor any indication in my autodebit preferences that this would be the case. 

Nelnet 's website and the way in which they handle payments for each account is nearly criminal, and in order to avoid this in the future I will have to rely on manual payments that I make each month. But, I have only come to the conclusion of this after many months of overpaying my student loans and not understanding why I was getting such large autodebits. I didn't want to cancel autopay for fear of missing a payment on one of my accounts, because there is so little transparency from Nelnet about where payments go and how much is due for each account when.

I feel like the well-being of my finances is being held hostage by Nelnet and their poor management of my loans and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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 XXXX  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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Consistently, I've made sure that payments on this account are always timely, preventing any overdue status. I'm uncertain about the reasons behind the reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I am writing to report an issue with my account on the Robinhood trading platform, which has been unexpectedly restricted. The initial restriction occurred without a clear explanation from Robinhood, prompting me to contact their support team for clarification and resolution. 

Timeline of Events : Day XXXX : I noticed that my Robinhood account was restricted, preventing me from conducting any trades or withdrawals. There was no prior notification or explanation provided for this action.

Subsequent Days : Over the next several days, I made multiple attempts to contact Robinhoods customer service for an explanation and to have the restriction lifted. During these interactions, I provided all requested materials and information to demonstrate my compliance with their terms of service and to rectify any potential issues that might have led to the restriction. 
Day XXXX : Despite my repeated efforts and compliance with all of Robinhoods requests for information, my account remains restricted. I was informed that it would take another 5 days for the restriction to be reviewed and potentially lifted, extending my inability to access my funds or trade to a total of 15 days.

Throughout this process, Robinhood has not provided a satisfactory explanation for the restriction or a clear timeline for resolving the issue. This lack of transparency and prolonged restriction period has caused me significant inconvenience and concern regarding the safety and accessibility of my funds. 

I kindly request your assistance in addressing this issue with Robinhood, ensuring that my account restriction is reviewed and resolved promptly, and that measures are taken to improve communication and support for Robinhood users facing similar issues. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit 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: NV

Complaint narrative:
The dispute is with charges on my Barclays credit card to pay a XXXX for repairs from funds provided by XXXX XXXX for repairs to my condo. 
Upon finding out the merchant/contractor was not legally licensed in the state of Nevada we XXXX out to both, him and credit card company to recover the funds. 

Initially, the credit card company provided us with a refund on those charges but later retracted it stating that the merchant provided a valid response to validate transaction. 

The XXXX did no repairs as we dismissed him when we could not verify with the Nevada XXXX XXXX XXXX a current license under his or his business name. Without a valid license, any contracts made with unlicensed contractors are null and void by law according to XXXX. 

Paid XXXX a total of {$2500.00} XX/XX/year> XXXX credited provisional credit XX/XX/year> Charges reapplied to my account XX/XX/year> I reopened dispute via fax and XXXX mail attaching report from Nevada XXXX XXXX XXXX XX/XX/year> Barclays responded with merchant has not violated the terms of contract. XXXX letter XX/XX/year> Barclays states via letter they remain unable to pursue on my behalf. XX/XX/year> Please contact me should you need any other information. 

Thank you, 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 explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding their refusal to reimburse me for unauthorized transactions on my account while I was XXXX. My name is XXXX XXXX, and my account number with Wells Fargo is XXXX. 
Despite being XXXX  during the period in question, unauthorized transactions were made on my Wells Fargo account without my knowledge or consent. 
Upon discovering these transactions, I promptly contacted Wells Fargo to report the issue and requested reimbursement for the unauthorized charges. However, Wells Fargo has repeatedly refused to reimburse me for these unauthorized transactions, citing various reasons that do not justify their failure to protect my account and address the fraudulent activity. I have provided Wells Fargo with all necessary documentation and information to support my claim, including proof of my XXXX  during the time of the transactions. 
I am deeply concerned about Wells Fargo 's handling of this matter and their apparent disregard for consumer protection laws and regulations. Their refusal to reimburse me for unauthorized transactions has caused significant financial hardship and distress. 
I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that Wells Fargo fulfills its obligations to me as a consumer. I request that the CFPB take appropriate action to hold Wells Fargo accountable for the failure to protect my account and provide me with the reimbursement I am rightfully owed. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in resolving this dispute. 
Sincerely, 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 explanation
Consumer complaint received 2024-03-14 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: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account XXXX : 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 2024-03-14 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: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account XXXX : 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 2024-03-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
This item collections account at HUNTER WARFIELD for the amount of {$4.00} is inaccurate because the debt assigned was improperly sent to collections under my name ( on XX/XX/year> ) and does not belong to myself. The debt was sold to the HUNTER WARFIELD collections agency by XXXX XXXX XXXX without legal notice and/ or verification of debt to myself. I have requested verification of the debt from the collections agency several times and am always sent a bill as a reply. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt I am accused of owing. I have requested verification of the dead on several occasions, both by phone and via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-14 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: EQUIFAX, INC.
State: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Hello. My complaint is against Fay Servicing. I have had a solid mortgage payment of approximately {$810.00}. It has been about over 15 years that I have been with either XXXX, XXXX XXXX, XXXX XXXX, XXXX. It has been transferred several times, and with any of the other companies I have never had them demand over XXXX XXXX dollars more per month, because there was not enough in the escrow. Although I usually pay late, I never ask to have the additional fee waived, so my payment is about {$840.00}. This year, I called to make my payment, and they were now insisting on {$990.00} ( w/o late fee, with late, I think they said {$1000.00} ). In shock and already financially pressed, I asked if I could pay partial and amortize the rest over a few months. They denied that request, and they said it was due immediately. Obviously, I did not want my credit affected, so even though I really did not have it, I paid. Now this month, before the late fee, I called to see if I could at least have until the end of the month without late penalty. Normally, they do not ask for my loan number, instead, the system finds me. However when I was connected to the payment plan extension ( had already identified my account ), customer service would not help me unless I provided my full social security number. In XXXX, I received notice of a data breach with my mortgage account, so I really did not want to do that. I offered the last four of social, last four of mortgage account, address, birthdate They said, even with that, they would not help me unless I would give my full social to somebody over the phone that I do not know. Anyways, the steep additional charges with no plausible explanation and refusal to help me with a payment plan without full SSN, I just feel this mortgage company is a real bully ( probably also doing to others ), and I need help. At the very least, I want everybody to know what they are doing and how they are treating people. It is just wrong and possibly criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit and shows the following incorrect information is being report. 

Late payments : XXXX XXXX XXXX XXXX reported late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit and shows the following incorrect information is being report. 

Late payments : XXXX XXXX XXXX XXXX reported late XXXX XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: MS

Complaint narrative:
I purchased a prepaid XXXX ( XXXX for local colleges and universities ) issued by U.S. Bank National Association from a XXXX store for {$240.00}, plus {$5.00} XXXX fee on XX/XX/year>. When I attempted to validate the card online to make a purchase, I received a message that the card number was invalid. When I called the number on back of the card ( XXXX ), I was told that there had been activity on the card in XXXX, XXXX. I was directed to upload proof of purchase documents through the online portal ; and received a confirmation number ( XXXX ). When I called to check the status of my reimbursement, I was told that the documents I submitted were declared incomplete and destroyed. I have submitted and resubmitted documents 3 times via fax at a XXXX  Store ( costing $ XXXX {$8.00} ) which included photo ID, front and back of the prepaid gift card, 2 proofs of mailing address to the postal box ; and each time I call to check the status, I am told that the documents have been illegible or deficient ; and that the Offline Team destroyed the fax. I have filed a complaint with a supervisor about the reimbursement process, but received no follow up within 3 business days as promised. I have called and asked a supervisor to escalate my complaint, but have yet to hear from anyone regarding my claim. I hope that my complaint will help other consumers who may have experienced similar problems with prepaid gift cards.

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