vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
I called my student loan servicer ( Mohela ) on XX/XX/2024 to inquire about the change in my repayment terms from an email I received on XX/XX/2024. According to this update a few of my loans were put on a different repayment plan ( it is referred to as the Level plan ). I NEVER requested any change to the Level plan. When I called to ask what was going on I was told it was an accident or a glitch. I asked if it would be fixed and I was told it would be fixed when my new IDR/SAVE repayment application gets reviewed and a decision has been made. The Mohela representative told me if it is not fixed to call back on XX/XX/2024 to have my administrative forbearance extended and have the Level plan fixed. Again, I never requested my loans to be put on the Level plan because it greatly increased my monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: NE

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-05-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries listed were not authorized by me and I had a freeze on my report with Experian.

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 2024-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Next Financial Inc. dba Copper
State: MD

Complaint narrative:
On XX/XX/year> I received an email stating that all debit accounts were going to be closed on XX/XX/year> and funds will not be available for use. If there were any funds in the account, they were going to transfer them to the external account on file. I had {$160.00} in this account when they decided to close it. My external bank account was also linked to this account, and I have yet to receive my funds. I reached out to Copper via email, and was given a general response. They also told me that check would be coming in the mail within XXXX business days. It has been XXXX business days and I have yet to receive my funds. When I log into the Copper app, there is a wallet balance showing {$160.00}, but no option to transfer or cash out my funds. Please help me get my funds back, because this money is my XXXX XXXX XXXX money, and she worked very hard for it and she is very upset.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 USC 1666B the account XXXX XXXX XXXX XXXX is a billing error. I am requesting that this account is changed to paid as agreed never late. Please see the attached consumer report which shows the inaccuracy in the payment history. How is Transunion reporting 30 days late in XX/XX/2023 while XXXX and Transunion are reporting that the account was 30 days late in XX/XX/2023. At this time, I am not asking for a goodwill adjustment, I am requesting that this information is updated due to misinformation and negligence. Please update the account to paid as agreed never late. Please see the incorrect information on the credit report attached. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing

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 2024-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 USC 1666B the account XXXX XXXX XXXX XXXX is a billing error. I am requesting that this account is changed to paid as agreed never late. Please see the attached consumer report which shows the inaccuracy in the payment history. How is XXXX reporting 30 days late in XX/XX/year> while XXXX and XXXX are reporting that the account was 30 days late in XX/XX/year>. At this time, I am not asking for a goodwill adjustment, I am requesting that this information is updated due to misinformation and negligence. Please update the account to paid as agreed never late. Please see the incorrect information on the credit report attached. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: IL

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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, XXXX XXXX XXXX, want to make it clear that this message is being sent independently and does not represent any third party. Recently, I reviewed my credit report and was distressed to find numerous unverifiable, invalidated, inaccurate, and questionable entries. Your agency, responsible for ensuring the accuracy of consumer reports, has failed in its obligation to ensure the reported information is entirely accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2024-05-24 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: CA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-24 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: NE

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I got a text from Wells Fargo that claimed my account had been hacked and someone was trying to take {$13000.00} out of my account. I told them that I was not aware to which they called me from the Wells Fargo number and advised that I close my account ASAP and they set up a new one with me. Rushing me because I had no idea how this could happen, they transferred me over to someone else and told me my new account number. I didn't know anything about wire transfers and never used XXXX, none of that. they told me my new account number and I wire transfer two different amounts. One at {$2800.00}, the other at {$6600.00} which I found out was person in Florida named XXXX XXXX. Once my roommate told me something didn't seem right, I hung up and called the same number on the back of my debit card and told them I thought I was cammed, and the person who I spoke with instantly told me I was. Weird, since they didn't have all my info yet. I watched it pending for the majority of the day, which I called to tell them immediately after the call. the transaction eventually went through the next day. I called Wells Fargo again to get this fixed, and of course, there is nothing they can do. I filed a report to the police and submitted my stuff to the FBI as well. All my accounts have been closed and they issued me a new account. I have talked to managers there and something just doesn't seem right with that company. After reading about wire transfers, they should have stopped the initial transactions.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have have account showing balance that does not belong to me. unauthoride inquiries. 
15 U.S.C 1681i ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
In XXXX XXXX XXXXXXXX I was informed due to my escrow increase my monthly payments were going up {$460.00} monthly. I have asked several times why such a large increaased since my total escrow due for XXXX is only an increase of {$130.00} annually from total paid escrow in XXXX. They keep throwing the same document in my face without answering the question. Every year I'm told I have a shortage and my payment conitues to go up. But a {$5500.00} shortage, this appaers to be missmanaged or I'm being taken advantage of. 
On XX/XX/XXXX I had an escrow balance of - {$270.00}, then in XXXX I had a shortage of {$5900.00}. 
Total paid escrow in XXXX was {$6700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to you as a loyal and longstanding client of Santander since XX/XX/year>. I have strived to maintain an excellent payment history, always ensuring that my mortgage payments were made on time without any issues. It has been a privilege to be a part of the Santander family, and I highly value the professional and reliable service you have provided. I am writing to bring to your attention an unfortunate incident that occurred in XXXX, which has resulted in a late payment on my account XXXX. This occurrence was entirely unintended and stems from a billing error with my credit card merchant. Despite my diligent efforts to prevent any issues, the error led to a delay in processing my payment for the month of XXXX and XX/XX/year>. I fully understand and acknowledge that timely payments are crucial, not only to maintain a positive credit history but also to honor the terms of our agreement. The recent late payment has had a negative impact on my XXXX XXXX, and I am genuinely concerned about its implications for my financial well-being. Given my history of prompt payments and my commitment to rectifying this situation, I kindly request that Santander consider granting a goodwill adjustment. This adjustment would involve the removal of the late payment notation from my credit report. I understand that Santander has the discretion to make such adjustments in cases where clients have demonstrated a history of responsible payment behavior, and I sincerely hope that my past record with your institution will be taken into consideration. I assure you that I have taken corrective measures to ensure that such a situation does not occur in the future. I have reviewed and updated my payment methods to prevent any recurrence of billing errors. My commitment to maintaining an impeccable payment record with your company remains steadfast. I kindly request that you review my account history and, if possible, grant this goodwill adjustment. Doing so would greatly assist in alleviating the adverse effects of this late payment on my credit report and financial stability. I appreciate your attention to this matter and your dedication to customer satisfaction. Thank you for your time and understanding. I look forward to your positive response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: IL

Complaint narrative:
I am a victim of identity theft, I have provided these companies, proof that I am a victim of identity theft. I have filed police reports, and has listed these creditors as fraud. It has been challenging having these inaccurate items removed 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 2024-05-24 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Bankruptcy Account Number : XXXX Inquiry XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo customer service between XXXX and XXXX pt, on Thursday, XX/XX/XXXX. 

I told the lady that my bill pay check has not arrived, on time. 
Check # : XXXX Reference : XXXX Send date : XX/XX/XXXX Expected delivery : XX/XX/XXXX She began describing how hard it is to hear, and refused to talk to me. 

I hung up the phone. 


Also, my balance, for Account XXXX, XXXX XXXX, had 6 or so overdrafts that occurred. 

A purchase {$100.00} at XXXX XXXX caused that negative balance, which occurred before an alert was sent, that I have 24 hours to bring my balance above XXXX dollars. 

This - {$110.00} balance, caused numerous other overdrafts to occur, while all transactions, had already been made in person, using my Card XXXX, and I had a positive balance positive balance. 

I never made any transactions that went into a negative balance. 

These transactions were made after a Deposit from XXXX, {$1000.00} on XX/XX/XXXX. ... thru XX/XX/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 2024-05-24 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry 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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Last month In XXXX I made a payment of XXXX a late fee was charged for XXXX when I made a payment on time it never processed so I was charged a late fee. This month my payment was due on XX/XX/24 instead of my usual XXXX due payment. It suddenly went up to me owing XXXX for no apparent reason. This credit account is closed and has not been used so there is no reason I should owe more than the required XXXX. Today XX/XX/24 I went in to make sure my payment posted that I paid yesterday and it did not. So I had to pay the XXXX today and next month I will be charged another late fee on top of whatever other fees XXXX decides to tact on. This is not right that I keep getting charged all these fees on a closed account. This is fraud. And I am keeping a paper trail cause I am obtaining an attorney. And the first step I was advised was to report this to you guys.

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