vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is about Wells Fargo XXXX XXXX XXXX, related to, but not connected directly to my interactions with XXXX XXXX. Today, XX/XX/year> I went to the Wells Fargo Bank branch located at XXXX XXXX XXXX, XXXX, FL XXXX, to confirm with the assistant vice President, XXXX XXXX, that I had come into the branch on XX/XX/year> to report purchases of gift cards, which I then turned into the police and filed a report with XXXX XXXX XXXX, XXXX Police Department, Case XXXX, giving the gift cards to them as evidence. An XXXX XXXX ID XXXX XXXX took them. XXXX Police Department, XXXX XXXX XXXX XXXX, XXXX FL XXXX. It was my understanding with XXXX XXXX at Wells Fargo that the transactions hadn't gone through, that he cancelled both my cards with them and I thought that was the end of it. This has not turned out to be true and the Wells Fargo credit card people were telling me that experience didn't happen, so I confirmed it by making an appt with him at XXXX XXXX. I talked to him for a half hour and followed through on his suggestion to talk to the merchant. I now have an appointment on XX/XX/year> where the merchant manager said we could go over everything. I will be filing more complete complaints about Wells Fargo, but this complaint is singular and about the fact that Wells Fargo is being unreasonable about how they resolve situations. After I made the appt with the store manager, I tried calling the XXXX branch 3 times and was put on hold XXXX with no response. I wanted to thank XXXX XXXX for the information. Try number XXXX landed me in customer service being transferred to an " escalated '' representative although all I was trying to do was thank XXXX XXXX. Ended up talking about a little of everything with XXXX at around XXXX - XXXX XXXX. Here is what is unreasonable. XXXX reopened the case, giving me the number XXXX. She told me to wait for their response before sending in hard copies of records and supporting documentation. Then she added, and here is my complaint about Wells Fargo being unreasonable, that I could reopen the discussion or dispute, as they call it, as many times as I like, Wells Fargo 's response will always be the same as they feel they satisfied all of their requirements. That they would just continue to say the same thing. This is in direct contradiction to their Code Of Ethics or Conduct More importantly, it's unreasonable. This word as well as this complaint comes at the suggestion of XXXX at XXXXXXXX XXXX  XX/XX/year> at the Fl State Attorneys Office, Consumer Division.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
Errors on my credit report related to 15 USC 16c-2 show unauthorized hard inquiries, which are hurting my score. Please remove all inquiries I didnt authorize. Thank you.

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 2024-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, my XXXX, XXXX XXXX XXXX XXXX XXXX initiated a {$5000.00} wire to wire funds to XXXX XXXX. It said wire would be sent on XX/XX/XXXX. The money was never received by XXXX XXXX. I have gone round and round with Wells Fargo Bank to find out where the {$5000.00} is as XXXX XXXX does not have it and it has not been returned to my bank account. Wells Fargo case number is XXXX. They sent a message to me on XX/XX/XXXX that " the beneficiary bank responded on XX/XX/XXXX advising the funds had been credited to the intended account successfully. '' However, it is my understanding per XXXX XXXX as of this morning XX/XX/XXXX that no funds have been received.

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 2024-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
XX/XX/year> - Submitted a complaint to CFPB about XXXX  and I requested the School Misconduct Application that I read about in an article as the university I attended committed misconduct. 

XX/XX/year> - School Misconduct Application received through XXXX  XXXX XX/XX/year> - XXXX XXXX reply : " Additionally, we understand that you are requesting information our recently implemented School Misconduct discharge program. Since XXXX was a for-profit school at the time of origination, weve determined that your XXXX loans disbursed to XXXX meet the applicable criteria to apply for discharge. Therefore, we are sending you a School Misconduct application under separate cover. It will be very important for you to review the application thoroughly and complete all the questions. '' XX/XX/year> - Submitted application to XXXX  XX/XX/year>- Was notified that my application was received XX/XX/year>- Was notified that my application bas been denied with a vague comment in denial letter : " XXXX  carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I was told that the loans meet the criteria for me to apply for discharge. Now with the latest response from XXXX during their transition into Mohela, it seems vague and perhaps rushed since XXXX  had been banned to provide service in the student lending industry due to predatory lending. I would like a specific breakdown/understanding how they came to the conclusion that I do not meet the requirements as I disagree and submitted proof/documentation. What are those specific factors?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian offers different promotional credit cards according to your personal situation. The company advertised XXXX XXXX account balance transfer credit card. I went through the on-line registration process and there was a hard hit put on my credit report. I understood that there would be an inquiry on my credit report. Ultimately, a credit card was issued. I requested a balance transfer and I was told that this particular credit card does not issue balance transfers. I had a chat experience and decided to cancel the credit card. I contacted Experian and complained about the " suggestion '' of using XXXX XXXX credit card for balance transfer. I contacted and requested Experian to remove the hard hit on my credit report, they declined. The request was made for misleading ad information. They say they can not remove the " hit ''.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of a student loan from my credit report associated with account number [ Account Number ]. According to my records, this loan has been verified as closed, and I believe it should be removed from my credit report to reflect accurate information.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ), negative information that is accurately reported must be removed after seven years from the date of the first delinquency. However, since this student loan has been verified as closed, it should not be impacting my credit profile any longer. 

The presence of this account, despite its closed status, is misleading and could adversely affect my creditworthiness. Therefore, I kindly urge the CFPB to take appropriate action to ensure that this account is removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,

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 2024-10-28 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 am writing to formally request the removal of a student loan from my credit report associated with account number [ Account Number ]. According to my records, this loan has been verified as closed, and I believe it should be removed from my credit report to reflect accurate information.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ), negative information that is accurately reported must be removed after seven years from the date of the first delinquency. However, since this student loan has been verified as closed, it should not be impacting my credit profile any longer.

The presence of this account, despite its closed status, is misleading and could adversely affect my creditworthiness. Therefore, I kindly urge the CFPB to take appropriate action to ensure that this account is removed from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
I am writing to formally request the removal of a student loan from my credit report associated with account number [ Account Number ]. According to my records, this loan has been verified as closed, and I believe it should be removed from my credit report to reflect accurate information.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ), negative information that is accurately reported must be removed after seven years from the date of the first delinquency. However, since this student loan has been verified as closed, it should not be impacting my credit profile any longer.

The presence of this account, despite its closed status, is misleading and could adversely affect my creditworthiness. Therefore, I kindly urge the CFPB to take appropriate action to ensure that this account is removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,

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 2024-10-28 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: MI

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

It is ridiculous that this account is even being reported as late as I have been set up for autopay during my entire payment history with XXXX XXXX. 

I am prepared to file a complaint with the XXXX  as well for both company 's if this situation is not rectified immediately. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, but your agency also failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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 2024-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: GA

Complaint narrative:
Dear CFPB, Sorry I had to file complaint again and my previous complaint got closed without my consent. 

XE claims that I didn't meet regulatory requirements, but they don't clearly mention what regulatory requirement I have voilated. 

They think they simply mistreat customers for no reason and trying to escape in the name of regulation. They are accountable and answerable to customer before they deny a service. I will fight this case until they clearly state what I have voilated, I am NOT accepting any wrong doing here to get rejected in the name of regulation. 

Thanks and Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Amount : {$10000.00}. Please see attached for proof of claim. 

15 U.S. Code 1666b - Timing of payments U.S. Code KIA MOTORS FINANCE COMPANY owned by Hyundai Capital America ( HCA ) is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-28 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, Chase reported a XXXX decrease in my credit score, despite several positive changes in my credit profile. My available credit increased by {$12000.00} ( from $ XXXX to $ XXXX ), and my total balance decreased by {$12000.00}. My credit utilization rate also dropped from 10 % to 8 %, reflecting responsible credit management. Additionally, the age of my oldest account increased by one month, as did my average account age. 

Ive maintained an excellent payment history, consistently paying bills in advance, with no missed or late payments. This unwarranted score reduction appears to be an error by Chase, and by inaccurately lowering my credit score, Chase is unfairly impacting my financial standing.

Company response to consumer: Closed with explanation