vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/23, I contacted Regions bank with the merchant XXXX. I explained that there were 2 charges from XXXX totaling {$100.00} that I did not authorize. The merchant advised the Regions bank rep that I did not authorize those charges and to start the dispute process. It is now, XX/XX/23, and still no resolution. I closed my card out as instructed and went to the branch for a new card. I attempted to contact Regions 2 other times to no avail. I do not understand why it is almost 10 days since the dispute and nothing has been resolved. I have been struggling with banking reps both in the branch and the XXXX number being unprofessional and not helpful. This is absolutely unacceptable and have never experiences such nonsense. I want this resolved ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22 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: LA

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 2023-11-22 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: FL

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 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 2023-11-22 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-11-22 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: LA

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 2023-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have provide with Document should be sufficient to investigate XXXX XXXX to Settle the Account i have sent a copy of the contract payment record and loan information and before the final payment scheduled for XX/XX/30 in the amount of XXXX I notice that the Account was transfer Back to Affirm all payments have been made as agreed XXXX have fail to complete the Settlement agreement and i have provide with all evidence needed Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I have provide with Document should be sufficient to investigate MRS Offer to Settle the Account i have sent a copy of the contract payment record and loan information and before the final payment scheduled for XX/XX/30 in the amount of XXXX I notice that the Account was transfer Back to XXXX all payments have been made as agreed MRS have fail to complete the Settlement agreement and i have provide with all evidence needed Thank you. XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: TransferWise Ltd
State: TX

Complaint narrative:
After the unexpected closure of my Wise account, I received a notification from Wise requesting my bank details to process the refund of the remaining balance. However, upon receipt of the refund on XX/XX/2023, the amount of {$1200.00} significantly differs from the balance I recall having in my account, which exceeded {$1400.00} at the time of deactivation. 

Multiple attempts to resolve this issue directly with Wise by requesting a bank statement to verify the actual remaining balance on the date of deactivation have been unsuccessful. Despite my repeated efforts over a period of more than 1.5 months, Wise has failed to provide the necessary documentation or transparently address the discrepancy in the refunded amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
Mohela is my current loan servicer on my federal student loans. I have been working for the XXXX of Wisconsin for over 25 years all in public service and have made more than the required XXXX payments under the XXXX program. They say I have only made payments that total XXXX and am short of the XXXX but during XXXX payments were put on hold and we were supposed to get credit for those payments. 
If and when those months are counted towards the XXXX I would easily be forgiven. Also I have never received although I have asked during numerous phone calls in the months of XXXX and XXXX on what is the hold up. 
I have also made payments to NAVIENT which was my other service provider prior to consolidation with Mohela and under the rules, I was supposed to receive credit for all these payments as well. Mohela told me they would look into it and get back to me but they just send empty messages that don't directly answer my questions. I have also started repayments again on these loans under the PLSF but I feel I have made more than the XXXX payments and should be receiving money back for overpayment. The customer service is lacking at Mohela, when I called in XXXX I was on hold for over XXXX minutes and then received a person who was getting trained as my support staff. I knew more about the program than she did. Totally unacceptable. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
i never sign up for electronic billing, my acct show up late not paid on an e mail. purchase from XXXX and XXXX XXXX are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2023 I purchased {$500.00} ( + {$9.00} fee ) of XXXX  using my debit card. I then tried to transfer it to someone, and I got an error and it was denied. I then sold it so I could transfer it a different way and Venmo is now holding my funds until XX/XX/XXXX. This is hostage of my funds, and they should not be holding it. Ive used crypto for years and have never once had a company do this. This is completely dishonest in no way shape or form should they be able to hold my funds. They refused to refund my original purchase to my debit card or to do anything to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


CLOSED ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2023-11-22 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

CLOSED ACCOUNT : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2023-11-22 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: FL

Complaint narrative:
I first tried to find when my monthly statement would be available ( day of the month .. date or XXXX  XXXX  or something like that ) on the website. 

I tried using their " Live Chat '' only it is misrepresented because it is not a live chat .. just a XXXX bot. 

Then I tried emailing and got an email back ( several days later ) that said they were too busy to reply to my email and provided a list of useless, non-applicable, general links that failed to address my problem. Obviously a human nor a smart AI never read my email. 

Then I tried calling and after waiting 3 hours.. I hung up.

Just imagine if I had a real problem.

Why is it OK for NelNet to waste my most precious commodity- my time.

Great Lakes ( my previous loan servicer ) was WONDERFUL!!!!!!!!!!!!!!!!!!!

Which government agency ( a specific person would be great ) had oversight in approving the sale of Great Lakes to NelNet. They certainly didn't do their due diligence or quality customer service must not have been a criteria in approving this merger. It is obvious to me through this experience that NelNet is more concerned about making a profit than it is about helping customers in a timely fashion .... or in my case .... even at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


CLOSED ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
MOHELA has not provided me with a sufficient answer as to why I did not receive a billing statement 21 days before the due date. In my secure inbox, I received a direct debit notification on XX/XX/XXXX for withdrawal on XX/XX/XXXX. MOHELA claims they sent it on XX/XX/XXXX which is completely false. This is a violation of the federally published 21 day mandate. 

Additionally, the direct debit statement, which is not a bill, did not include any information as to the interest amounts accrued with all fields marked as not applicable. 

How am I supposed to continue to make payments and plan when MOHELA obfuscates information, makes it impossible to understand interest accruals, and does not send out actual billing statements? A direct debit notice is not a bill. Additionally, only sending notices to the secure inbox is not useful. I requested to switch to paper and have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX two hard inquiries that needed to be deleted i was not aware or approve this transaction. please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: Guild Holdings Company
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at these companys. I did not open these accounts and I am requesting that the account be closed and that I be absolved of all charges on the account. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions. A copy of the relevant federal law is enclosed.

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 2023-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at these companys. I did not open these accounts and I am requesting that the account be closed and that I be absolved of all charges on the account. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions. A copy of the relevant federal law is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NJ

Complaint narrative:
I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect

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