vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I inquired with Freedom Mortgage concerning who their Indenture Trustee ( Bank ) is but I have not received a response as of today. 
XX/XX/2023 Emailed customer care ( No Reply ) XX/XX/2023 Messaged on the website asking if XXXX XXXX XXXX XXXX was their Indenture Trustee, who is responsibility for managing the XXXX for Freedom Mortgage. ( No acceptable reply received ) XX/XX/2023 Asked for a POC for the XXXX XXXX XXXX ( Responded but no answer ) According paperwork filed on the SEC.gov, Freedom Mortgage owner has a Blind Trust that is utilized. I am simply asking who is their Indentured Trustee ( Bank ).

Freedom Mortgage 's fiduciary duty responsibilities which include but is not limited to : Duty of Disclosure : The company should provide clear and accurate information to mortgage holders regarding their loan terms, interest rates, fees, and other relevant details, enabling borrowers to make informed decisions. 
Duty to Avoid Misrepresentation : The company should not engage in deceptive or misleading practices when marketing or selling mortgage products.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The consumer agencies XXXX, and Equifax are reporting inconsistent information regarding the accounts labeled XXXX with account numbers # XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX on my credit reports. Their reports on these accounts are not consistent with what XXXX is reporting as these accounts are not listed on the XXXX report. XXXX and Equifax are tarnishing my reputation and character with these inaccuracies and their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I had my loans serviced through XXXX who then sold them to a different loan servicer. The history of my loan with fed loan has been lost. I was never contacted about this change or who my new servicer is. I contacting multiple services. I finally figured out where my loans are being serviced currently, XXXX. I have not received any response from the new servicer after I submitted my request for repayment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did a transfer between my Chase accounts for {$6300.00} on XX/XX/25 and Chase will give me no time frame as to when these funds will be available. Please keep in mind this is from one Chase account to another so I can pay bills through my Chase checking account. I have spoke with five employees and only told they have no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: AZ

Complaint narrative:
On XX/XX/2023 I made a online payment of XXXX to Nelnet to Account group XXXX. 

At first the payment was misapplied to account AD. I contacted Nelnet customer service to apply payment to account XXXX. 

Today as of XX/XX/2023 upon logging into my Nelnet account online, there was no evidence of this payment anymore. 

This is the second time they lost my payments or didn't know what to do with the money this month. 

I guess I'll be making a lot of these complaints for the next several years. 
Attached are the current payment history and email confirmation of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received a letter from TD Bank verifying whether or not I opened a bank account. I called them immediately to let them know that I did not open the account. My SSN was used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a customer for XXXX  XXXX XXXX since XXXX. I have NEVER been late in my credit card payments, all my payment are current and paid on time. On XXXX, XXXX XXXX I called XXXX  XXXX  XXXX about a late payment reporting error took place, and advised me to reach out to the credit bureau agency who is reporting this error by mistake. I reached out to the credit bureau EQUIFAX in this case and never received an update for more than 30 days now. I am asking for this late payment error to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid 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: Block, Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I have an on going dispute with Afterpay, as I ordered some items back in XXXX from XXXX from XXXX. At the time XXXX was offering a VIP program I declined. I received and paid for my items through Afterpay I received those items and thought that the transaction was complete. 

Afterpay continued to charge for the VIP. I disputed these charges and closed the account that I used at the time. That account ended in XXXX. I called out to XXXX on XXXX and I have confirmation that the account was closed. 

Afterpay used the account ending in XXXX to continue paying for the Fabletics VIP membership that I no longer have. I DID NOT GIVE Afterpay permission to use this card. I guess I am still in dispute with them. 

I called the issuers for the card ending in XXXX disputed this transaction and canceled this card as well. I want them to stop. They are like a bad boyfriend with an STD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
These accounts are not mine Ive been incarcerated since 2011 I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : XXXX XXXX  acct XXXX, XXXX XXXX, XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX  acct XXXX,. inquiry XXXX XXXX,. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed according to the court FCRA Status please remove all above listed accounts and inquiries 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 non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am receiving calls from home loan companies when I did not apply for a home loan. The companies that called me said there was a hard inquiry with trans union whenI did not apply for a home loan.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have several charge off accounts that I did not authorize to be reporting in my consumer reports. The businesses have reported my account to the IRS as a loss but I have not received copy B of 1099 c resulting in me having discrepancies on my taxes. They are also reporting a balance still due when the IRS has paid it off. They are also still harassing me for payment.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
ive asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX This is a violation of the Fair Credit Reporting Act, and these disputed items XXXX not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Virginia Zip : XXXX Email Address : XXXX 15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under. 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Virginia Zip : XXXX Email Address : XXXX 15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under. 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/2023 I was victim to a phishing scam and had {$11000.00} fraudulently advanced from my credit card to my checking account and then my entire account balance fraudulently wired out of my bank account. When I talked to XXXX they immediately denied my claim. I then filed a claim with the CFPB ( Complaint ID : XXXX ) as well as with the XXXX ( XXXX ID : XXXX ) both of which XXXX responded to by asking for the full 60 day extension. When I spoke to a XXXX rep regarding the fraud on my credit card, they assured me that it was in my favor and that they wouldn't be charging any interest fees or cash advances while my case was under investigation. 

At the end of the month, I was still charged full interest fees for not only my actual honest balance, but for the additional {$11000.00} cash advance that Wells Fargo acknowledged in writing was fraudulent. I have now written multiple complaints about this to the CFPB with no change in response from Wells Fargo ( complaint ID 's : XXXX, XXXX, and XXXX ) who will not honor their XXXX liability fraud policy and are holding me liable for a balance on my credit card that they have acknowledged is fraudulent in writing. 

Additionally, I sent XXXX letters to Wells Fargo XXXX XXXX as well as the Credit Card XXXX XXXX on XX/XX/2023 to request a chargeback of the fraudulent {$11000.00} as well as an adjustment of my interest payments to what they should have been with only my actual non-fraudulent balance on it. My request for a chargeback and for the adjustment of my interest payments was sent to Wells Fargo on day XXXX of the 60 day period for which disputes can be filed and was received on day XXXX which was Monday XX/XX/2023. As of today, XX/XX/2023, I have received no response. 

Prior to the fraudulent transaction that occurred on XX/XX/2023, I had a balance of approximately {$4800.00}. With the XXXX XXXX APR that comes with my card, I was paying approximately $ XXXX {$70.00} in interest per month. After the fraudulent charge, and a new balance of approx. {$16000.00}, my interest charges have gone up to approximately {$200.00}. 

I am not satisfied with the responses that Wells Fargo has provided so far, as they are still refusing to honor their XXXX liability policy when it comes to fraud and are still holding me liable for a balance on my account that they have already acknowledged multiple times as fraudulent.

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 2023-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX I sold my sister 's car to XXXX XXXX for {$3500.00} via XXXX which she transferred to her name at NJ XXXX on XXXX. On XXXX XXXX I received an email from XXXX saying I had lost a dispute which I didn't know I had because the transaction was not covered under XXXX XXXX XXXX. ( see attached ). 
I called XXXX several times over the next several days to try to get some understanding and resolution. 
According to XXXX, XXXX XXXX notified her bank XXXX Bank of America ) that the transaction was unauthorized and requested a charge back which XXXX sent causing my account to go negative. I explained to XXXX about the car sale and sent them the Bill of Sale ( see attached ) but they said it was out of their hands because it was not an internal XXXX dispute but a charge back request for and unauthorized transaction in XXXX XXXX name from BofA. 
XXXX XXXX said she told both XXXX  and BofA that she had authorized the transaction and was not asking for her money back. She said her BofA account was hacked about 2 days before this happened to me. She said BofA closed her account due to suspicious activity so she no longer has an account there and they will not give her any information. 
XXXX says they can't help me and XXXX XXXX will not speak to me because I am not a customer of theirs. I'd really like to get my money back!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please see documents Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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 have no affiliation with these creditors and I did not make this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Hello and thank you On XX/XX/, I noticed a charge on my XXXX credit card ( Company is Capital One ) when viewing transactions online, that a charge, {$22.00}, was made XX/XX/ which was not my doing. I called the credit card company on XX/XX/XXXX, they documented the information I shared which was that this is not a charge I made nor a merchant know/have been. I told them I had the card in my possession so they then instructed me to shred as they were sending a new card. I received 2 letters dated XX/XX/XXXX  from Capital One : 1st one : confirming they have mailed the new card and that they have put a temporary credit 2nd one : states that they found insufficient evidence of fraud because information discovered leads them to believe that I or another account user benefited from the transaction. 

I immediately called again to dispute this letter because I did not make the charge nor authorized anyone else to do such a thing. They were very rude and abrupt and literally called me a liar. 

I really didn't want to pay for it however do not want my credit to be affected. Please is there something you can advise. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
The following accounts have violated my rights according to Fair Rights Credit Reporting Act. According to laws 15 USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 D ( 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 non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
The following accounts have violated my rights according to Fair Rights Credit Reporting Act. According to laws 15 USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 D ( 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