vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: TX

Complaint narrative:
Please refer my prior compliant against Wells Fargo XXXX on XXXX XX/XX/XXXX about the dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have Wells Fargo Autograph VISA credit card. On or about XXXX XX/XX/XXXX, I made purchase for XXXX  air tickets- XXXX -in one single transaction. XXXX made around XXXX  changes in the flight due to which I can not go and cancelled my XXXXXXXX XXXX  2 weeks prior to departure though 3 other family members went via XXXX XXXX assured me full refund as those XXXX changes were extreme and due to my job- I simply can not take it. But XXXX  rather than refunding my full ticket value to my credit card, XXXX made the refund in the form of XXXX travel voucher- which i never wanted. I tried to create dispute with Wells Fargo but online system didn't helped me. Later I called Wells Fargo on XXXX XX/XX/XXXX- talked to two agent. One agent made an excuse that the purchase is more than 6 months so now can not be disputed. One agent made an excuse that the purchase is more than 4 months so now can not be disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Even till now Wells Fargo couldn't do anything regarding this dispute. 
XXXX XXXX already charged my credit card for XXXX check-in bag and XXXX cabin bag for the entire flight from XXXX. But still my wife ( XXXX XXXX XXXX was charged for check-in bags by XXXX even when it was thru check-in. 

My wife filed CFPB complaint # XXXX on XXXX XX/XX/XXXX regarding the same. Wells Fargo is simply playing tricks with me and my wife and not doing anything against XXXX and XXXX XXXX. They keep on passing the buck to me and my wife to call separately. Finally today we were on the phone call with them at around XXXXXXXX XXXX central. 

Wells Fargo need to resolve this dispute efficiently and give us the resolution in a timely manner.

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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My card was lost I filled the dispute in a timely manner and reported the card went the the bank bank to get a new card now all of sudden you guys not trying to give my money back or and you guys trying to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Take a look at the attached documents. I request the bureau to initiate an investigation into these accounts, which are inaccurately reported as late, despite my punctuality.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: AZ

Complaint narrative:
It is of highly importance that you are aware and f FRAUDELENT accounts that were open on my good name. I dont know who this accounts belong to Im not liable for them. 
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 2023-12-18 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: AZ

Complaint narrative:
It is of highly importance that you are aware and f FRAUDELENT accounts that were open on my good name. I dont know who this accounts belong to Im not liable for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-12-18 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: IL

Complaint narrative:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to formally file a complaint and request your intervention regarding adverse actions taken by Capital One against my credit card accounts. The adverse action transpired on XX/XX/2023, and included the closure of one of my accounts on XX/XX/2023. 

The affected Capital One credit card account numbers are as follows : XXXX XXXX XXXX XXXX XXXX Capital One has failed to comply with the notification requirements for adverse actions, and I have not been provided with a clear and detailed explanation for the adverse actions taken against my accounts. Additionally, one of my accounts ( account number XXXX ) was closed on XX/XX/2023, with Capital One citing fraud and violations of the consumer agreement. Despite repeated attempts to seek clarification from Capital One, I have not received the necessary information to understand the basis for these allegations. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to assess Capital One 's adherence to consumer protection laws, specifically in relation to adverse action notification requirements. The lack of transparency and communication from Capital One has left me in a state of uncertainty and distress, and I believe their actions may be in violation of regulations such as the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

I am seeking the following from the Consumer Financial Protection Bureau : A thorough investigation into Capital One 's compliance with adverse action notification requirements for the aforementioned accounts. 
Assessment of the reasons provided by Capital One for the closure of account number XXXX, including evidence or documentation supporting claims of fraud and violations of the consumer agreement. 
Any relevant information or evidence that Capital One may possess regarding the adverse actions taken against accounts XXXX, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-12-18 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: MO

Complaint narrative:
I submitted a dispute by mail via certified mail on XX/XX/XXXX to XXXX and Equifax for verification of a student loan account that appears to have inaccurate information on my credit reports. I asked XXXX and Equifax to do a reasonable investigation in to this account to ensure maximum possible accuracy according to 15 USC 1681 E ( b ). I received my dispute results from both Equifax and XXXX and the information still is inaccurate. They both have failed to put who the account was transferred to which is XXXX. XXXX is reporting the account wrong because my payment is current and on time in XXXX of XXXX but then in XXXX of XXXX it shows that I am 90 days late on the account. There is no 60 days late or 30 days late so it shows that the account was current in XXXX then in XXXX its 90 days late that is impossible. This is wrong and inaccurate and XXXX fails to do a reasonable investigation which is a violation of my rights. Equifax is reporting the account wrong because they say my date of first delinquency was in XXXX of XXXX but I have proof that I made on time payments of XXXX of XXXX and Equifax did not provide any account history to show how much the account was delinquent in XXXX of XXXX it just starts from XXXX of XXXX ( 90 days late ) to XXXX of XXXX ( 120 days late ). There is no 30 day or 60 day late reporting and this is wrong. Equifax also is reporting a incorrect account number XXXX which is not even the correct account number for this student loan account I have evidence to prove that this account number is incorrect. This is a direct violation of my rights under 15USC 1681 E ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: KEYCORP
State: FL

Complaint narrative:
Hello, I have had to dispute the same account 4 times. They have a balance sitting in collections as a charge off for an item that was included in a XXXX XXXX which was discharged XX/XX/. They have updated it a few times and it keeps coming back. They are in violation of the bankruptcy automatic stay and the next step will have to be obtaining counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
LVNV FUNDING LLC IS A COLLECTION AGENCY THAT IS REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORT. THE INFORMATION THAT THEY ARE REPORTING IS IN CASE OF A DEBT THAT I SUPPOSEDLY OWE ON BEHALF OF XXXX. 

THE DEBT IN QUESTION HAS BEEN DISCHARGED BY THE ORIGINAL CREDITOR AND I HAVE RECEIVED A 1099C COPY B FROM THEM CONFIRMING THIS. 

LVNV FUNDING LLC IS ATTEMPTING TO COLLECT A DEBT THAT ONE, DOES NOT BELONG TO THEM AND TWO, THAT IS ALREADY DISCHARGED. THEY CAN'T COLLECT ON A CHARGED-OFF OR DISCHAGRED ACCOUNT. AFTER ALL, IT IS CONSIDERED TAXABLE INCOME. 

I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR MONTHS AND HAVE YET TO GET THE INFORMATION REMOVED FROM MY CREDIT REPORT. 

IT IS THE CFPB 'S RESPONSIBILITY TO HOLD THE COMPANY ACCOUNTABLE AND TO REFRAIN FROM ALLOWING THEM TO REPORT INCORRECT INFORMATION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MO

Complaint narrative:
XXXX XXXX XXXX is attempting to collect debts that are under {$500.00} from up to four years ago. That under the current Administration are to be forgiven, and not sought after by third party collectors. This company is attempting to collect on multiple debts infringing upon the current medical debt forgiveness under {$500.00}. I was also told via text message I was sent a letter in regards to these debts. I have never personally received a letter regarding these debts prior to my first received text message from said company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have sent numerous letters to the XXXX credit bureaus asking them to update my personal information such as my name, address and employment history. The XXXX credit bureaus have not updated my personal information. 


I have attached a copy of my driver license and current utility bill which reflects my current address as proof of identity.

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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I've been a victim of a massive identity theft and had my citizens Bank account drained along with a citizens Bank credit card. I've provided all the evidence they have requested at least 4 times. They continue to transfer me from debt to dept with no response or money reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I see a credit collection account from Credit Collection Services ( XXXX ) on my credit report saying i owe {$61.00} from XXXX. Now this is the first im hearing of this so i asked them for paperwork which they refused to send me. This doesnt make any sense because i used to pay the car insurance on a bi-monthly basis so why would the amount be {$61.00} it doesnt make sense. i let my insurance expire and i switched companies. This collection account caused a XXXX point drop in my credit score and is really hurting 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 2023-12-18 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: NJ

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 non-monetary relief
Consumer complaint received 2023-12-18 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
AFFIRM INC Account # : XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. As a consumer, I have a Federally protected right to privacy pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am an elder person with XXXX XXXX XXXX, and i wor very hard to have a sweet home, due to XXXX XXXX i had a very hard situation and my expenses increased and my incomes decreased, so for that reason a was unable to pay several bills, including my mortgage, i spent all my business and personal savings to try to pay my medical and personal bills. 
Now i am back to continue working i am trying to resolve my mortgage payments, i have been trying to get loans to pay the past due amount and i get some pre-approvals which i have sent it to my lender but at the last time they do not qualify me for the loan so i could not make the payment, then when i spent all my resources to pay the full past due amount, i tried to apply for an option with my lender SPS to at least start with my payments and find a solution for the past due amounts, i spoke with XXXX back on XX/XX/XXXX, she told me my application was denied but they have an special XXXX and that i might qualify for it, she made a financial interview and i told her i was able even to pay more than my monthly payment just to resolve that debt, she told me as this is an special XXXX it takes like 7 days for an update. Then i call on XX/XX/XXXX, and spoke with someone from Ombudsman and he told me i was approved with the XXXX and provided me the new terms and sent a copy of the new terms. Then i called on XX/XX/XXXX to accept the terms and continue with my payments on XX/XX/XXXX and a representative told me they are not going to accept to continue with the XXXX as there is a sale date on XX/XX/2023. Eventhough on their terms says they can postpone when there are 34 days before the sale date and in that day there was 39 days. Then they told me that they will not proceed cause i can not afford cause i told them that, they have recorded calls and they can listen the calls cause i NEVER said i can not afford it, and i showed them my Bank Statement where it shows i can do it. Then they told me they can not proceed as the sale date has been postponed twice in the past. But this is not a postponement at the end as i will start with my payments on XX/XX/2023. We submited a request to continue with the XXXX as all the reasons they gave us are not valid, and i called on XX/XX/XXXX to Ombudsman and i spoke with XXXX, he told the request was denied. I requested a Sup to resolve this situation and they just did not want to take my call. 
I give you permission to share my situation with everyone until this gets resolved. It does not make sense they approved me and then they just tell me they can not proceed with something they approved, like, why did you approve me then?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: MD

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Navy Federal Credit Union is insured under the National Credit Union Administration for up to XXXX on each members deposit account so my account is insured for XXXX yet Navy Federal Credit Union has charged me XXXX insufficient fund fees which are charged {$29.00} for each one. This is ILLEGAL as Navy Federal Credit Union did NOT take a loss due to my account being protected with insurance. Navy Federal Credit Union is not only keeping the insurance for my account but the interest payments as well for each deposit so I can not be charged when Navy Federal Credit Union is already keeping ALL the proceeds as the custodian over my account. Custodial Accounts The combined balances in a minor 's custodial account ( an account established under the provision of the Uniform Transfers to Minors Act ) are insured separately from funds the minor or custodian has in other Navy Federal accounts, and receive separate insurance coverage for up to {$250000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief