vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this dispute regarding Equifax, XXXX, and XXXX Credit Bureaus from XX/XX/2022. I submitted substantial documentations that all Credit Accounts on my account as PIF with proof of payments for each with a 1099C. The accounts were never resolved and after exhausting all other resources, I have been forced to complain against these agencies again. 

I also filed a complaint with your agency and never received a response or a resolution so this is also my second attempt with your agency. 

I wish for this to be resolved asap as it has caused substantial harm to myself as well as my potential in obtaining more credit with better rates/contracts. 

I have also requested all eroneous information regarding inquiries/wrong address information be removed or updated. Requests were not honored causing further harm to me per my inability to obtain more credit with better rates/contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: ND

Complaint narrative:
An insurance claim was filed on our barn due to damage from snow load. We first contacted Freedom Mortgage Company on XX/XX/XXXX regarding the insurance check process since the checks were made out to Freedom Mortgage, myself, and my wife. On XX/XX/XXXX we sent Freedom Mortgage Company XXXX checks from our insurance company totaling {$52000.00}. Both of the checks were signed by my wife and myself as directed by the mortgage company. One of the checks stated " For Deposit only '' with our bank account number on it. Instead of sending us back our check that stated " For Deposit only '', Freedom Mortgage cashed our check and held all of our money. Is that not against the law?? 
We have contacted them multiple times attempting to resolve the problem, ( dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all from XXXX ). I requested to speak with a supervisor on XX/XX/XXXX at Freedom Mortgage Loss Draft Department and was told one would contact me in XXXX hours, it is now XX/XX/XXXX and I have yet to hear from a supervisor regarding this issue. An inspector came out to our property on XX/XX/XXXX to view the completed work so that he could notify Freedom Mortgage that the work was in fact completed. On XX/XX/XXXX, we received 75 % of our insurance money from Freedom Mortgage via a check. We should have received the full amount back from Freedom Mortgage since the work is complete, but they are insisting our contractor complete a " Waiver of Lien '' form. They refuse to give us the remainder of our money even though the work is complete. 
Due to the length of time this process has taken it has created a financial hardship for us, causing us to have to pay for materials, labor, etc out of our own pocket. We are now coming up on a month of Freedom Mortgage holding our money, which could have been used to pay the contractor or it could have been accruing interest in our bank account, but instead is supposedly being held in our escrow account. If that is the case, then any interest accrued should be mine and not Freedom Mortgage.

This whole process has been nothing but a nightmare. Freedom Mortgage has been extremely difficult to deal with and I am concerned that they are breaking the law by cashing our check when it explicitly states " For Deposit only '' with account number following.

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 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I paid off my deceased husband 's loan to Axos Finacial and they finally sent a refund check for the gap insurance but make it out to my deceased husband. He is now off the bank accounts so I can't cash it. Here is the email I sent them a month ago which they have not responded to : Four days ago, I emailed you about this problem, and I have not yet heard back. 

This is a difficult time for me as I am still mourning my husband of XXXX XXXX who I lost last XXXX. I am XXXX XXXX XXXX and navigating all this paperwork is hard for me, particularly when you do not respond in a timely fashion. 

On XX/XX/XXXX, I finally received your refund check for the gap insurance, but it is made out in my husbands name, not mine. He died unexpectedly and did not have a will. When he passed I removed his name from our bank accounts as I understood thats what I was supposed to do ; therefore, I need the check made payable to me. 

Also, I began this process of paying off the loan on XX/XX/XXXX. In the past, I have paid off car loans and bank loans many times and the process has always been that when I call they give me a payoff number that is good for 10 days. After many phone calls and emails on XX/XX/XXXX ( 33 days after I first contacted you ), you provided a payoff amount that you demanded be wired. The amount included a charge for the 33 days of interest that I would not have had to pay if you had responded in a timely manner. I calculate that to be approximately {$500.00}. 

Its upsetting for me to go through this process of selling my husbands truck as it was his pride and joy and he added a lot of custom features, even having a custom canopy built for it. But finances force me to sell it and you are making the process much more trying. Within ten days of the date of this email, I ask you to please respond to me, reissue the check in my name, and refund the interest due me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited an insurance claim check from XXXX for XXXX in the ATM and forgot to endirse the check and now Wells Fargo is holding the check for 10 days before processing it again.

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 2023-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
This PNC account at was my father 's, who passed away on XX/XX/XXXX. I went to the XXXX XXXX NC branch prior to his death and presented my POA papers to scan/fax to the appropriate department. After his death, I went to the XXXX, NC branch and took his death certificate and paperwork from the attorney and asked what additional paperwork I needed to be listed on the account. They said there was no record of any POA paperwork on the account or my name anywhere on his account. I told them we would be selling the property to pay off the account. They took my paperwork and faxed it to some department ( not sure where? ), and told me to check back in a week. I went back the next week and they said there was no record of my paperwork and they would need to fax it all again. They assured me I had everything I needed and it would get to the right department and to call back in a few weeks. I called back a week before closing and there was still no record of any paperwork or my name on this account. By XX/XX/XXXX, the closing attorney said we could not close because I was not listed as successor on the account. On XX/XX/XXXX I went to the XXXX, NC XXXX branch and again had them fax all of my paperwork in. They sent me over to speak with XXXX XXXX at the XXXX XXXX. XXXX called XXXX XXXX at the XXXX office who was extremely rude and told me that I had not turned in my " successor packet '' and there was no way we would be closing on Monday. This was the first time anyone at PNC informed me of the packet. XXXX was kind enough to print off the packet information and FAX it again to the probate department. XXXX would not let him email it. I went home and contacted the probate department again and XXXX XXXX asked me to email it to her. She asked for my previous marriage licenses. Which took me until Monday XX/XX/XXXX to get. This pushed closing back to the XXXX. I was told I needed a letter from PNC stating the account was frozen so I contacted them on the XXXX asking for that. Probate again told me they had to send a request off to another department but would escalate it. I specifically asked them to email it, however I found out this morning they mailed it instead. This will push closing back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/2023, I requested to withdraw {$65000.00} from my XXXX XXXX account, run by Goldman Sachs. After seven business days as of today, this transaction is not yet complete and it's unclear Goldman Sachs has even started processing this transaction. I've been told by Goldman Sachs support that this transaction is " in the queue '' and that there's nothing I can do but wait more time. Their product experience says this transaction should take 1-3 business days, their support says 5 business days and we're now past that. They can not explain why this is being delayed nor how long it will take. I need to have access to my funds. I think this is inappropriate and Goldman Sachs is withholding my money from me. I have been calling Goldman Sachs every day since the third business day after my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2023 I login into my allybank.com account and notice there was several unauthorized transactions that happened on my account from a merchant called " Binance US ''. I called that same day to report this activity, and they ended up blocking my account because they were not able to verify me but also told me they noted down all of the 9 transactions this merchant did as fraud in order for the investigator to also look into.

It's been over 2 weeks and they still haven't said anything about the fraud transactions that happened on my account. They refuse to give out any information and keep saying over the 50 times I had called them they are " looking into it ''. I need my money back 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
my husband had 2 car loans with Chase Bank I have tried since XXXX XXXX  to take legal financial responsibility in order to properly insure both vehicles and add my name to car registrations. I have emailed and faxed all supporting documentation to the bank. I have also reached out via phone and their response is that it is against their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on the credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. The following accounts are not mine, I did not open any of them, and I am not a debtor : XXXX  XXXX ( account # XXXX ) and XXXX XXXX XXXX ( account # 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 2023-05-16 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I previously filed a complaint about Webster Bank and what I feel are their use of totally unethical and unscrupulous practices and tactics that take advantage of unsuspecting customers. Id like your agency to be aware that I was charged a fee without being notified or receiving any explanations or justifications whatsoever why I was charged a fee. After contacting your firm Webster Bank claimed that this fee was because I am receiving paper statements, yet Ive searched my online bank account portal and there are no options available to switch from paper statements to statements by email. How are these charges right or fair when customers are not permitted or afforded the ability to change how to receive their monthly bank statements? I am not happy that the agency that is responsible for making sure that banks are operating in compliance or in accordance with the rules and regulations are not actively engaged in investigating customer complaints about fraud. I honestly expected that your agency would find wrongdoing and either issue violations or some sort of enforcement actions for there inappropriate conduct. It is extremely frustrating and aggravating that your agency does absolutely nothing but close continually customer complaints. When is your agency going to do what is morally and ethically right or correct? How many times must a customer bring to your attention that they feel there banks are operating outside of the law and taking advantage of unsuspecting customers with there bad faith and illegal actions and practices that I feel rip off and defraud customers that are struggling financially? I am taking my complaint to Eyewitness News and I hope that your agency receives the negative attention that I feel you rightly deserve because I feel strongly that all you continue to do is for cover up the inappropriate behavior committed by banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
my wallet was lost a few years ago and identity stolen someone has been applying for and using my credit for loans credit cards and other items. i have reported those items before and some are still on my report. I now have a freeze and fraud protection on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I was made aware and still get notices at hat over XXXX is being charged to my account for services I didnt sign up for. They say theyre through PayPal for home warranty services. I contacted the home warranty company and they said there is no such charg. Still Im getting the same notices!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I spoke with a representative from Experian credit bureau. I informed him that the po box they have listed XXXX XXXX XXXX XXXX NJ XXXX is incorrect. I asked him to remove the incorrect address. He informed me that he would not remove it because a creditor ( XXXX XXXX XXXX XXXX ) shows this incorrect address. This is my account and I am informing them it is incorrect. Why would he not remove this and go by a creditor, who has incorrect information. This inaccurate data can affect my credit score.

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 2023-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union is continuing to collect insert late fees and interest on a contract that was rejected and replaced with a promissory note that included no interest and no late fees. 

Navy Federal Credit Union is reporting this account as a charge-off although they are still receiving monthly payments on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
I can't go back without losing everything in the form thus far but I HAVE contacted the company to resolve this. 

I applied for a short-term loan from XXXX. The terms of the application said NO hit to my personal credit would happen. This is not the case. I received information that Headway Capital ran a credit report without my authorization.

I never contacted Headway Capital directly nor gave them permission to check my credit. I had never heard of the company until I received their rejection notice stating my personal credit was not up to their standards.

Company response to consumer: Closed with explanation