vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-10-30 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: MI

Complaint narrative:
This creditor has violated my rights causing me to be denied for housing. I have the right to privacy. A consumer reporting agencies can not furnish an account without my written instuctions. A creditor may not treat a payment on a credit account under a open end consumer plan as late for ANY PURPOSE. 

XXXX XXXXXXXX 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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am saddened with the result that I got when I saw my credit report. I send many dispute and still you cant remove the inaccurate information. The furnisher failed to send me a proof to support their claim on status of these accounts and yet you guys are able to verify your account? How can you verify these accounts? How can you verify these when the furnisher cant? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
they are saying I owe a debt from XXXX for {$100.00} I do not owe this debt it is identify theft, not my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Since XX/XX/, I have not been able to deposit checks from XXXX XXXX XXXX ( XXXX  ) to my Wells Fargo checking account. The XXXX  checks are drawn on a XXXX bank account. I have been successfully depositing checks from XXXX  for years. Previously, they used XXXX, which became XXXX. Same account number. 

On XX/XX/2023, I deposited a check using the ATM. I immediately received an email from Wells Fargo stating that there was a problem with the check and it could not be deposited. The check and the XXXX account from which it was drawn are both active and viable. I checked with XXXX, as well. 

And again, yesterday, XX/XX/2023, I deposited two checks from XXXX, totaling {$400.00}, into my Wells Fargo checking account. And immediately, received an email that the checks could not be deposited. 

Wells Fargo has not been able to resolve this issue. I suspect that there was a malfunction with the ATM in XXXX. 

I do not have access to the funds and I'm beyond frustrated that once again, I need to spend time on this.

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 2023-10-30 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: NV

Complaint narrative:
I am writing to formally inform you of my intent to take legal action against Experian, XXXX, and XXXX due to the reporting of fraudulent accounts in my credit report, which has resulted in severe financial and reputational harm. I have previously submitted an identity theft affidavit to your organization as evidence of the fraudulent nature of these accounts. Despite my efforts to rectify this situation, the damaging information continues to negatively impact my life. 
The law is clear that credit bureaus are required to report all accounts accurately. The alleged accounts in question were not opened by me ; my identity was stolen, which is the sole reason these fraudulent accounts exist in my credit report. To resolve this matter and avoid legal action, I demand the following information and actions : 1. Provide a complete log of all dates and times you attempted to contact me regarding these alleged accounts. If these accounts were established by another party, you must specify your relationship with them, whether you are reporting this information as an " assignment '' or if you have purchased the alleged accounts outright. Additionally, provide all account details for at least a year leading up to this action, including any collection fees or interest incurred. If you are a third-party collector, please furnish proof of your license or bond to collect in my state, allowing me to confirm your identity.

2. Present evidence of my wet signature on any relevant documents associated with these

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 2023-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Hello I have been a victim of Identity theft and these are not my account. 

they have reported a debt thats not owe by me.

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 2023-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Credit Karma, LLC
State: MI

Complaint narrative:
Attempted to open credit karma XX/XX/XXXX but it failed to open because it claimed it couldnt verify my information when i am well within the system. This is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2023 I called into NC State Employee Credit Union at about XXXX XXXX to order a new debit card because I had lost my debit card. I had to wait about 7 to 10 days to receive my new debit so I didn't receive it until about XXXX XXXX. On XX/XX/2023 fraudulent chargers came through my account that total {$320.00}. I immediately called the bank and spoke with someone and ask how did this happen. I was told that my old debit card was not cancel out properly and My old card was link to my new debit card. I just got this new card so I had even use it so I was very frustrated that I have to deal with someone else mistake by disputing the charges and waiting 10 days for the bank to investigate all because of their mistake. This was not fair to me. I asked to speak with a supervisor and the lady decline. 

Checking Account PROBLEM : Unauthorized Transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Subject : Discrepancies in Loan Documentation Provided by SLS Specialized Loan Servicing, I am writing to bring to your attention certain discrepancies in the loan documentation related to the contract. As per your correspondence you stated : Terms of the Loan On XX/XX/XXXX you signed a {$100000.00} Note secured by a Security Deed. Copies of these documents are enclosed for your review. 
On XX/XX/XXXX, your prior servicer XXXX advised of the XX/XX/XXXX transfer of servicing to SLS, and on XX/XX/XXXX SLS sent its corresponding Notice of Servicing transfer. 
SLS has applied payments as prescribed in the loan origination documents. 

Statement of Facts : The Security Deed provided by SLS does not match the original Security Deed obtained from the loan originator : XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ), and the XXXX XXXX XXXX XXXX XXXX XXXX. ( Please refer to the attached Original Security Deed. ) Specifically, the loan number on the XXXX Deed is : XXXX, while the loan number on the Notice of Mortgage Servicing Transfer is : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
The collection company only sends the amount of the debt but not the breakdown of the amount owed, and the dates the money was owed. The XXXX XXXX XXXX has also requested this information on numerous occasions on my behalf. I went to the apartment complex office to see if I could get this info and was told that a new managing company now manages the property and they don't show a balance owed in their system. The law offices of XXXX and XXXX ( that represented the apartment complex ) said that they sent the proof of payment to the Managing company they had on file but the apartment complex has not updated with the XXXX courts. XXXX and XXXX XXXX offices no longer represent the XXXX XXXX apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
My Wester Union XXXX XXXX was hacked. On XX/XX/2023, I received multiple emails regarding payment transfers from Western Union totaling to {$1400.00}. Right away, I called Wester Union and reported it but while i'm on the call, the transfers were still happening. And then it stopped when my bank ran out of money. The claim was filed then they told me to call XXXX XXXX XXXX My Bank ) to dispute it there as well. I did it and they said they will dispute it. And then recently I just received a letter dated XX/XX/2023 saying that they are closing the case and they said they lost it and they will not return my money. I've been calling them both ( Western Union and XXXX XXXX ) but they keep on telling me they can't do anything. I'm losing hope now. Its big money and it affects me and my family a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: FL

Complaint narrative:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 
XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Amended Complaint XXXX ( Wrong Security Deed was submitted for evidence, Disregard Complaint XXXX ) Subject : Discrepancies in Loan Documentation Specialized Loan Servicing I am writing to bring to your attention certain discrepancies in the loan documentation related to the contract. As per your correspondence you stated : Terms of the Loan On XX/XX/XXXX you signed a {$100000.00} Note secured by a Security Deed. Copies of these documents are enclosed for your review. 
On XX/XX/XXXX, your prior servicer XXXX advised of the XX/XX/XXXX transfer of servicing to SLS, and on XX/XX/XXXX SLS sent its corresponding Notice of Servicing transfer. 
SLS has applied payments as prescribed in the loan origination documents. 

Statement of Facts : The Security Deed provided by SLS does not match the original Security Deed obtained from the XXXX XXXX Clerk of Superior Court. ( Please refer to the attached Original Security Deed. ) Specifically, the loan number on the Security Deed is : XXXX, while the loan number on the Notice of Mortgage Servicing Transfer is : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
New Chase checking customers open a Chase total checking account will bonus XXXX XXXX 

On XX/XX/XXXX, we went to the Chase branch to apply for a card and activated the checking account on XX/XX/XXXX. However, the bank staff who opened the card for us did not tell us that we could get a bonus of $ XXXX.We didn't get a bonus, but the activity was active when we opened the checking account. 

I also sent an email to the bank staff on XX/XX/XXXX, but he told me that the feedback was too late to get the bonus for me. 

Since the staff of Chase concealed the bonus activity, I could not get the bonus I deserve, so I hope to get help from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Aidvantage stated that I had not paid my bill which I did for the month of XXXX twice ; one payment cleared my bank on XX/XX/2023 and another on XX/XX/2023 ; they stated my bill was overdue and it was not for month of XX/XX/2023. They then proceeded to change the length of my loan on XX/XX/2023 and updated the terms without my consent shortening the life of my loan by 8 years. The result was a much larger payment that they then lumped in with the payment for XX/XX/2023. I have been trying to call for 2 days to get through and have been sitting on the phone waiting to speak with someone for XXXX hour and 14 minutes this morning, XX/XX/XXXX since my bill is apparently late even though I paid it for XXXX twice already. I will be happy to provide account information as the loan, the page snips and documents have all been downloaded and saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: MD

Complaint narrative:
On XXXX at XXXX XXXX. Equifax ( Manager at Equifax ) denied me my rights under the FCRA and CCRA to file a dispute of a Hard Inquiry placed on my credit report/file by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A inquiry that I did not apply for to receive a hard inquiry. The Manager at Equifax stated to me directly that Equifax internal protocol is bigger than FCRA and CCRA, that the Sections of the FCRA 604 ( b ) ( 3 ) ( F ), 609 ( a ) ( 3 ) ( F ), 611 ( a ) ( 1 ) ( B ), 623 ( a ) ( 1 ) ( C ), 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 3 ) ( A ), 605B, and FDCPA 809 ( b ) means nothing because our internal protocol out way all the sections you are stating. Now, by me being a victim of Identity Theft my claim nor my disputed should been denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: NH

Complaint narrative:
I found inquiries that dont belong to me

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 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Prior to six months ago, I was able to Unlock and Lock my Debit Card every month end so that I can Transfer funds from my Ally Bank chequing account I named Payables, to my XXXX XXXX account, so that I can pay my XXXX XXXX 

I have never had any interest, penalty or fees for late payments on any of my accounts and the inability to Unlock my Ally Bank Debit Card to make the transfer to pay my XXXX XXXX XXXX XXXX XXXX ), is going to make that happen for the first time and Ally Bank should reimburse me accordingly. 

For six months now, I have been unable to Unlock/Lock my Ally Bank Debit Card using either their Web interface or their XXXX application interface. 

I have spent endless, countless now wasted hours, on the phone, in text and email, with Ally Bank over the past six months reporting this to them and every time they say it will be fixed in 2 days and it never has been for 6 months now. 

I found a workaround to Unlock/Lock my Debit Card, using their AI Text Bot, but when I kindly called to inform them of this workaround, that they admitted many customers were having the same issue, the next month end I tried using their AI Text Bot to Unlock my decor card, it was no longer working. 

It is like they are purposely blocking me from using my Debit Card.

Now I can not Unlock my Debit Card and they say they can not Unlock it either, so I literally have no access to my money and can not pay my bills. 

If XXXX XXXX puts interest/penalty/fees on my XXXX XXXX account, Ally Bank should not only reimburse me for that, they should have to pay me a penalty fee of {$100.00} for 6 months of wasted time, lack of minimal service and holding my money hostage. That {$100.00} minimum penalty should regardless of fixing the problem at this time, given I have wasted 6 months of my time trying to get them to fix this. In fact {$100.00} is nothing, it should be {$100.00} per hostage month for a penalty paid to me of {$600.00}.

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