vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I Am a natural man and consumer. I was impacted by the so called 2017 XXXX data breach. I am spending incalculable hours and energy trying to keep up with the fraudulent accounts and inquiries appearing on my personal consumer credit report. This is the third cycle ( 30 day increment ) that I'm sending out disputes to XXXX, Trans Union, and XXXX. Trans Union has sent me stall letters and postcards after each of my disputes stating that they applaud my decision to take control of my credit, but they continue to completely and willfully violate the FCRA by stating that my letters, which have my identifying information, doesn't appear to come from me. First of all, the FCRA does not stipulate that a consumer must notify any credit reporting agency that they are working with the assistance of someone else. Secondly, Trans Union is a multi billion dollar corporation that does not know me personally, so how can they possibly determine what my mail seems like? XXXX continues to send me form postcards that are essentially stall letters as well, stating that my proof of address is insufficient, thereby denying me my right to challenge or dispute any information that is inaccurate erroneous or incomplete, and therefore access to my consumer report. The law states that upon receipt of dispute, a CRA must initiate a " reinvestigation '' of the disputed information, and complete it within 30 days. I am now approaching 70 days with no progress. I've submitted proof of my being a longtime victim of identity theft and the law states that ANY ITEMS THAT ARE REPORTED TO BEE THE RESULT OF IDENTITY THEFT MUST BE BLOCKED WITHIN 4 BUSINESS DAYS. FCRA 605B ( 15 USC 1681c-2. XXXX and XXXX continue to report a fraudulent account from XXXX and company called XXXX ( XXXX XXXX ). I've contacted XXXX  and they said they'd forward it to the fraud department, but all that's happened is they verified the accuracy of the information to the credit reporting agencies.

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 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX, the bank debited my Regions checking acct for {$50.00} in error. This checking acct and several others were previously joint accts with my mother. She also had some accts in which she was the sole owner. She died on XX/XX/XXXX. After her death, I took her death certificate to the bank and had her removed from our joint accts and closed all the accts on which she was the sole owner. Apparently they missed closing one of her solely owned accts which had a {$50.00} annual fee and they debited my acct for that fee. I would like to be reimbursed this {$50.00}. I was told by XXXX XXXX, the branch manager ( XXXX XXXX XXXX phone ) that I would not be reimbursed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit.

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 2023-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Some one tried to open an American Express Card in my name, at an address I have not even lived at in over 40 years. My sister still lives there and got these things in the mail. I am assuming someone either stole my SSN or is fishing. I have not contacted American Express since I do not " trust '' doing this. I have contaceted XXXX concernign this, and they can find no records of any activity on their end, but the notices, etc keep comong in the mail to my sisters address ( place I have not lived in for over 40 years ). I am suspicious that someone may have picked up my name, SSN, etc due to activity in the last few monts of recovering an old pension fund I had, which was issued over 40 years ago when I did live at that address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was purchasing a new car on XX/XX/. While the finance manager was running my credit report, he received and error stating my social security number did not match what Equifax had on file, causing several banks to deny credit for my purchase. I called Equifax the same day and was told to submit a letter and a request to unfreeze my credit report. On XX/XX/, I submitted a request to unfreeze or unlock my account, with proof of identity supplied. On XX/XX/ I received a notification from Equifax stating they were unable to locate a credit file for me due to one of these reasons : You have not applied for credit recently. 
You have not actively used credit in the past ten years. 
You have not lived in the United States or have not been issued a U.S. Social Security Number. All of which is incorrect. The main reason I contacted Equifax was due to the fact that I have no credit report with Equifax ; however, my credit report is fine with XXXX and XXXX. This tells me that there is, or has been information entered incorrectly through Equifax directly, and Equifax has not been helpful in correcting this error. I have student loans, credit cards, and even a car loan in the past, so there should be no reason for Equifax to not have anything on file for me, unless they have the incorrect social security number and or my name mixed with someone else. I'm hoping this gets resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I had fraudulent activity on my Credit Card with Welks Fargo, I spoke to the Fraud Department and file an investigation and told them that I was not responsible for the charges XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX KS XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
All of these were put back on my Credit Card because they said that they did an investigation and the card was in my possession which it was not, it was lost, I'm not going to pay for something that I'm not responsible for. 
Wellsfargo in my opinion is horrible.

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 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
Description of Complaint : Impacting Credit Score ( Caused by M & T Bank ) XXXX XXXX reported I had a late payment in XX/XX/2022 due to an error by M & T Bank. 

My online payment did not process due to my bank after People 's United Bank was bought out by M & T Bank and a processing error occurred from M & T Bank 's end. 

XXXXXXXX XXXX  then reported a late in XXXX XXXX XXXX to Credit Agencies. 

The processing error was completely outrageous because M & T Bank said in writing they would honor the old account number from People 's United Bank and did not honor this. They have had tons of trouble with their online banking and this bank under current lawsuits in the state of Massachusetts. 

This bank should be held accountable for these types of errors.

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 2023-04-22 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: OH

Complaint narrative:
The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. XXXX bureau, XXXX has since removed the XXXX XXXX XXXX XXXX # XXXX, file since filing my last complaint on XX/XX/XXXX. XXXX once again verified the, '' XXXX XXXX XXXX '', account again on XX/XX/XXXX. Which contradict the other XXXX XXXX XXXX even went as far to update the XXXX XXXX XXXX XXXX a file they know is inaccurate. Even after I supplied the documents showing conflict between the three Bureaus so-called verified accounts. All three Bureaus still have not removed the XXXX XXXX XXXX # XXXX file. Even after their so-called verification and investigations which were never showed proving to be factual or accurate. Equifax violations total is 35, between the 3 accounts. XXXX violation total is 20, between the two accounts. XXXX total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
Best Buy 's Citi bank credit card is spreading payments out on promotional balances, in an attempt to push people past promotional due dates and collect interest. They must have quietly changed there polices recently as I have fallen victim to this getting hit with a past due interest change after establishing an appropriate payment schedule. I would have paid all my promo balances off on time if applied to the balance with the soonest due date.

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 2023-04-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have informed the credit bureau of fraudulent activity on multiple accounts that I have no knowledge of I have made many attempts to inform them and have this issue resolved immediately along with having the items removed and sent a copy of updated changes

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 2023-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
I have requested via email on the XXXX of XX/XX/2024 and again on the XXXX via email along with a follow up phone call on the XXXX  to Cross Country Mortgage. I requested in writing the policy for removing PMI insurance. Our value is higher than the 20 % equity required to justify PMI, We have invested over XXXX into our home and would like to have the mortgage insurance removed since it is no longer applicable. The company has only responded with a letter acknowledging the request, but has not provided the information requested. I have come to the conclusion that they are attempting to prevent me from removing the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
This company needs to be looked into for how they structure their student loans. They separate the loans by semester therefore youre paying additional interest, unnecessary reporting on credit file, etc. In addition, they call non stop and mail a plethora of notices weekly. Something is not right about how they do business and needs investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
In XX/XX/2023 I was looking for a loan to pay off credit card bills. I submitted online applications through a website that provided a listing of loan providers with different rates and plans to compare. I went through a reputable company, and over the past four months have had my bank account hacked by fraud companies and did receive a loan amount for {$1200.00} in my checking account. I have contacted the company, Wahido Lending aka River Valley Loans to ask why they sent me the loan. They claim I applied for the loan. I asked for a copy of the application. They said they don't have it. I asked for a copy of the loan contract. My signature is typed in and my name is spelled wrong. They claim I signed the contract. I did not. They are charging 700 % interest on {$1200.00}, They also are taking {$320.00} from my bank account twice a month with out my giving them authorization. I revoked the ACH and requested they provide me with the application used to establish the loan. They claim they don ; t have it becasue it was sent online. The contract reads that becasue they are a Tribal sovernty they can not be sued and are not liable for any civil claims. They also claim they don't have to follow state or federal lending laws including 700 % interest rate. Now they are harrassing me with wage attachment and say they have legal rights to take payments from my debit card and will continue taking my money twice a month. I need help. They are very dishonest and commiting financial fraud. I told them I am filing a fraud complaint and they don't stop. What can be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NM

Complaint narrative:
I have disputed fraudulent charges which on my card on multiple dates and they were all denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
These accounts are not mine, I noticed them when trying to make a purchase. 

XXXX XXXX {$8000.00} opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$3100.00} opened XXXX. XXXX 15 u.s.c 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion harassment Of XXXX XXXX by Spamming his mail box with the information provided and not investigating and or solving the issue at hand which is student loans that are past the age and need to be taken off of XXXX XXXX Credit report. 
Closing the case by just sending mail of the Loan as it appears on the website... 
Harassing mail documents Please ask TransUnion to cease stop harassment... 
I am getting aggravated Tell Transuion to do some work... 
TransUnion has not upgraded XXXX XXXX XXXX XXXX for the month of XXXX Again please inform TransUnion to do some work and get the message at hand .... 
Workers at TransUnion are getting paid to do a job and unfortunately they are not getting the message after the 20 the time of complaining.. 
Apparently their are no supervisors or head that keep their workers accountable and make sure that people who depend on them while they have more important things like life issues while TransUnion sleep and drink coffee all day... 
Respectfully This is the letter received from department of Ed Again for the 20 the time close student loans XXXX XXXX XXXX XXXX reoprt Remove student loans from XXXX XXXX Credit report And remove delinquency from credit report because the age is more than 7 years as stated by law Transuion closing cases Stating that they solved the issue By spamming mail box .. harassment Threatening mail and not handling the issue at hand

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 2023-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
This is a complaint against Wise, formerly known as TransferWise. 

I made a money transaction on WIse on XX/XX/ to purchase a designer handbag in the amount of USD XXXX ( {$8000.00} for the bag + XXXX Wise fees ). Transfer was completed on XX/XX/, the recipient received the money. On XX/XX/, I received the handbag. On XX/XX/, I received the authentication results that the bag is a knockoff, fake, counterfeit bag. I contacted the scammer ( aka the recipient of the money on Wise XXXX, there was no response ever since. 

On XX/XX/, I filed a police report through U.S. Federal Trade Commission. I also reported the scam to Wise on their website. 

On XXXX, I called my bank and reported the scam to them and they said they will investigate and do a reverse withdrawal if necessary. 

XX/XX/, my bank initiated the reverse withdrawal. 

XX/XX/, Wise responded to my scam report, straight denying that it was a scam, and they do not handle disputes among their customers. So no actions were taken by Wise in this scam. Also on XX/XX/, they demanded me to pay them back the money I got scam after my bank did the reverse withdrawal. 

I told them the scammer ( aka the recipient of the money ) is liable to pay Wise back the money, not me, the victim. After a few other communications with Wise, they sent me a final formal notice on XXXX, that I am liable to pay them back the money I got scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX of XXXX, PA was to help me with a work related assignment but she never showed up to the job site. Upon mentioning my concerns for the money sent back to my account she replied with a scammy message. 

Since XX/XX/ I've requested the money nearly 5 times via XXXX and no response. 

I've contacted my bank and they've stated it will take 45 business days to research into the claim I opened against her account. 

Therefore, I'm submitting this report to have the police contact her personally at XXXX ( XXXX ) XXXX. 

Perhaps the police can help her to release the funds that do not belong to her. 

Someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I reached out to my mortgage company regarding my year end tax statement. According to their records I payed significantly more in interest during XXXX than I had in XXXX. I have a fixed interest rate and pay additional principal each month. When I looked at my monthly statements I noticed that the amount of interest paid was no where near what was reported in tax statements. I reached out in XXXX and spoke to a live person over the phone. I received an email saying I would get an answer within 15 days. I have not received any communication since then. My mortgage company is nationstar mortgage llc

Company response to consumer: Closed with explanation