vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: OK

Complaint narrative:
Provide proof that the 15 USC 1691 c ; 15 USC 1642 ; USC 1681M and USC 1692K doesn't apply to them. They denied me of my credit and violated my rights. I stated my credit worthiness and the chose to discriminate me. I have sent 3 notice of their law breaking via certified mail. I explained their actions qualify as an adverse action on a consumer and it is unlawful for any creditor to discriminate against an applicant with any aspect to their credit, withholding access to my securities is securities fraud.

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 2024-01-30 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

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 2024-01-30 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
Harris and Harris keeps calling an address that I havent lived at in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I ordered my early warning services report and my entire banking transaction 's are listed in that report. According to early warning services the financial institutions I have banked with over the course of my entire banking history, my bank has provided them access which was in direct violation of my privacy. These individual banks are in clear violation of the terms and conditions the provided me, ensuring that they would not provide my banking information to non-affiliates. XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX are non-affiliates and have been given my personal banking information. I have not received even one opportunity to opt out of said reporting, which my personal information never should have made its way to these third-party companies. These companies are in clear violation of XXXX XXXX XXXX XXXX of opt out notice to consumers ; opt out methods. 

( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I initially called in XXXX last year to report charges as fraud through prosper credit card. My credit card was physically stolen and used. Since then, I received a brand new credit card number and got no response afterwards. I then called a few more times over the next few months to follow up. There has been nobody calling me about this. The charges that are fraud are from XX/XX/XXXX. There are 12 transactions total. 1 was declined. 

This is what I see on the app : Everything on XX/XX/year> XXXX XXXX ( denied ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Total of XXXX I have called numerous times and in XXXX was told no fraud claim has been filed. Since then, Ive contacted them 5+ times with no updates. I just contacted them again today and the representative supposedly filed a claim. They say that there is no claim number or anything. I even sent emails. Ive contacted the bank that sponsors prosper card services and the lady tried to help me get them to contact me. Still nothing. 

I was told through a recent email that back in XXXX, I never reported the charges as fraud which is either a lie, or their mistake. I 100 % reported these charges as fraudulent and I think the representative made a mistake. Either way, I contacted prosper and made sure to let them know about the fraudulent charges. As far as I know, the representative may or may not have filed a claim but I have no idea. They cant give me any information and it is very frustrating.

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 2024-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
Received letter from American Coradius International LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, dated XX/XX/XXXX and received XX/XX/XXXX ; stated I had a XXXX, XXXX balance as of XX/XX/XXXX. 
This communication is from a debt collector. Total amount of debt owed : {$91.00}. This is the very first time of being made aware of this debt ; this is not my debt. Do not know what this charge is for???? 
Returning letter back XX/XX/XXXX, to dispute charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Sykes,Bourdon,Ahern & Levy, P.C.
State: VA

Complaint narrative:
This complaint is concerning a debt collector without permission accessing my employment data report from the work number from XXXX on XX/XX/2024. Companies are only allowed to procure my data from this report if I give permission to do so. Having a debt collector accessing this information illegal violates my rights according to the FCRA. This can damage my chance for future employment and future housing opportunities. If someone is looking to verify employment or income they must allow me to direct them to XXXX which this debt collection company Skyes , Bourbon , Ahern & Levy P.C did not do. Plus the data report states they accessed the report for employment purposes. I never applied for a job with them or applied for any type of product or service that allows them access to my report. Accessing my data report for employment purposes is false and violates my rights according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
Under section 809 ( b ) of the Fair Debt Collection Practices Act, upon written consumer request you are required to provide proof and verification of any debt being collected. Therefore, I hereby formally request that you provide the following within 20 days : XXXX. A copy of the original XXXX XXXX XXXX or Assignment document legally transferring this specific account and amount from the original creditor to your collections company. 

XXXX. Proof that you are licensed to collect debts in Texas. 

XXXX. A copy of your complete records on this alleged debt, including the chain of title documenting proper transfer of this debt 's ownership from the original creditor to any subsequent owners, culminating in your company. CERTIFIED COPIES ONLY in order to ensure no alterations or modifications to original documents. 

NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION OR VERIFICATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS, i.e. MERELY EVIDENCE OF DEBT. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.

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 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We attempted to make a claim for a burst pipe on our home to XXXX XXXX. XXXX XXXX informed us that our policy had been canceled since XXXX for non-payment. Our Mortgage lender at the time in XXXX was Wells Fargo. They were responsible for paying for insurance and taxes out of escrow. In XXXX XXXX XXXX  we were notified we had a shortage on our escrow account of {$520.00}, we paid {$520.00} on XXXX XXXX XXXX We had been notified by XXXX XXXX XXXX XXXX ( where we got the policy for XXXX ) that the mortgage company hadn't paid the renewal premium yet, but since we had paid into escrow we knew the money was there and that Wells Fargo would pay. 
We called Wells Fargo today, XX/XX/XXXX after finding out that our XXXX XXXX XXXX XXXX had been canceled in XXXX, upon speaking with a customer service rep, they said XXXX had never billed Wells Fargo for the insurance premium and there was no information about cancellation until XXXX XXXX XXXX. We as the customer never got information from Wells Fargo that they didn't pay the premium and we never got notification from XXXX that our policy was canceled, nor did Wells Fargo notify us that our insurance was canceled. Wells Fargo said they would open a work ticket to investigate this information further. 
Our mortgage has since been transferred to XXXX XXXX XXXX in XX/XX/XXXX. We called XXXX XXXX XXXX to inquire why we weren't notified from them that we had a mortgage without home insurance. After talking with multiple departments on the phone, it was found that when the loan was transferred to XXXX XXXX, Wells Fargo had marked our Earthquake policy through XXXX insurance as our " Home owners insurance '', and so until we called, XXXX XXXX had marked down that we had home owners insurance through XXXX, but it's just Earthquake insurance ( this was a supplemental insurance because with our XXXX policy they did not cover earthquakes ). 
We also called XXXX XXXX XXXX XXXX which is our agent through which we got the XXXX policy, their records showed that we still had a home policy through XXXX. When they logged into XXXX XXXX XXXX our policy showed as canceled, but XXXX never notified XXXX that it was canceled, they are opening a ticket with their system to contact XXXX and get more information.

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 2024-01-31 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-01-31 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Due to a storm in XXXX, we experienced damaged to our roof. We filed a claim with insurance company to fix it but received the run arounds. They also increased our premium significantly. We were unable to renew the insurance with that company or purchase new insurace due to damaged roof, causing us to lapse in coverage in XX/XX/XXXX. Our mortgage serving company ( XXXX ) notified us that they would add XXXX XXXX XXXX ( XXXX ) on our home for {$7800.00} for the remainder of the 2023 year. In XX/XX/XXXX, we were charged an additional {$1500.00} on our mortgage to cover the cost of the ( XXXX ). In XX/XX/XXXX, we receive a letter from XXXX stating that our mortgage was transferred to a new serving company ( XXXX ) and that they cancelled the XXXX. In XX/XX/XXXX, we received a letter from XXXX stating that we needed to acquire homeowners insurance by XXXX or they would add XXXX XXXX XXXX on our mortgage. We ended up getting our roof repaired and acquired insurance through XXXX. We paid the premium in full and sent XXXX proof of coverage and payment to via provided email address and physical address. XXXX went ahead and made an additional premium payment to XXXX and billed against our Escrow. 

Though we did not have XXXX XXXX XXXX through XXXX we have been charged the additional {$1500.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We contacted both servicing company to find out why we were still being charged the cost of XXXX for the months that we did not have insurance and have been given the run arounds. 

We have requested in writing that XXXX completes an Escrow analysis and refund us of all money paid in excess. That has not been done. We requested that they request a refund from the insurance company of the double payment to bring out escrow back into positive. That has not been done. 

Every document we submit to XXXX has magically disappeared. Every conversation has conveniently not been documented. We are frustrated, scared, and believe that we are being set up to lose the home we've worked so hard to purchase and maintain. We do not know what else to do to stay in our home and have the servicing company do what is ethically, morally, and legally correct. 

Please assist us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: VA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 



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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo unfairly prevented me from making modifications to my mortgage loan in order to avoid foreclosure. My check for {$200.00}, received in XXXX of 2023 is not nearly adequate compensation.

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 2024-01-31 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit
State: DE

Complaint narrative:
I am a victim of ongoing identity theft, my Social Security card, birth certificate, ID, Social Security card, as well as other financial tax documents, were stolen from my house years ago. I filed a report with the ftc and my local police provided vw credit with this info and they failed to delete this from my credit report or send me any documents that this would be deleted. I reached out to Volkswagen credit multiple times in regards to this XXXX XXXX XXXX that someone stole my identity to co-sign on and obtain. Today I spoke with a manager and she said she was sending me another packet after I waited weeks already!! I do plan to obtain a attorney if this is not resolved

Company response to consumer: Closed with explanation