vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I obtained a new " Active Cash '' credit card from Wells Fargo approx. XX/XX/XXXX. 
I called WF to make a Balance Transfer to pay down my XXXX XXXX XXXX [ thru XXXX XXXX  ]. My WF statement shows the XXXX XXXX posted on XXXX 
XXXX XXXX XXXX XXXX informed us that they never received the funds. We requested WF investigate where the balance XXXX went. Wells Fargo sent me and XXXX XXXX the XXXX XXXX XXXX report which clearly shows that the funds went to a XXXX XXXX XXXX Bank account - NOT XXXX XXXX We've requested multiple times that Wells Fargo credit this transaction on our account because the funds transfer was never sent to XXXX XXXX XXXX XXXX. We've had numerous phone conversations with WF and each has been recorded by WF- we can provide the case numbers as proof of these calls. The amount is stiil outstanding on the XXXX XXXX XXXX Account and the balance transfer is still posted on our WF account- it has not been reversed or refunded. XXXX XXXX consequently closed my XXXX XXXX XXXX Account as well as another account I had with them [ XXXX XXXX ] - the XXXX XXXX card had a {$0.00} balance.

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 2024-02-08 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: TX

Complaint narrative:
I submitted accounts to all XXXX credit bureaus to investigate accounts on my credit report. Each account came back as verified by all XXXX bureaus. However, the credit bureaus failed to do their due diligence in verifying the accounts, as they were no changes made to any of the accounts and they still appear as they did before the dispute- with numerous inaccuracies across the board.

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 2024-02-08 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that was not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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 found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation
Consumer complaint received 2024-02-08 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: PA

Complaint narrative:
I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, PA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Family hit a hardship due to long term covid. After loosing my job of over XXXX years due to my illness I was financially and emotionally bankrupt and my marriage was destroyed. Due to both loss of income of my job and spouses income I was unable to maintain my mortgage payment. 

I feel like this financial institution is taking advantage of my hardship and inability to pay my mortgage, by offering me a 40 year mortgage and doubling my current interest rate. 

I do have the help of family and am in a better place to resume my mortgage payment but i can not afford an increase of any kind at this moment. 

Again I am willing to resume mortgage payments with the help of family but taking my mortgage from 24 years to 40 years, doubling my current interest rate and raising my mortgage payment just isn't possible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
This company has stated that a debt that I have no knowledge of was transferred to another agency That I have no knowledge of. I have requested written information several times with no resolution. The company has improperly used credit reporting. 

There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
on XX/XX/2024 I received my income tax refund check for {$180000.00} i deposited the check into my checking account with South State Bank branch location @ XXXX XXXX XXXX XXXX XXXX, FL XXXX. I was informed by the teller that my funds would be released on XX/XX/2024 and was printed out documentation stating that fact. on XX/XX/2024 I went into the branch to iniate a wire transfer for an investment that I have been waiting to make.I was informed by the banker that I had to come back the next day to get the wire approved by management. I proceeded to uitilize the funds that were available on XXXXafter two purchases I discovered that my card was closed and account frozen. I called customer service and was informed that the branch iniated the fraud hold. I went and spoke with the XXXX XXXX XXXX XXXX at the location and was informed that a fraud investigation was iniated by the bank and it would 30 days before my funds were released. This is a US Treasury check that I have been waiting MONTHS for. I deposited a valid check and my account is currently frozen and no exact date for my funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
my XXXX account which is in collection is over 7 years old. According to the FCRA laws this item has to be deleted.

Also please investigate all other collection accounts and find out if they are over 7 years old

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
my XXXX account which is in collection is over 7 years old. According to the FCRA laws this item has to be deleted.

Also please investigate all other collection accounts and find out if they are over 7 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Our credit was unfairly and fraudulent reported due to United Mortgage Company and XXXX XXXX resulting in a low score, which we have NEVER had. United Mortgage Company transferred our mortgage to XXXX XXXX and did not inform us as my understanding of the Truth in Lending Act requirement. We received letters in late XX/XX/XXXXXXXX  from XXXX XXXX of a " data breach '' which we thought was junk mail. 

We finally received a notice from the VA ( on XX/XX/XXXX ) we were over XXXX delinquent as did not know our autopay was purposely stopped ( it was in a savings acct so did not notice right away ). I immediately paid the {$5100.00} to UMC on XX/XX/XXXX, which they accepted, they would not answer why my autopay was stopped and I could not reach a real person, only AI messages. 

I finally noticed on the VA letter of strange mortgage company XXXX XXXX and figured out my loan must have been transferred since I got the data breach letters-however when I called XXXX XXXX, they did not know of my loan. 

When I complained to UMC they told me to call " customer relations '' -which was really XXXX XXXX . UMC ignores or lies about everything, it is horrifying such a mortgage company is allowed to do this. 

We still have not received anything from XXXX XXXX or properly notified our loan was transferred and terrified to make a pymt to XXXX XXXX as they are a scam company-they owe customers thousands in lawsuits and now breached both my husband and my data-we are XXXX veterans and live on XXXX-this is unacceptable. I contacted the VA and will not help. I have no idea who our true mortgage company is and now our data is breached and my credit is RUINED. 

My score has historically been in the XXXX or high XXXX 's for over 40 years. Now it is in the low XXXX and no one will help me, I asked right away for UMC to make certain they notified me of changes and correct any reports sent to credit agencies. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Another lie about viewing, it's a ploy

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 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a letter from Capital one to recover my funds. Capital One denied my claim although the amount of wire was due to Fraud/Scam. CapitalOne fraud department did nothing to recover my scammed funds except request wire recall without any internal investigation of follow up. MY COMPLAINT WAS NOT HANDLED JUSTLY AND APPROPRIATELY. I do not think they even followed your own processes. After this event, CapitalOne closed by account. since I was a scammed victim, CapitalOne terminated my banking relationship with them. There was no resolution with this situation. I am very disappointed this was not resolved. CapitalOne only responded only after I filed a complaint number XXXX. I believe, had CapitalOne was vigilant in their Fraud department, I may have recovered some of my money. Losing {$20000.00} to a scammer is no laughing matter. CapitalOne denied my claim for reimbursement and closed my case without any resolution nor communication prior to closing my case. I sent the fraud department my evidence which they did not even reviewed. In addition, CapitalOne failed in following up with XXXX XXXX to reclaim my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am compelled to submit this complaint due to the repeated unauthorized attempts to secure an auto loan using my credit profile. The numerous inquiries on my credit report are alarmingly high, posing a significant threat to my financial well-being. It is imperative that immediate action is taken to safeguard my credit. Therefore, I kindly request the placement of an extended fraud alert on my credit file. Furthermore, I emphatically request that no financial transactions or approvals be granted without my explicit consent. 

For any inquiries or account openings, I insist that you reach out to me directly at XXXX prior to any action. Your cooperation in ensuring the security of my financial affairs is greatly appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: NE

Complaint narrative:
I recently opened an account with US Bank to use for my income. My first paycheck was deposited ( {$5900.00} ) on XX/XX/year>. 
I visited a branch on XX/XX/year> to ask about where my new debit card was as it hadnt been received and there was no mention that the funds were being held. 
On XX/XX/XXXX I spoke to your customer service on the phone and they mentioned it could take 3-5 business days for the check to clear. 
XX/XX/XXXX I received a letter in the mail that my funds were being held due to Confidential information - safeguard/exception and would not be released until XXXX  XXXX, 11 days after deposit, signed by XXXX, XXXX at branch XXXX XXXX 

When I visited the local branch this morning and questioned why it took so long to be contacted and why the funds were being held, the employees reply was that due to terms and conditions they can hold the check up to 30 days. 
I was also told that they could not inform me as I was not the one depositing the check nor would they contact me via phone or email, only snail mail. 
XXXX then requested to get a proof of check cleared from my work, so brought this to them along with our director of finance. 
XXXX said she would make a request right away to your risk department to see if the funds could be cleared. 
When I asked to get notified, she asked to have my phone number which US bank already has. I requested then to get an email about this, I again was asked about contact details that are already in your system. 
My finance director asked her if this was their way of treating a new customer and if they wanted my business or not to which we got a reply about rules and regulations. 

Here are my major issues with this : Lack of communication : no info given when I myself visited the branch on XX/XX/XXXX, nor when I spoke to customer service on the phone that the funds were being held for a specific reason. 

Immediate funds : I was informed that the initial {$220.00} would be available immediately as per your policy. They were not and still haven't been. 

Treatment of new customer : when I spoke to XXXX at branch XXXX, she was not very friendly and came across as it was all my fault and I should know better. I wouldnt recommend her to anyone! 

Sending information via mail : not only is this the slowest way possible but also the least efficient way when the US bank has my phone number and email address. But for some reason, thats not the way US Bank wants to communicate in the digital age of XXXX. 
Money now : I have to pay a deposit and rent for an apartment by tomorrow XX/XX/XXXX which is {$2000.00}. 
Theres also a hotel stay tonight for {$150.00} at the XXXX XXXX  XXXX that needs to be paid for. 
Money is also needed for food, hygiene articles etc.

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 2024-02-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, PA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Since XXXX of XXXX I have not been able to access my Venmo account. It is now XXXX of XXXX. There is little response besides " we are working on it '' or that this is a known " nationwide '' event with their service. They have not provided estimates on when the problem would be fixed or provided a solution to obtianing funds left in the account. They often say to try again in 24-48 hours.

Company response to consumer: Closed with explanation