vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Northern Trust Company, The
State: NY

Complaint narrative:
I closed XXXX XXXX XXXX XXXX notes in XXXX. Notes administered by Northern Trust Bank. 
XXXX XXXX Northern Trust notified me recently- in XXXX, XXXX years after account closed - of a balance due to me of {$9.00}. 
I completed form for Northern Trust to send me the {$9.00}. 
They sent me form a second time with requirement that form be notarized by notary public. 
I am at the same address. No change in identity, address, anything else related to account that requires notary. This is stupid obstacle to bank returning balance to me. 
I called to complain, They will not send me the funds.

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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc.
State: NY

Complaint narrative:
XXXX - Skrill app was not accessible. Said account restricted and to contact us. No email. 
XXXX - phone call # 1. Skrill rep indicated routine security check led to restriction, nothing I did caused it. I would hear from them in 24-72 hours. 
XXXX - phone call # 2. over 72 hours later, account still restricted and still no explanation. Skrill rep indicated it was now escalated. 
XX/XX/year> - phone call # 3. Skrill rep said still under review, and due to large volume of accounts under security restriction, no eta. Try again in 24 hours they said. 

So in summary, 7 days have passed, and I havent been provided an explanation on whats happening with the restricted account. I have over $ XXXX balance that I cant access, and havent been provided an explanation or steps towards resolving whatever issue there might be

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "

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 2024-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Ava Finance, Inc
State: RI

Complaint narrative:
DearAVA/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I hope this message finds you well. I am writing to address a matter of significant concern regarding my accounts with AVAXXXX XXXX XXXX XXXX 

It has come to my attention that my account ending in XXXX has been erroneously marked as late for XXXX and XX/XX/XXXX. I believe this may be due to an issue with receiving statements and accessing my account online, as I have consistently made timely payments based on the statements provided. Additionally, I have observed similar discrepancies with another account opened in XX/XX/XXXX, which was inaccurately reported as late for XXXX and XX/XX/XXXX. 

Given the long-standing positive relationship I have had with AVAXXXX XXXX XXXX XXXX I kindly request the immediate removal of these late payment records from all credit reporting agencies. Furthermore, I seek the removal of any associated late fees and request a review of the billing inaccuracies under the provisions of FCBA 15 USC 1666b, 1681i, and 1692g. 

I trust that this matter can be resolved swiftly to our mutual satisfaction. I appreciate your prompt attention to this issue and look forward to continuing the positive experience I have valued in my dealings with your company. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The information from the Debit card was stolen and used on XX/XX/year>. An XXXX  source charged the account XXXX XXXX. The owner of the account disputed these claims, which were denied by the bank due to insufficient evidence proving the charges were never made. The owner of the account has now lost XXXX XXXX  from an assumed safe bank account, and can no longer dispute the claims because they have exceeded the one time limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Company is stalling I sent the identification and proof of address and they blatantly denied my letter and send me a letter stating I need to send an Id and social but for reference the time still continues for my 30 day investigation if it elapses the items must be removed. Check attachment for further instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB card opened XX/XX/year> with a XXXX limit and XXXX dollars had been charged to the card. I found out about the account from XXXX XXXX and called Chase. I confirmed there was that account in my name with Chase. They changed my security questions, made a secret security word, confirmed my info, changed my user name and password, told me to report to XXXX XXXX which i did today XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: LA

Complaint narrative:
XXXXXXXX XXXX XXXX Acct # XXXX was charged off in ( XX/XX/year> ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispute this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXX XXXX  v. XXXX, 36 F.3d 1214. Attached is also the dispute filing that comes bank verified within XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged monthly fees when I shouldnt have been. The bank advertised no fees if a customer made 10 or more debit card purchases and/or payments in a month., but instead the bank limited the types of eligible payments and didnt count debit transactions that were posted days later. I was also incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.

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 2024-08-13 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: Advantage Credit, Inc.
State: NY

Complaint narrative:
ON Saturday XX/XX/year> I had a conversation with XXXX XXXX about a mortgage. Our conversation specifically included me asking if he was going to do a " soft pull '' or a " hard pull '' on my credit. I am not ready for a " hard Pull '' and I am only in the exploring stage of buying a home. I explained why I do not want a hard pull done on my credit. He assured me he was not doing a hard pull. 
I received notice from XXXX via Text App that a hard inquiry was done on my credit file on XX/XX/year>. I reached out to XXXX XXXX in a text to verify he did a " soft Pull '' which he confirmed with me, at this time, he did a " soft pull '' and he said " I did a soft pull, but XXXX and XXXX sometimes report it as a hard pull on the apps. '' I waited a few weeks and this information did not change. I contacted XXXX directly and spoke with them in which they confirmed it was a hard pull and told me I would have to dispute it with Advantage Credit and request a letter of Deletion. 
On XX/XX/year> I reached out to Advantage Credit and explained that I did not consent to a " hard Pull '' on my credit. The woman guided me to the online complaint form and credit file number to enter. The next day XXXX XXXX contacted me regarding my loan application question and about an email he received that morning about my dispute. I explained to him that it was not a soft pull and I expect him to make this right. He symapthised with my position and explained that the report is good for 45 days and he wont need to pull it again. also if I wanted to shop around for better rates that his are the best. I told him point blank that I am not sure how or what he needs to do to respond, but the report is inaccurate and he needs to do the right thing. I am not sure if I will find a home in 45 days and I don't want to keep pulling my credit until I am ready to move forward with a mortgage. 
To my surprise, I received a response on XX/XX/year> by mail dated XX/XX/year> from Advantage Credit. In their response they concluded that I consented online to run my credit on behalf of XXXX XXXX  and I should contact them. They left no other options for me to dispute, again their findings. They included XXXX XXXX response but no evidence I ever consented. 
ON XX/XX/year> I tried to reach out to Advantage Credit and was told I have to email them. So I emailed them my disappointment and will be forwarding this poor business practice on to the CFPB. I have included all this information. When you use a third party servicer like Advantage Credit, that does not shield you from better business practices and following the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My wells Fargo reflect card was fraudulently used on XX/XX/year> an XXXXXXXX for XXXX dollars in XXXX increments. I filled fraud dispute an they denied our claim for no reason. It's obviously was fraud an reported it immediately. I've called to try an resolve this multiple times an get rejected or hung up on.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Motor credit is reporting late payments on my account that need to be removed. I opened this account with Toyota and had a specific checking account that this came out of. We always have funds available in that account so my wife and I put it on auto pay. I got confirmation of the ACH being set up and left it as I figured it was set and done. Come to find out when I pulled my credit that there were several lates. I called Toyota and got current but they weren't able to tell my why payment was never drafted if auto pay was set up. I went ahead and set it again on auto pay and it didn't work once more so I got caught up again but this was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My mortgage is Carrington Mortgage Services, I have my mortgage payment on Auto pay so never open my statement. I recently opened the most recent XXXX Statement dated XXXX and to my disbelief they are showing That there is an overdue payment for {$4300.00} ( I have no idea what that is for - I looked at my credit bureau and I show as paid as agreed ). Furthermore, under current loan balances they are showing a deferred amount of {$9900.00} ( also no idea what that is for ). 

I spoke to two different representatives at Carrington ( one of them a supervisor ) and neither knew what those amounts were for but insisted that I owed them. I would like for Carrington to remove those amounts from my mortgage and provide me an updated statement along with {$1000.00} for the time I spent on the phone and internet with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$370.00} Account Name : XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX Account NamXXXX XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$220.00} Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$70.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1200.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: LA

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX was charged off in ( XX/XX/year> ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispute this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in Discover Bank v. Scheimer, 36 F.3d 1214. Attached is also the dispute filing that comes bank verified within 24hrs.

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