vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: CA

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 Account XXXX has violated my rights. Or a list of inquiries : 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 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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS.

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
on the accounts that are attached are being reported inaccurated update the account information accurated or just remove the information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: NC

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-06-03 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My home closed on XX/XX/year>. I had ~ {$4000.00} of an escrow surplus to be returned. They sent XXXX checks for the amounts. They were not received. I informed them multiple times. They then said it could be wired. I had instructions sent from my bank. I followed up and they said to check back. I now can not check back as they are impossible to get someone on the phone and their chat has been down. They had 30 days after close. It has been much longer. The money needs to be wired back to my account as it is rightfully mine and they are in illegal custody of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: CA

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 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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 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 2024-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My school loans were part of the XXXX XXXX XXXX settlement and have been discharged. But I am yet to receive a refund from my service are Navient. I believe that deadline is approaching and they are being difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XXXX XXXX I opened a 10 month cd at Citizens Bank paying over 5 % interest. The amount of the cd was about {$50000.00} and it accumulated $ XXXX {$240.00} a month in interest. I never received a renewal notice at the end of the term from Citizens Bank and they renewed the cd at a rate of .25 % which paid {$11.00} a month in interest. This continued for XXXX  months. I contacted them last week and they told me they would not retroactively adjust the rate to the market rate of more than 5 %. I spoke to the manager and asked to speak to his boss when I was not happy with his response. He would not give me his boss 's telephone number but said he would call me if I gave him my number, which I did. I never received a call from him. What a surprise. I did ask the manager to produce a copy of the renewal letter which he tried to find online but was unable to locate it. This all took place at the branch in the XXXX, XXXX. I then called an XXXX number for customer service and spoke to a representative. This person basically said this is what transpired too bad. I have no other option but to try your office to recover an interest penalty of {$44.00} and an early withdrawal penalty of {$50.00} plus XXXX months lost interest of {$450.00} for a total of about {$550.00}. It just doesn't make sense to think in any way it was reasonable to renew the cd at a rate of .25 %. There is no way this can be justified. Thank you for your help. You can't treat customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OR

Complaint narrative:
Form letter received. 

Loan stated on Great lakes website PAID IN FULL. 
NELNET refuses to honor this discharge in XXXX and provided standard form letter stating they were not discharged. And continues to expect payment after discharged in XXXX. 

These loans were discharged, NELNET needs to remove any and ALL credit reporting regarding those discharged loans in XXXX. 

Bringing back up in XX/XX/XXXX after XXXX  years saying we owe is wrong! 

YES they were! Read above. 

Loan discharged in XXXX from Great Lakes. Last attempt to contact them on their website said account PAID IN FULL. Nothing reported on credit bureau reports no contact/ letters, any communications from Great Lakes or any other organization for XXXX  years until massive data dump XX/XX/XXXX with several duplicate entries which are incorrect showed up in credit report by Nelnet. No previous contact, no correspondence sent us mail, attempted to contact to advise loan discharged XXXX no response. Emails continue. Last email received XX/XX/XXXX we sent back to sender not our debt. This was completely discharged in XXXX by Great Lakes. This is not our debt! Nelnet needs to remove this incorrect fraudulent reporting from any and all credit bureaus including the secret ones, XXXX XXXX  and others and cease and desist further communications! Identity theft occured 3 separate occasions, they do not have the correct name on this correspondence. Freeze in force with credit bureaus, complaints filed View full complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: NV

Complaint narrative:
Hello can someone at CFPB help with my dispute for Wells Fargo I opened a dispute provided all the information requested and Wells Fargo closed my dispute without refunded me When i talk to Wells Fargo they do not respond or tell me i didnt provide the information. 

And when i say they i did and i can email it to you again- they make up something else and its a never ending circle to keep my money

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 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
My mother passed away in XX/XX/XXXX, and I contacted the bank to inform them of her passing a few days later. I requested that they place a lock and a post no transactions on her account, which they informed me they would do. When I was able to take the time to go in to close her account in XXXX, I learned that they allowed XXXX debits to come out of her account. I requested to put in claims for the XXXX items that came out of her account and I was told that they were going to investigate the matter. I never heard back from the bank and had to follow up on numerous occasions. I requested the matter to be escalated because I wasnt getting any updates and was told that it was still being reviewed. The Branch Manager, XXXX XXXX was the person helping me, but I did all the follow up. I finally heard from a district manager, also named XXXX, and an operations manager, I believe was named XXXX. Both informed me that they would be following up with me. This was back on XX/XX/XXXX and I have received XXXX follow up yet again. My original claim was started on XX/XX/XXXX with Flagstar Bank and to this day, they have not provided any updates 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 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Update : On the Midland Credit Management website. Under " Our Consumer Bill of Rights '' Article XXXX : Hardship. This is Midland Credit Management own rules and regulations. " Article XXXX : Hardship XXXX XXXX XXXX Consumers Who Are Servicemembers, Victims of Natural Disasters, or Who Are Experiencing Medical Issues, Job Loss, or Other Hardships We actively seek to identify XXXX XXXX servicemembers and stop legal collections from those servicemembers. 

We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 

We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 

We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. 

We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 


Again, violating their own rules and regulations. 

" We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster ''. 

Well, this is completely false because we are still under a XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX Countermeasures all three cover each other. XXXX XXXX Licensed to kill, Liability shield from XXXX XXXX. What is XXXX? XXXX XXXX XXXX, because we are still under a PHE. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " Job Loss, or Other Hardships '' I have lost my business in 2020. I take care of my XXXX grandmother. 

Debt Collection Practices in Connection With the Global XXXX Pandemic ( Regulation F ) Section XXXX prohibits certain debt collection practices by debt collectors related to the global XXXX pandemic. 

XXXX XXXX XXXX XXXX, my question is how Midland is allowed to take people to court when they aren't the original creditor which is XXXX. So, if what MCM claims I owe them is true then why didn't XXXX take me to court? So, all MCM is doing is buying from XXXX but have no clue if XXXX themselves have sold them fake debt. This isn't the first time this has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: NY

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have been attempting to use Cash App for some time now but every time I create an account Cash App tells me I'm banned from their platform and not allowed to use Cash App. I requested a detailed reason why I'm not allowed to use Cash App anymore and the company did not respond to me. There is no reason for banning me from using the Cash App platform as I have not done anything wrong or broken their terms of service agreement. This is a terrible financial company who can steal your money and ban you at any time for no reason at all. I would like specifically to know the reason why I have been banned from using Cash App and I would like to submit a dispute against that claim ( if any at all )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After fraudulent purchases were made on my Business Line of Credit and I contacted Wells Fargo on XX/XX/year>, the credit card was cancelled and a new one issued. 
Unfortunately, now almost one month later, the new XXXX XXXX Checks that were promised have not yet arrived. 
Multiple phone calls have not resulted in resolution of the problem. Even worse, everytime I call Wells Fargo, I can not reach the person I initially spoke with and the person I do speak with has no ability to solve the problem. Wells Fargo customer service is a system designed for failure. Please assist me in obtaining new XXXX XXXX Checks post haste so that the continuous smooth running of my business is not compromised. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-03 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: NY

Complaint narrative:
PLEASE REMOVE INQUIRES FROM XXXX, TRANSUNION, XXXX THERE IS FTC REPORT WITH NAMES AND DATES OF INQUIRIES.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE REMOVE INQUIRES FROM XXXX, XXXX, EXPERIAN THERE IS FTC REPORT WITH NAMES AND DATES OF INQUIRIES.

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 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made a payment to capitol one and on that same day someone else deposited a check and my credit card payment bounced. 
They closed my credit card and all my credit lines. 
They stole my XXXX points without any warning and won't give me back any of it. 
It had a cash value of XXXX and travel value of XXXX that I saved up for years to go on travel this summer. 
How can they without warning steal all my points and still request they I pay my balance on the card that was worth less then the points they stole from me without any warning. 
I understand they can close the credit line even though it was a genuine mistake but how can they confiscate an asset of mine that I've worked on for years and still want me to pay off my balance that my points would have more then paid off. 
I can't afford this bull. Their must be some accountability for theivery like this! 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-03 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: GA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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