vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
This servicer actively makes it extremely difficult, if not impossible, to get to a customer service agent when calling their phone number XXXX. I was locked out of my online portal this morning ( XX/XX/XXXX ) when trying to retrieve my XXXX tax document for the XXXX tax year. I spent over XXXX minutes on the phone pressing various options to attempt to get to a customer service agent to try to fix the issue. None of the options were applicable to an online account issue so I kept repeatedly pushing XXXX and saying " agent '' and the phone tree kept responding that it was an invalid selection, then ultimately hung up on me. Even if an option were theoretically applicable to my situation, I am someone in their 30s who is fully fluent in English. I am not sure how seniors or people with more limited English skills are able to interact with this lender.

For a servicer to be this opposed to having borrowers actually speak to someone is appalling. I am unable to actually speak to someone because this lender thinks it's appropriate to hang up on someone when none of their options are applicable to their situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My account was frozen and it also was closed.I had problem with my account being with someone withdrawing money out of my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a ftc report to credit report agencies and creditor and received no results and this has caused me much distressed having fraudulent accounts being reported to my credit report. I reported these fraud cases on 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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a ftc report to credit report agencies and creditor and received no results and this has caused me much distressed having fraudulent accounts being reported to my credit report. I reported these fraud cases on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
DEBT unrecognizable/ or re-aged/ unauthorized suddenly appeared into my credit profiles

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
This is concerning the fraud claim from my account ending in XXXX that happened on XX/XX/2022. Here is more substantiating information backing up my claim. 
Attached are the pages of the police report that I filed with the XXXX TN police department. The Narrative on page 4 describes the crime that took place. My phone was stolen from me and XXXX and XXXX and ACH wire transfers was used to fraudulantly Electronic Transfer all the money that I had in my student checking account and savings account. without my consent or knowledge. The Consumer Protection Laws for fraudulant Electronic Transfers require the victim to notify the bank within 24 hours which I did via contacting Navy Federal Credit Union on XXXX XXXX XXXX  The bank is required by law to replace the money that was fraudulantly transfered. I also fraudulanlty lost money from my XXXX XXXX XXXX  account which XXXX XXXX XXXXXXXX has since replaced. Navy Federal Credit Union is responsible to protect consumers from fraudulant Electronic Transfers just as XXXX XXXX XXXXXXXX is responsible to protect consumers from fraudulant Electronic Transfers. I want written explanation of the entire investigation that was performed by Navy Federal Credit Union fraud department that determined there was no fraudulant activity if that is the conclusion XXXX XXXX is making after receiving this additional Police Report information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was used improperly, In Accordance with the FCRA section 611 this companies violated my consumer right. please kindly remove all the inquiries from my credit report because i did authorize them. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My direct deposit came into my account as well as a withdrawal hold fees from the NC Tax was attached I asked bank to remove the fees but never did instead i accessed fees to my account in which turned into a collection matter I was harrassed by the bank to pay fees while my account was on hold the hold was released and the bank still held my 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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
On XX/XX/2022 Report XXXX I recieved results from a dispute of an item placed on my report from I.C . System Inc sharing that the company did not have a collection agency lisence in Georgia or Illinois and could not report any debt to my credit report.I also did not give written consent for this debt to be reported on my credit report. I asked them to research and provided the proof from XXXX consumer access. Experian only updated the account by increasing the owed balance, with no research or proof of research done regarding the collection agency license or written consent to report according to 15 USC 1681 Section 604 A Section 2 and 15 USC 1681 B permissible purpose. 

On XX/XX/XXXX, I disputed again Report XXXX : asking for proof of lisence of collection agency and again it was never provided or researched as the XXXX  Consumer Access clearly shows they do not have a collection agency license in Georgia or Illinois . They allowed XXXX XXXX XXXX to update the account again by increasing the debt by {$5.00} thus harming my credit. 

I am asking that Experian provide proof of research, remove from credit report, and pay me for damages to 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 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: NV

Complaint narrative:
" XXXX XXXX XXXX XXXX '' ( the creditor ) apparently rented property to someone with the same name as I or someone purporting to be me in the past. The creditor won a court judgement against my namesake on XX/XX/XXXX for {$8000.00}. During the period the property was rented, I lived & worked overseas on a foreign employment contract. I filed my taxes from abroad and the contract is well documented. I have no relationship with the creditor, have not lived in California since XXXX, and never in XXXX XXXX County. The creditor used a law firm named XXXX, XXXX, & XXXX XXXX to contact me about the debt. They allege I owe {$12000.00} due to accrued interest. I contacted the law firm and told them the debt is not mine. They refuse to provide any evidence of the individual using my name who rented the property, including driver 's license copy, social security number, and signed lease agreement. Someone either stole my identity or the creditor and their law firm have the wrong person with whom I share a name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I pulled my consumer report and there was a charge off from XXXX XXXX. 

Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a Consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report if a social security card was used in the transaction.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was contacted by a Wells Fargo employe, XXXX XXXX, who stated " I believe we may have a solution for you. '' I received paperwork from wells Fargo stating I would be eligible to utilize the VA disaster fund IF I paid {$7200.00}. The messagw left on my voice mail, that I still have, does not state of this is a guaranteed solution to my issue. Furthermore when I paid the mortgage in XXXX, I was under the 18 month window and actively working to utilize the VA disaster relief fund. Now that it's over the 18 month window Wells Fargo is offering me the VA disaster fund IF I pay the missed payments after the 18 month window. I feel as if I'll pay the {$7200.00} and be told by wells Fargo I am not eligible. Wells Fargo had ample time to provide me with a program of my choosing well before the window ended. Wells Fargo continued with practices that I did not feel comfortable with and on the advice of council refused to accept. 

I feel as if WELLS Fargo is continuing the practices that got them in trouble with the courts over the last ten years. Wells Fargo had been fined twice now in the last ten years for fraudulent practices and taking advantage of it's customers. It seems as if they are not stopping these practices.

I would like all missed payments added to the end of the loan, the APR to not change and the monthly payments to not change. 

Again I was able to pay XXXX, XXXX and XXXX mortgage payments but in XXXX I was told I wasn't allowed to make a payment. 

Everytime I reach out to wells Fargo I get a different person. Last time I spoke to an employee they told me they are in the executive office and the reason I was allowed to utilize the VA distater fund was because, and I quote, " it's a waterfall effect. '' I asked the woman if " waterfall effect '' was a legal term and she immediately changed the subject. 

Wells Fargo is continuing this practices if taking advantage of it's customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sent letters to XXXX, Transunion, and XXXX to investigate my accounts. It has been longer than 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, Transunion, and XXXX have 30 days to investigate and to send me the results. In addition, they failed to record the current status of the disputed information which is also a violation. 
Evidence attached. 
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 non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Sent letters to XXXX, XXXX, and Equifax to investigate my accounts. It has been longer than 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and to send me the results. In addition, they failed to record the current status of the disputed information which is also a violation. 
Evidence attached. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
THIS debt recently appeared into my credit files. 
This debt may have been re-aged This debt is unrecognizable/ unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Someone posing as XXXX XXXX requested unpaid account balance of {$160.00} via Zelle to a XXXX XXXX and then a further {$570.00} to the same account to reverse the transaction for a total of {$540.00} through my XXXX Zelle account on XX/XX/XXXX. Reported days later to XXXX when XXXX XXXX denied that any payment had been made. 
XXXX refused to remedy or reimburse. XXXX client since XXXX. 
Payments were : XX/XX/XXXX Zelle Debit Pay ID : XXXX {$160.00} XXXX XXXX XX/XX/XXXX Zelle Debit Pay ID : XXXX {$570.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

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 15USC 1681.

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Citizen and or XXXX XXXX has reported adversely an account on my credit report that I have never had. On one credit reporting agency it is reported as a student loan and another as an installment loan. Both accounts have the same alleged account number credit limit and balance. Verification has been numerous times. I have requested an investigation and validation of the credit reporting agencies as well. I have requested a 1099 OID with no response so that I may verify information with the IRS. No response has been received to validate the alleged accounts. I have only received noncertified copies of statements that could be from previous accounts. 
These actions have gross disregard for my rights and are blatant violations of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
XXXX : Family of XXXX XXXX Trustee of the Social Security Cestui que XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Chief XXXX XXXX of Corporation TD BANK USA NORDSTROM/TD BANK USA XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX Account ending in XXXX Company 's Response : We sent an update to the credit bureaus and the attached letter, with copy of prior response ( enclosures omitted ), was mailed to the consumer. No follow up actions are anticipated. The letter states as follows : Im writing to confirm weve received the second complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) about how the above-referenced Nordstrom credit card account is reporting to the credit bureaus. Thanks for bringing your concerns to our attention and giving us the opportunity to respond. As shared in our XX/XX/XXXX, letter response to the initial complaint you submitted, we did find that the account was reporting inaccurately to the three major credit bureaus ( XXXX, XXXX and XXXX ), and have corrected this by requesting that the credit bureaus update their reporting to reflect that the account was paid in full and charged off as of XX/XX/XXXX. Please note that our request to the credit bureaus was made XX/XX/XXXX, and this update could take up to 30 days to process. Weve enclosed a copy of our response to your previous complaint for your reference. Should you have any questions, dont hesitate in reaching out to us at XXXX. 

This account needs a XXXX adjustment/Deletion of account from XXXX ( XXXX, XXXX and XXXX ) XXXX You have inaccurately reported and laid false claim against my name. This needs to be deleted as requested as you did not address this in my last complaint. This needs to be addressed still. When you respond address this issue and only this issue. On top of you negligently reporting incorrectly you have also reported on something that you have claimed a loss on and therefore needs to be deleted. You are not permitted to report or continue to report if you have claimed this amount as a tax write off as a loss. You have been paid.Not only have you been paid, but you are also requesting more money and double dipping on the money you received. XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX states that all debt public and private are paid for. There is no debt

Company response to consumer: Closed with explanation