vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2024 I received a phone call from a number identified as Wells Fargo customer service. The caller said fraudulent activity was detected on my debit card, did I recognize this transaction. I said no. They asked me for the rest of my debit card number and I said this sounds fishy. The man said of course, I understand, look at the back of your debit card. This is the number on there, no? It was. He also gave me some kind of " customer service ID number. '' So I provided the information he requested. Over the next couple hours, this scammer sent me text messages with verification codes that he claimed were needed by them to stop additional unauthorized fraudulent activity on my debit card. All of a sudden, the line goes dead. I call back, and Wells Fargo tells me they have not contacted me and it was a scam. I am out {$6300.00} -- all of the money in my checking and savings accounts at that time. I file a debit card fraud claim and a police report. Wells Fargo promised an investigator would call me to follow up and get more details from me, but that never happened. I was notified by letter a few days later that they determined I had authorized the transactions in question and had closed the case. I filed an escalated complaint. Ten business days later, another email/letter upholding the original investigation findings. Wells Fargo is violating the Electronic Funds Transfer Act by not reimbursing its customers for unauthorized debit card transactions and wrongfully holding customers liable when they fall victim to scams like this. They need to be held accountable and other customers need to be aware so they do not have this happen to them. This is a horrible bank.

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 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged multiple fees for lack of activity in a particular checking account. I have also received fees for moving money from savings to checking more than 5 times in a 3 month period.

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 2024-08-08 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have had a Yard Card Credit Card through TD Bank since XX/XX/year>. I have made every payment on time. I recently started receiving calls from them saying that I have missed two payments. I told them the dates the money was withdrawn from my account to pay the bills. They recommended I call my bank, which I did. My Bank confirmed that the money was withdrawn from my account and deposited into TD Banks Account. I started to wonder if it was a scam because the number I was called from was not associated with TD Bank online. I called TD Bank and they also stated they were not familiar with the number. I looked at my Yard Card statements and the new statement stated I was late two months as well, which Im not. When looking over my statement, I realized that they changed my account number without notifying me. I tried to call yesterday and tell them this and waited on hold for 40 minutes. I was contacted today by the number that was unfamiliar with TD Bank and pretty much told the guy off without giving any info. I attempted to call them and resolve this over the phone today and was on hold for an hour before I finally gave up. I have been charged late fees and I wouldnt be surprised if they reported this to my credit. I am at the point where I am going to pay the card off in full so that I never have to deal with TD Bank again. This is the last resort before I go to a TD Bank in person to pay off this bill which I shouldnt have to do. I have proof the bill was paid every month and I have proof they changed my account number without my knowledge and/or consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 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: GA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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

Complaint narrative:
I recently filed a complaint about inquiries on my consumer report that do not have permissible purpose, I also attached evidence. 

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 The above inquiries have no permissible purpose to be on my report. Delete all inquiries due to 15 usc 1681b

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 2024-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase failed to make insurance payment to XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX from escrow account by XX/XX/year> which resulted in termination of insurance. Was unable to find replacement insurance. Chase has now increased my mortgage payments by XXXX XXXXXXXX to pay for new insurance. I cant afford it. It was their mistake and they need to take responsibility for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Subject : Complaint Regarding Zales Credit Card Account Dear Consumer Financial Protection Bureau, I hope this message finds you well. 

I am writing to express my concern regarding an issue with my Zales credit card account, which was paid off on XX/XX/year>. Despite the account having a XXXX balance, I have noticed that interest continues to accrue. Additionally, it has come to my attention that Zales has reported a late payment to the credit bureaus, which is negatively affecting my credit score.

Zales has offered a credit to my account, but I feel the money should be reimbursed to me since the account was paid in full. Furthermore, Zales has stated that they will notify the credit bureaus to remove the delinquent payment assessed to my account. However, I am still seeing the negative impact on my credit report. 

Could you please explain the continued interest charges and clarify why the late payment was reported to the credit bureaus? I would appreciate it if Zales customer service would review my account history and take the necessary steps to rectify both the interest charges and the incorrect reporting to the credit bureaus. 

Thank you for your prompt attention to this matter. I look forward to your response and to resolving this problem as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: eMortgage Funding LLC
State: NC

Complaint narrative:
On XX/XX/year> I closed on a mortgage refi loan. After reading everything and the amounts they were trying to charge me I decided to cancel the loan. I had a XXXX day window. I sent them the cancellation notice overnight mail they received on the XXXX and the XXXX. The deed was registered with XXXX XXXX courthouse. They had notice that I did not want the loan but deed it to the courthouse anyway. I am now working with another mortgage company and they need a letter stating that I have been released from this loan. I can not get Mortgage XXXX to send me an easy letter with their letterhead stating that I have Been released from this loan. It is causing problems for me to work with this other company because until they get a letter saying I have been released, they can not help me. The courthouse is showing that I have XXXX mortgages XXXX being Mortgage with a XXXX balance.

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

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, under 15 USC 1666 ( b ) and 15 USC 1681a ( 2 ) ( A ) ( i ), which address the accurate reporting of credit information and the responsibilities of furnishers, the discrepancies in my credit report need to be addressed. 

Despite my previous communications and requests for correction, neither bureau has responded to my dispute or updated my credit report to accurately reflect the status of the accounts in question. The incorrect reporting of late payments and the failure to classify accounts correctly as either open or closed is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX, and TransUnion all have an account my cy credit report that shouldnt be there, an account from XXXX XXXX XXXX for the amount of {$500.00}. On XX/XX/2023, I paid directly to XXXX XXXX XXXX. I tried to dispute through all XXXX credit bureaus and the results where all the same nothing changed. If an investigation actually happened, a simple phone call wouldve fixed all this. Ive exhausted all options. I have the receipt and I would like this removed from my report, from all XXXX bureaus.

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 2024-08-08 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: TX

Complaint narrative:
On XX/XX/year>, a landlord wrongfully retained a security deposit after denying a rental application. The applicant had provided the security deposit as part of the application process. However, after the application was denied, the landlord failed to return the deposit. This action was not in accordance with legal requirements, which typically mandate that security deposits must be refunded if the application is rejected. The situation represents a breach of the tenant 's rights, potentially leading to legal consequences for the landlord. 

Date of inquiry : XX/XX/year> Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: National Consumer Telecom & Utilities Exchange, Inc.
State: PR

Complaint narrative:
Remove this account because It is not mine XXXX telephone co. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
the issue with rocket mortgage started in tax year of XXXX, a check for {$1300.00} was issued to county to the wrong property tax id in which i received a notice of foreclosure in XXXX of XXXX for that property. I called them up to have it fixed in which they sent a second payment to my county which fixed the issue but left my escrow account negative and by doing increased my overall payment from XXXX of XXXX to XXXX of XXXX. After the fix that they had did in XXXX i had been made to believe that the issue was resolved but in the tax year for XXXX the same issue happened again but it opened me to being harassed by home developers asking to buy the property off of me. So now my payment again has increase because of their incompetency and there is at least {$2600.00} floating somewhere that should in my escrow account. I had called the about the issue and they have failed to respond in a reasonable time with an answer, and called them again they had resubmit the issued because to much time had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to address a troubling issue regarding the closure of my business account with Navy Federal and the subsequent inability to access my funds or open a new account with you.

I previously deposited a check from a client into my Navy Federal business account, which was subsequently flagged by the bank. Navy Federal informed me that the check was fraudulent. However, I contacted the issuing bank ( bank of Texas ), which confirmed that the check was legitimate and not fraudulent. I provided this verification to Navy Federal as proof, but despite this, my account was closed with the decision communicated that I would never be able to open an account with Navy Federal again. 

Despite this decision, my account remains open, and my funds are still held there with dividens still being collected with no access granted to me. I believe that this situation stems from a misunderstanding related to the check in question, which was verified as valid, and I am concerned that I am being unfairly penalized and held hostage by this unresolved issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I settled all of my debts when i sold my home in XXXX of XXXX. Now Midland Debt Collectors are saying i didn't pay all of my debts off and seized my savings account for payment and placed funds on hold until the year XXXX. If I didn't pay off the debts how did I get a payoff of release to get funds for my home? My credit report is clean no debts owed. Didn't list the original creditor or account number amount owed what year account was listed for collections. I don't think this is my debt. Why didn't this judgement report on my credit report like the others did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of XXXX. 

Capital One Auto Loan ACCOUNT Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian, I am writing to request the immediate deletion of certain items from my credit report that were added as a result of the XXXX data breach, of which I was a victim. 

XXXX has acknowledged my inquiry and confirmed that my personal information was compromised in their data breach. As a result, they have removed the fraudulent items from my credit report. However, these same items still appear on my Experian report. 

I am attaching proof of XXXX 's acknowledgment and their actions to rectify the situation by removing these items. I kindly request that Experian take the necessary steps to delete these illegal accounts from my credit report as well. 

Please review the attached documentation and update my credit report accordingly. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation. 

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 explanation