vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe 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 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX, Cedar Business Services alao doing business as Cedar Financial placed a collections account on all three of my credit reports for an alleged debt from XX/XX/XXXX from the Original creditor, XXXX. I did NOT make this purchase during that time. However I did make a purcahse with XXXX back in XX/XX/XXXX and I'm attaching the receipt so you can see that the purcahse that I made in XXXX of XXXX was definitely paid for. Now during this transaction that I did make in XXXX of XXXX there were several things that went wrong with the transaction. For starters, my card was charged twice for the one piece of furniture that I purcahsed which was a dining table set. I reached out to a Supervisor at XXXX and he assured me they would refund the charge because he seen where the account had indeed been charged twice for the one dining table set. They did refund my account for the second charge. Next, when the dining table set arrived the middle leg piece what the table sits on was broken. I again, reached out to XXXX and spoke with another supervisor who explained to me that they were sorry this happened and would send out the replacement piece at no charge to me. They did send out another middle leg piece for the table. This was the first and last time I've ever purchased anything from XXXX because of all the issues and me having to go through so much with them to get them to send out a replacement piece and for them to refund my account. I had to actually speak with a couple of supervisors because it took a while for the replacement piece to arrive. 
After this purcahse and debacle that I went through I have never dealt with XXXX again and have never heard anything else from them. 

Now years later, a collections company Cedar Business Services also doing business as Cedar Financial has placed an alleged collection account debt on my credit report saying I've made a purcahse from XXXX in the amount of {$590.00} on XXXX XXXX. I did NOT make this purchase and Have no idea as to what purcahse they are speaking of. The only thing that I can think of was the pircahse I made back in XXXX of XXXX amd all the mistakes that were made from my previous purcahse back in XX/XX/XXXX. 

I'm attaching a copy of the receipt where you will see where there were clearly two charges on my card and then you will also see where they refunded the second charge back to me. You will clearly see the one charge on my card where the purchase was indeed paid for. You will also see, where the replacement piece ( broken damaged middle leg was returned to them ). You will also see where they have something on there that says bad debt but this is untrue because you can see where they charged my card for the dining table set. 
I would like for the CFPB to have Cedar Business Services also known as Cedar Financial to remove this debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened the savings account with promo code XXXX on XX/XX/XXXX. 
The promo stated to make a deposit of $ XXXX within XXXX  days of opening, hold the money for XXXX  days and receive bonus within XXXX days after holding. 
I made the deposit on XX/XX/XXXX and held funds until XX/XX/XXXX which is for XXXX  days. However, the institution ( Capital One Bank ) refuses to pay the bonus. They informed me that XXXX  days starts after XXXX  days period. This information was not disclosed to me at the time I opened the account. The promo summary didn't have any footnotes signals indicating that there is a additional period of XXXX  days before XXXX days. The terms and conditions also state XXXX  days in multiple places without any references to the additional XXXX  days. 
This is very misleading and institution was not upfront with the information and tried to hide the fact that there is XXXX  days funding period before XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Upset these companies are allowed to report fraudulent items on my report without my consent.. Its been months and months of me trying to get these items off with no success..Only 2 address should be on my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX everything else is FRAUDULENT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: LEXISNEXIS
State: FL

Complaint narrative:
Upset these companies are allowed to report fraudulent items on my report without my consent.. Its been months and months of me trying to get these items off with no success..Only 2 address should be on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX everything else is FRAUDULENT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit account and inquiries that are hurting my general reputation as a consumer. 
15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: MD

Complaint narrative:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 XXXXXXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe 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 2023-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wellsfargo has denied my request to do a loan modification and denied my request to do an application for a loan refinance. I have asked to do either one due to the issue listed below. At this point I am at risk for paying a much higher payment due to an error on their part. 

Wellsfargo has mishandled my loan 's escrow account. I purchased a property and they failed to give me an escrow analysis on the year mark I purchased the house. This resulted in under payment on my taxes. I notified Wellsfargo about changing insurance companies and they sent a check to both insurance companies in error ( old and new one ) causing a significant shortage that still isn't fixed. 

I spent on average XXXX minutes to XXXX hours on calls with them trying to get to someone to get this resolved. I have yet to reach anyone that can help me get a clear picture of how much I owe on my escrow. 

I need wellsfargo to stop paying out my insurance. I have already paid it for the year. I also need them to correctly caculate my insurance and give me my yearly analysis when asked to ensure I am paying the correct amount. 

I have been hung up on, put on hold, and rudly spoke to more times then I can count. I simply want to pay my mortgage and have the payment be accurate.

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 2023-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
I called in to pay my mortgage on XX/XX/2022 to ensure my account did not fall 30 days past due. I spoke to a representative over the phone who assisted me with processing the payment and provided me with a confirmation number. I received a notice that my mortgage was 30 days deliquent and the company informed me they had no recollection of my call. According to their records there were no notes on the account. I pulled up my call log and I called in at XXXX  that morning and spoke with someone who processed the payment for me. I asked the employee to pull the call. The managers shared with me they do not record all of their calls and could not locate the call. I have a 100 % on time payment history prior to this, and I take pride in that. I should not be penalized because their representative and their system did not document the interaction accordingly and factually. I have researched the company, New Rez and apparently this happens often. I am requested my payment history be reported accurately and timely, as my bill was paid within my 30 day window.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I paid bill in full to have a XXXX balance. As confirmed on the phone my balance was at XXXX. I then did not use card for several months to then find out that I had a bill due and it was all late charges. As I thought I had overlooked something I proceeded to pay the bill in full and got confirmation that my account was again at XXXX. I then recieved a bill two months later to see that they had charged interest after the fact and then since I did not pay the XXXX dollar interest they sent another late fee. I talked to comenity about this and they would only put my account to XXXX and assure me that there will be no more charges to my account. I asked for refunds of previous late charges that were charged to my account after I had paid in full, I then got sent to a super visor who heard my complaint and would not do anything to refund the previous wrongful charges after account was supposedly paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 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 — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: FL

Complaint narrative:
First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer.

Secondly, FedLoan mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place.

According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer has been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that FedLoan Servicing produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple FEDLOAN Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
Wakefield and associates acct. # XXXX balance XXXX. These companies have illegally obtained these debts. 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. 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 a 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. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My mother XXXX  in XX/XX/XXXX, leaving an IRA CD at Wells Fargo with 3 beneficiaries. It took Wells Fargo 9 months, many hours of phone calls and visits to the branch, and finally a complaint filed here for Wells Fargo to release the CDs to the beneficiaries. Wells Fargo split the CD into 2 CD accounts for each beneficiary. On XX/XX/XXXX, when I discovered that the CDs were transferred at an old interest rate with an maturity date of XXXX ( notice must have come to my mother while she was in the hospital, and since she didn't respond, Wells Fargo automatically renewed the CD at the old rate ), I called to see if I could get the CD combined back into one, and I was told that I could, that there would be no early withdrawal fee, and that the new interest rate would be XXXX  for a 7 month CD, with XXXX It would take 2-3 business days for me to see it online. It is now XX/XX/XXXX, and the CDs are still separated and at the original very low interest rate. After 1 hour and 11 minutes on the phone, I have been transferred to the 4th Wells Fargo agent, who can not help 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 2023-02-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM A PROVEN VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe 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