vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts on my FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, TRANSUNION, AND XXXX USES XXXX XXXX XXXX XXXX  TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE 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 non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: MI

Complaint narrative:
Went into mortgage negotiations and was told XXXX % down required depending on appraisal. Appraisal came back above the sale price. Lender said only option was XXXX  % down XXXX  days before close. He had us raise the sale price to cover some closing costs but then did not increase the loan amount which cost is every dollar in savings. I spoke to the branch and regional manager and they said this was not preditory and said they would call back and have not. They tried to blame me, my wife, my credit, my property and said since this was my first time I misunderstood ...... no, they lied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A few week

s ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
XXXX XXXX I wired {$20000.00} for insurance from wells fargo to XXXX XXXX XXXX XXXX XXXX and the wire was lost and after over a week of trying to locate the wire I recalled the wire, then the recipient bank said that it was in their bank from the expected date and although they said it was not there repeatedly it was they then said that the account holder refused the withdrawal for the recalled wire. The transaction was a scam and when wells fargo investigated the wire I was refunded the fees associated with the wire and not the {$20000.00} I wired.

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 2023-01-26 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: CA

Complaint narrative:
XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help. 15 U.S.C 1681 and the FRCA act, everything must accurate and fair. The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the XXXX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. I will resort to making a thorough complaint also to the BBB if these accounts are not deleted. I have enclosed FTC AFFIDAVIT to request the erroneous errors be removed. 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 non-monetary relief
Consumer complaint received 2023-01-26 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: NV

Complaint narrative:
These accounts are not mine and opened fraudulently {$1200.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$7400.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX  Opened : XX/XX/XXXX {$5300.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$2400.00} SXXXX  Opened : XX/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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wrongful charges and overdraft fees

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Top line reporting has reported an account on my transunion credit report without my knowledge or consent I want this removed immediately as it is violation of my consumer rights that must disclose consent before reporting to my credit bureau 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 2023-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My auto loan account with Wells Fargo was blocked from access due to an " upgrade to their website ''. This update forced me to make a new account with them resulting in late fees being assessed. After re-setting up my account, confirming my mailing address and linking a bank account to be able to process payments I asked for late fees to be removed and asked for a record of my payments which could only be mailed to me. The record was mailed to an incorrect address. The following month ( XX/XX/2022 ) I asked them to change my contact address and they did. Then my bills started coming by mail but to the incorrect address because they had again changed my address to an incorrect one. 

Finally my bank account was un-linked and deleted from the only payment method. this caused a week long certification process to be undertaken to confirm the bank account and I was charged more late fees. They then refused to remove any of these late fees and are charging interest on the late fees as if they are apart of my loan.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This account XXXX XXXX XXXX has appeared on my Transunion account without my knowledge or consent and it needs to be removed. I have contacted transunion in regards to this and no action has been taken. I do not know who this account is or why it has appeared nor did I give consent for it to be displayed on my Transunion Consumer 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 non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CO

Complaint narrative:
I have made a payment through XXXX on XX/XX/XXXX that has been confirmed to have posted to you on XX/XX/XXXX for the amount of {$1200.00}. It is not in suspense. I have called multiple times and nothing happens. The customer service people can only email the cashiering dept. This amount should be in suspense until the other half of my payment is completed. 

This is ludicrous that I need to continue to call to see what the XXXX is going on. You are welcome to check the account history bc there have been nothing but problems since the merger.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
There is a late fee shown on my consumer report. 15usc1681a ( i ) a2 transaction history is EXCLUDED meaning it is not to show up on the report I did not give wet ink signature consent to place on my consumer report.

I am the legal consumer and I control what is listed on the account.

15usc1666b timing of payme n't SHOULD NOT be reporting.

Where is the WET INK SIGNATURE validating this account. IF you can not provide a wet ink signature it has to be remove.

I disputed it and it was removed and then it came back, therefore this is a violation and is compensated at {$1000.00} per violation on my consumer report.

15usc1681b no permissible purpose to place on my report.

Please remove the 1 time late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: TX

Complaint narrative:
I'm a victim of identity theft. I have reached out to everyone company that was reporting on my credit report for them to remove that inaccurate information. I did a credit dispute XX/XX/, with account number ending in XXXX. First progress responded back to me with a letter stating in order for them to initiate an investigation, they need to receive the specific information that I am disputing and an explanation of the basis for the dispute, and supporting documents I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I deposited a check for over {$57000.00} into my Chase checking account ( via their ATM ) on Monday afternoon XX/XX/23. It initially showed as the correct amount, {$500.00} was cleared while the rest was scheduled to clear in coming days. The next morning ( XX/XX/23 ) my online checking said that there had been a deposit error and the money was removed from my account. I went into the branch where they supplied me with a photo of the check and said that they could see it was a proper check and that I had endorsed it correctly, but that they had no idea why it hadn't been accepted. I asked for the check back and they said they couldn't give it to me or tell me why it had been rejected. I went home and called the issuer ( An insurance company called XXXX  ) and they said that it was negotiable and that they would be happy to verify that with Chase. I told someone at my branch, who DID verify its negotiability with Principal, but said it was " too late now ''. I was told at first that I would get the check back, but yesterday I was told I would not get the check back. I reached out to Principal who said that they can't cancel the check and send a new one until after XX/XX/XXXX, and I just got off the phone with the escalation department at Chase who still has no answer for me why the check was considered non-negotiable. I find it outrageous that through no fault of my own I won't have my money for WEEKS and that Chase doesn't have to explain why they chose not to accept it. For what it's worth. my sister also received a check in almost the same amount from Principal and a different Chase bank accepted the check and the money, etc. without a hiccup

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts on my FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, XXXX, AND EXPERIAN USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL.

THIS IS WHAT CAUSES HACKING AND DATA BREACHES.

THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!

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 2023-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cottonwood Financial Ltd.
State: WI

Complaint narrative:
Cottonwood financial Wisconsin LLC dba cash store is trying to collect a debt by garnishing my wages. I was not properly notified from this company only seen it on my records with the state of Wisconsin for small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
When contacted by ProCollect via my cellular phone [ XXXX XXXX. ( XXXX ) XXXX ] ProCollect [ XXXX XXXX. ( XXXX ) XXXX ] violated my rights under the FDCPA. 

ProCollect called me on XX/XX/2023 from [ ( XXXX ) XXXX ]. That initial call was at XXXX and I spoke with a XXXX XXXX XXXX After vaguely telling me what the nature of the call was, the amount owed and who the creditor was, I informed her that the debt was quite old and I wanted to dispute the debt. XXXX XXXX replied to me that I was not able to dispute the debt, that the debt was valid and that I needed to take care of the amount owed on my account immediately. She attempted to provide me with payment instructions via an address ( and by providing me with my account number ) and I reiterated that I did not owe this debt and I wanted to dispute it. Again, I was informed that I would not be able to dispute the debt and again XXXX XXXX attempted to collect on the account. XXXX XXXX also never informed me that the call was from a debt collector and an attempt to collect on a debt. Following more discussion on the matter and refusing to allow me to dispute the debt, XXXX XXXX eventually disconnected the call. 

Subsequently, I called back to ProCollect multiple time via the contact number provided to me by XXXX XXXX ( XXXX ) attempting to clarify the situation and make sure that the debt to which I was being contacted regarding was notated correctly as disputed. In following phone calls, further misinformation was again provided to me : that the debt was valid and that I was not able to dispute the account. After finally getting a supervisor on the line, she informed me that I would be able to dispute my account via the ProCollect website, but that I had to supply the proper evidence regarding any dispute by XX/XX/XXXX a timeframe of only four days from when the call was occurring. When I asked about the required 30 day right to dispute, she stated to me that the information on that was not correct. This supervisor also disconnected with me during my discussion with her on my account. 

I possess screenshots from my phone 's call log detailing the times and call durations for these calls.

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 2023-01-26 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Over 15 years ago I took out a HELOC with Webster Bank. Since then I filed XXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we filed XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : Convergent Outsourcing # Unknown Account Number Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681, section 602 A of the Fair Credit Reporting Act, states I have the right to privacy.

15 U.S.C 1681, listed in Section 604 A 2 of the Act, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 explanation