vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: CA

Complaint narrative:
I have been a customer of Wells Fargo Bank for almost XXXX  years. I can count on my fingers the amount of times I have needed to dispute a transaction, each time I have, it was fraudulent. On XX/XX/2023 I noticed XXXX transactions that were not made by me, even though it was my card number used. Through online banking, I disputed the transactions and a provisional credit was provided. Then, XX/XX/2023, I received a letter that informed me that Wells Fargo Bank determined three of the four charges were authorized by me and not fraudulent and they would be reversing the credits. I called in to the claims department, they informed me that this was determined because the merchant was able to provide receipts that showed my card was swiped to make these purchases. I informed them again that my card had not left my possession and those purchases were not mine. They reopened the claim. I hadn't received any updated information nor had I received any credits so I called back in. The claims specialist let me know again that Wells Fargo Bank and the merchant determined these to not be fraudulent charges because a card swiped and the merchant provided receipts. She let me know that Wells Fargo has special cards that can not be duplicated so when a card is swiped, they have to determine the charges valid. I can not believe that my hard earned money is just gone to fraudsters and the bank that I have been so loyal to for so many years is telling me there is nothing they are going to do about it. There are no layers to investigating, they look at receipts and only receipts, so if a criminal finds a way to make a card with your number on it, then the customer is out of luck. They didn't look at my prior transactions to see that I have never been to the same gas station in one day and spent {$340.00}. There were {$610.00} spent in a matter of 3 days. They didn't say whether a pin was used or if it was a credit card swipe if an ID was checked to verify the name on the card. They didn't say they reviewed camera footage of the transaction. Over the years I have given Wells Fargo Bank my money with the understanding they were keeping it safe, they are not keeping it safe.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is not reporting the updated balance in my XXXX account. 

I paid the entire balance ( XXXX ) of my XXXX account by XX/XX/XXXX. They have reported a decrease in my balance to all credit agencies. XXXX, XXXX, and XXXX XXXX reports have the correct statuses already. 

However, even by XX/XX/XXXX, this information was not updated in my Experian XXXX and XXXX scores. I requested Experian to update the information after confirming this with XXXX. 

I saw no change in my credit report after XXXX days. Because of this, I lost a {$3000.00} offer for my car purchase, as my credit scores were not updated on time. All XXXX and XXXX scores were up to the mark, and only Experian reports failed my credit inquiry. 

Experian shows updated information only after getting subscribed for a XXXX  XXXX month. I feel Experian is misusing public information and creating issues in the lives of people like me by not providing the right information in 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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have attached the information with my opt-out notice to XXXX XXXX  XXXX XXXX I have followed the proceedings in 16 CFR 313.7 to opt out of non-public personal information to a nonaffiliated third party including XXXX, Transunion, and XXXX. XXXX  XXXX XXXX has not responded in a timely matter as this was sent out on XX/XX/2023, and it is now XX/XX/2023. This unauthorized information as stated in 15 USC 6802 must be removed permanently from XXXX, Transunion, and 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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have attached the information with my opt-out notice to XXXX XXXX XXXX XXXX I have followed the proceedings in 16 CFR 313.7 to opt out of non-public personal information to a nonaffiliated third party including XXXX, XXXX, and Equifax. XXXX  XXXX XXXX has not responded in a timely matter as this was sent out on XX/XX/2023, and it is now XX/XX/2023. This unauthorized information as stated in 15 USC 6802 must be removed permanently from XXXX, XXXX, and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have attached the information with my opt-out notice to XXXX XXXX XXXX . I have followed the proceedings in 16 CFR 313.7 to opt out of non-public personal information to a nonaffiliated third party including Experian, XXXX, and XXXX. XXXX XXXX XXXXXXXX has not responded in a timely matter as this was sent out on XX/XX/2023, and it is now XX/XX/2023. This unauthorized information as stated in 15 USC 6802 must be removed permanently from Experian, XXXX, and 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 2023-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX  This is my 4th complaint in 2 years against US Bank 's incompetent escrow/insurance department XXXX As a term of my loan US Bank insists on having escrow on insurance and taxes but it treats that money as monopoly money without any proper checks and balances paying bills that are already paid and expressly disregarding instructions. 

In the latest case, I had emailed US Bank on XXXX XXXX XXXX that my insurance is already paid and they no longer need to pay it and can release escrow back to me. They confirmed twice that this would be done. But yesterday I got a notice that they have indeed paid insurance again. 

I even emailed them to tell them that their online system still shows the insurance payment as a next expense and then i stopped getting responses and eventually as i feared despite a >1 month heads up they made the insurance payment despite it being made already and now i have to fight with the insurance company on getting back my double payment.

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 2023-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I applied to a personal line of credit with Navy Federal Credit Union in an attempt to consolidate more my business with the institution. The range of the LOC is XXXX XXXX XXXX for non service members. Despite having a good salary, very low debt to credit ratio and a high credit score, Navy Federal provided a {$500.00} credit limit. I inquired if a reason behind the decision could be provided. Navy Federal reps could not give that information and instead advised that if I accepted the terms I could then request an additional increase. I reluctantly took the offer, went back through my credit report and found nothing consistent with this reasoning given my very high credit limits granted by other financial institutions. I believe this should be looked into after hearing about NFCUs class action for mortgage denial rates against XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
These Companies Used My Information Without My Consent.

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 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
For years I have been trying to close my account. I had XXXX dollars and I wanted to transfer the money out. They will not talk to me on phone because I dont have my old phone number. I am overseas. I ased if there is any other way to verify and they said no. Only my phone number from 10 years ago, They emptied my account of XXXX dollars and now say I owe them XXXX dollars from fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Michael J Adams PC
State: TX

Complaint narrative:
I received an email from my bank today that receives my Direct Deposit XXXX XXXX  XXXX that a hold had been placed on my account. This is my only income. 

I've had no previous contact about this. This debt if any is beyond the statute of limitations which they should have known.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NM

Complaint narrative:
XX/XX/XXXX, around XXXX XXXX, I went into a XXXX XXXX XXXX in XXXX, NM. I went to the ATM to pull XXXX out to pay some bills. The ATM gave me a receipt saying it dispensed XXXX but it never did.The ATM is a CHIME ATM, as my account is with CHIME. I called Chime and was told to just keep a look out for my money and if I don't see it call back. The camera has to show I didn't get my money. It's XXXX and the idea of the bank taking XXXX from me for no reason and not give it back has me furious. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA SAVIINS ACCOUNT # XXXX APPEARS ON ALL MY CREDIT REPORTS, I CONTACTED USAA AND REPRESENTATIVE STATED ON XXXX that she has nothing on file for me, nor my social security. I stated to USAA REPRESENTATIVE, Why is the company reporting a charge off every month for 59 months REPORTING ME AS Delinquent and I have no knowledge of this personal loan from XXXX? ALSO I never received a bill for {$100.00}, if i paid XXXX percent of this bill, i would never leave {$100.00} owing anyone. I ASKED THE REP FOR A BILL TO PAY {$100.00} AND PLEASE REMOVE THAT CHARGE OFF ON XXXX, XXXX, XXXX. TheREPRESENTATIVE Stated ITS NO BILL TO GIVE ME.. charge off for same bill for 5 years now, I told the representative from USAA this is illegal that you are messing my credit status up with all three credit bureaus and i never recall this account. 
THE REPRESENTATIVE STATED TO ME, XXXX XXXX I DO NOT SEE YOU OWING USAA.BANK. CFPB PLEASE HELP ME AND USAA SAVINGS IS REPORTING INACCURATE INFORMATION AND DESTROYING MY LIFE, HOW ARE THEY ALLOWED TO CHARGE OFF THE SAME THING FROM XXXX TO XXXX? ILLEGAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 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 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 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 non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
I called SLS on XX/XX/2023 requesting information to cancel the PMI on our home loan and to begin the cancellation process. I was told on the call that I had to wait for a correspondence/denial letter from them to begin the process. Our home value far exceeds the required 20 % difference in outstanding loan to home value to cancel PMI. 

I never received any communication from SLS, so on XX/XX/2023 I followed up again online requesting to begin the process to cancel PMI. Almost two weeks later, XX/XX/2023, I recieved online communication from SLS stating the letter had been mailed when requested. I never recieved the requested letter, but did receive a letter regarding the change in my escrow calculation during this timeframe. When looking on the SLS website, the letter is not showing as a document that was sent to me during the timeframe of my call ( screenshot uploaded as documentation ). 

When I originally called I asked for the specific price to do the appraisal for my area. I was told at that time they could only provide a range, however once my appraisal was ordered they could provide the specific price. The appraisal pricing online varies widely from {$200.00} to over {$800.00}. I recieved a phone call on XX/XX/2023 to complete my appraisal for the next business day, however no price was provided and SLS was closed since it was the weekend. I called first thing on XX/XX/2023 before the appraisal began, again to get an exact cost. At that time, the rep informed me ( rather rudely ) that they would not be providing me with an exact cost, that all I could get was the range provided online ( that varied by approximately {$600.00} ). This seems like a Truth in Lending violation. 

Our home appraisal was completed on XX/XX/2023. It is now XX/XX/2023 and I still have had no communication about price/cancellation of PMI. Although when I go to the SLS website my monthly payment amount has been reduced by my PMI amount, so I'm assuming my home evaluation showed that we've more than paid off our home 's 20 % home value to loan amount. The PMI amount, approximately {$210.00}, could have been cancelled several months ago if SLS would have provided communication when I requested. I also still have no clue over a week later how my the appraisal is going to cost us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have previously sent multiple letters XXXX XXXX XXXX requesting validation and verification of a bankruptcy  on my report. According to 15 USC 1681 accuracy and fairness of credit reporting! Consumer reporting agencies adopt reasonable procedures, for meeting the needs of commerce for consumer, credit personnel, insurance, and other information in a manner which is fair and equitable to the consumer with regards to confidentiality accuracy, relevancy and proper utilization of such information in accordance with the requirements of that chapter. Also, transaction and experiences between a consumer and a person making the report shall not be reported. Any payment history, ultilization, history, status, remarks, limit and balance are all part of transaction and experiences so it should be deleted per federal definition of consumer report! 
I have yet to receive any validation or verification of this bankruptcy. I have personally contacted the us bankruptcy court and they DO NOT report to any credit reporting agencies. Per 15 USC 1692j it is unlawful to design, compile and furnish. Any form knowing that such form would be used to create the false belief in a consumer, that a person other than the creditor of such consumer, is participating in the collection of or in an attempt to collect a debt such, consumer allegedly owes such creditor. When in fact such person is not participating. Consumer reporting agencies must delete inaccurate, incomplete or unverifiable information.

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 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Business and Consumer Solutions.
State: VA

Complaint narrative:
Filed CFPB COMPLAINT ID XXXX ON XX/XX/2023 against FBCS debt collector on behalf of XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX in bankruptcy. XXXX provided a response to that complaint indicating information provided does not match their system and requesting name address ssn their file no and copy of lette ; all ironically so since the basis of my complaint was that Ive never been provide anything in writing from them, just harassing phone calls and when requesting something in writing during these calls I am met with a dial tone by the representative. FBCS responded to my credit bureau dispute that the debt was sold to them, so they need to correspond with those folkes to get the matching information ; but, as for general self identifying information that theyve requested in their response to be able to address the issue at hand of attempting to illegally collect on a debt discharged and protected by bankruptcy laws has been provided to them in this complaint. As such, I requesting that CFPB complaint be re-opened and demand that FBCS provide a valid response to the claim and not a bogus one that seeks to disclaim it by asking for the very lack of information that has not been made available to me via the harassing calls and that are subject of THIS complaint against them. 
All the information they need to investigate such as my name address and phone number they call everyday all day has been provided here, and with exception of social and file number. No one gives socials over the phone or otherwise for identity protection, although the lady XXXX were provided here ; nor does any company demand it but rather use other unique identifying information ; as for the file no, well if they ever send me something in writing I would have that, but as stated previously when requested during harassing calls the representative hangs up phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I received a letter dated XX/XX/23 from National Credit Systems, alleging I owe a debt, which I dispute. Their letter said if I wrote to them by XX/XX/23, they must stop collection until they send me verification of the debt. On XX/XX/23, I sent them a dispute letter via their online portal and email address, requesting verification of the debt and that they stop collection efforts until they provide same. On XX/XX/23, I received a letter with further collection efforts, despite having received no verification of the debt, in violation of the FDCPA. I again wrote to National Credit Systems on XX/XX/23 asking them to cease collection efforts until sending verification of the debt, yet they reported this unverified debt to the credit reporting agencies on XX/XX/23.

Company response to consumer: Closed with explanation