vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I contacted XXXX by e-mail on XXXX XX/XX/2023 regarding outsanding balance and payment history they were reporting for my privae student loan. I explained they'd been reporting incohate payment history, ie payment history for a future month, and a balance history that was ten ( 10 ) times what it should be. The representative, XXXX XXXX respnded via e-mail on XXXX XX/XX/2023 and acknowledged the incorrect payment history. She and performed an off-cycle update for the account on XXXX XX/XX/2023. Experian received the update for the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. Experian notified me of the off-cucle update on XXXX XX/XX/2023. According to the data transmitted, the account is now allegedly ninety ( 90 ) days past-due from the off-cycle update on XXXX XX/XX/2023. Although XXXX has consistently mailed my statements to addresses that I do not live at, and that change form every two months ( see CFPB complaint XXXX ), XXXXXXXX XXXX  own system alleges payments on the account have been made through XXXX XX/XX/2023. The due-date established under CFPB interpretation of TILA/Regulation Z appears to be the twenty-seventh ( XXXX ) day of each month. In examining the statement generated on or around XXXX XX/XX/2023, the alleged statement due date is XXXX XX/XX/2023. Thus, the payment history furnished is false/misleading/inaccurate because it implies a delinquency history that would not have occured by the due date of the statement. This seems to occur each time I file a dispute with the CRAs regarding the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-28 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: CA

Complaint narrative:
I have sent in the necessary documents to Transunion credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today XX/XX/XXXX XXXX XXXX  ET, that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Transunion 's fraud department under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. 

Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, immediately.

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 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
On XX/XX/XXXX the CT DMV sent the title of the XXXX XXXX XXXX to Navy Federal Credit Union at : ( per online Navy Federal site information ), Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I have phone logs of the times I have called to NAVY FEDERAL over the past year to request a title loan duplicate form. 

As of today : XX/XX/XXXX I have asked " XXXX, '' for a history of logs pertaining to my : phone calls of inquiry on this matter, loan, and mailing history on this matter. To which he said. " NO. '' I want this recoding as well as all the recordings brought into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: Comerica
State: CT

Complaint narrative:
I am XXXX and living on a fixed income. My federal Social Security XXXX payments goes into the Direct Express debit card each and every month. On XX/XX/XXXX, I called Direct Express -that Comerica Bank oversees and told them that my money {$440.00} was stolen by the ticket merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and asked to disputes unauthorized charges. They told me if I submit paperwork, within 7 business days, which I did, Direct Express would issue me an " provisional credit '' of the amount by XX/XX/XXXX. Furthermore, I was told just be patience and the money that was stolen will hit my debit card. And, if it does not, call back Direct Express by Monday XX/XX/2023. I waited and called back on XX/XX/XXXX, to be informed that my case was " closed by them '' and I would not be getting any credit. I got no notice of an investigation. I got no noticed of the case being closed. Which, leads me to believe that Direct Express lied to me all along. Plus, did not follow policies to keep consumers informed and participated in Reg E violation. I asked them what's the appeal process. I was told there is no appeal process. I asked them what's their corporate information or Comerica bank customer service information to help me with this dispute. I was told there is nothing that I could do about fraudulent activity to my debit card. Comerica Bank wont do anything to help me. They have the only and final say. The case is close and their decision is final. I am deeply upset about Direct Express and even Comerica Bank- who I called is not working to help consumers when there is fraudulent activities on consumer debit cards. I asked them what is their policies or federal policies on fraudulent activity. They told me to do my own research. They have nothing in writing to sent me. They do not seem to care that the money was stolen and was not authorized me. Nor, do they care those funds were to be used to pay for my medication. Please help. I contacted the merchant who told me it seems like a computer error on their end. But since its an Error in the merchant computer, I do not have evidence to prove it. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I tried to do a balance transfer from Avant to XXXX. XXXX sent funds to Avant to initiate the balance transfer process. Avant denied the balance transfer, did not notify me and claimed their policy and contract did not except balance transfers. I looked over policy and contract and found no evidence of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
this debt is not 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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
About XXXX this year I started receiving SILVER oversize envelopes from Citi Cards AA offering the Platinum Elite credit card. I am already a Citibank credit card holder, so I called to ask if this was an upgrade for the existing card as the offers stated that if I expend XXXX in 90 days I would received XXXX miles with AA. 
The operator was very clear that this was a new card and credit line and I was already eligible to receive miles again as I had closed the previous Platinum Credit Card account with Citibank in XXXX. 
Today when I called to ask when I will see my miles reflected on my account the operator was fast and short saying : you enrolled days before the 48 months period necessary for a new bonus account and for that reason you will not received your points. When I told him that I was not going after a new credit card and the only reason I agree with the new account was because they offered this bonus by mail and confirmed by phone. For my surprise the attendant asked me to show proof of the marketing envelope that was sent to my address in XXXX XXXX. I told him that I don't keep junk mail and the reason I was checking on the points was because I did called to finalize the offer application on the phone. He said that he can't do anything if I can send him back the invitation that I received with their phone number and offer code. As a consolation he would be able to offer me XXXX miles. I see this is a very big SCAM to open lines of credit for former clients that they know will use and pay their bills. I see how wrong this is to offer me to open a new line of credit days before the waiting period is over so they would not have to issue the bonus to the client.

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 2023-08-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XXXX Report XX/XX/XXXX  and I noticed that this Inquiries had been made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: Early Warning Services, LLC
State: PA

Complaint narrative:
A notice has been sent to the company addressing the CEO. this notice was sent priority express mail and delivered on XX/XX/2023 at XXXX. I have not gotten any correspondence with any confirmation as to complying with demands to remove false information violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. 
( 1 ) XXXX XXXXXXXX ... hard inquiry on XX/XX/2023 ( 2 ) XXXX XXXX ... hard inquiry on XX/XX/2023 There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
Comenity Bank- Victoria Secret store card On XXXX I walked into the VS store and paid off my credit card in full with Cash. 

XXXX I received a statement with payment due + interest XXXX I spoke to an agent and submitted payment receipts through my VS account messenger. Agent said it would take 30days to investigate. All the while Im still receiving statements with late fees and my credit score is declining. 

XXXX called comenity and spoke to an agent. Was told to call back on XX/XX/23. Issue should be resolved. 

XXXX Called and agent said that investigation is taking awhile and wait for an email. They will take care of any/all late fees. Be patient XXXX Email received by XXXX regarding credit score dropped by XXXX due to this bill XXXX Emailed Comenity bank regarding this. Agent replied back they need an additional 30 days to investigate. 

The bill was paid in full on XX/XX/23. I have payment receipts proving I did so. I forwarded all necessary documents. But Im still being penalized for doing the right thing. I have worked hard to build my credit score.If someone could please help me get this issue resolved asap. Id really appreciate it. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I had a card with XXXX balance, it had been paid off for at least a year. Someone got the information for my card and used it to make fraudulent purchases totaling {$3000.00}, because I do not use this card often I did not notice the charges until I opened my XX/XX/XXXX statement. This has been reported as fraud since XX/XX/XXXX. Not only have they reported this to the credit reporting agencies as past due while knowing the charges were fraudulent and while still under investigation, as of today XX/XX/XXXX they are requesting payments toward the fraudulent balance. They refuse to stop late fees piling up on a balance they know to be fraud. Now when I call them they pass me back and forth between fraud department and customer service claiming nothing can be done ... and it's still under investigation but make minimum payments on the amount they know to be fraudulent. They even reissued a card, left it linked to the old account and the fraudster was still using it while it was being investigated. They have now issued a third card and have not resolved the issues involved with the fraud, while reporting a fraudulent balance to credit agencies, and trying to collect on a balance they know to be fraud. If you remember, my balance was at {$0.00} before the fraud started.

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 monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: FL

Complaint narrative:
I took out a loan with XXXX  XXXX in which was given to a company called Systems and Services Technologies , Inc. I was terminated from my job positions after the loan was approved, I was unable to pay my payment for the loan among other expenses, I was evicted from my home and lost my car along with being denied unemployed benefits for a previous conflict. I have no family, friends or other financial assistance, I was able to pay the loan back after settlement, the remaining balance was waived and this account is now removed from all my credit reports. I got a call from a third party collections agency called XXXX XXXX that informed me that the account was sold to them and I kindly informed them that it was already paid. They broke the contract by selling the account to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Investment Homes by XXXX XXXX XXXX, purchased a subject property located at XXXX XXXX XXXX, XXXX  XXXX, XXXX FL XXXX and Certificate of Title was issued on XX/XX/XXXX by the XXXX XXXX XXXX XXXX Courts ( attached ). Since taking ownership Investment Homes has made every effort and attempt to resolve issues on title. Investment Homes attorneys pulled an official title report in which the chain of title shows the fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to Secretary of Housing and Urban Development , Assignee ) .

Wells Fargo Bank, N.A., does not have any record or proof that themortgage was indeed paid off or not. Wells Fargo Bank, N.A., can not locate any data or factual evidence of the mortgage. This has caused Investment Homes a loss of {$290000.00} on a resale of the property or a loss of {$120000.00} at Foreclosure sale plus an additional {$60000.00} on repairs, for a total of {$180000.00}. Due to the negligenceof Wells Fargo Bank, N.A., mortgagor ; and their lack of evidence to secure the proper loan documentation ; has caused Secretary of Housing and Urban Development to proceed with a false foreclosure ( non-judicial ) on behalf of the borrowers who are deceased since XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ). 
We are requesting for Wells Fargo Bank , N.A . to be investigated for unethical practices and violatingcompliances with Federal law. 
XXXX XXXX XXXX XXXX Homes by XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I received a check in the mail which turned out to be a fraudulent check and it was deposited and my bank wants me to repay this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation