vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently noticed a bankruptcy report on my credit report. I am wondering where did you get the information because it is reporting inaccurately. I have already contacted the court and in their letter, they stated they do not provide information to credit bureaus. The court is the original source to verify bankruptcy information. I also looked in XXXX as well. I know that you did not do your due diligence in " verifying '' this information because you have the name of the courts wrong. Can you please provide me with the name of the furnisher you verified this information with, who you spoke to, and the dates you contacted them? I would like to know how and where you verified this inaccurate information that is reported under my social security number on my credit file. 

You are also reporting inaccurate addresses on my credit report that I never lived at. I have made several attempts to dispute them but you refuse to remove them.

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 2023-02-08 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
The account was closed and charged off but still adding late fee and interest to account and reporting late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As my credit report states on XXXX XXXX that a XXXX XXXX XXXX XXXX account was opened however I did not open the credit card. On XXXX XXXX a credit card open in XXXX  XXXX that was not made by me. XXXX XX/XX/XXXX someone opened up an account with capital one bank. I called capital one and they explained to me have no record of my name in their system. Lastly on XX/XX/XXXX I see a transaction at XXXX XXXX XXXX which was not done by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I don't have all the details about the account. The Bank is Regions the account was opened some years back by a female acquaintance at I had at the time I was unaware of the account and filed a police 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 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED COMMUNITY BANK
State: SC

Complaint narrative:
On XX/XX/XXXX I opened a new checking account with XXXX and funded it for {$500.00} and applied a promo code " XXXX '' for a {$200.00} promo. 

The requirements were listed as such below : Customers must qualify for the account, make the required minimum opening deposit, and have met the following criteria by the end of an initial XXXX-day qualification period, beginning the day the account is opened, in order to receive the {$200.00} welcome offer : XXXX ) Receive cumulative direct deposits of at least {$2000.00} which includes salary, pension, Social Security , or other regular recurring monthly income. Internal and external account transfers, deposits made at banking locations, by mobile deposits and ATM deposits do not qualify as a direct deposit ; AND XXXX ) complete XXXX or more debit card purchases. Recurring debit card transactions do not qualify. 
Transactions must post to the account within the XXXXday qualification period. ATM withdrawals do not qualify. Monthly service charges and other miscellaneous fees may apply. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them On XX/XX/XXXX I put in {$1000.00} from my payroll as a direct deposit On XX/XX/XXXX I put in {$1000.00} from my payroll as a direct deposit. 
From XX/XX/XXXX to XXXX I completed XXXX purchases using my new united Community Bank debit card. 

As of XX/XX/XXXX I have yet to receive the {$200.00} promo bonus and have called several times since it should have posted to get a status update. They said I have met the requirements and someone from the promotional department would contact me but never did after numerous attempt in calling to inquire about the promotional bonus.

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 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Late fees with overdraft protection.

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 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On Friday, XX/XX/2022, I was in the XXXX of XXXX, XXXX doing some shopping. I withdrew XXXX Euros from an ATM machine. Realizing I needed more money to leave tips for the housekeeper, etc. at the villa we rented ( we were departing the morning of XX/XX/XXXX ), I attempted to withdraw more funds from the same machine. I performed the action and attempted to withdraw another XXXX Euros, but the machine wouldnt expel the cash and the alert on the screen of the machine stated that I had reached my limit of withdrawing funds. Later that evening while my family and I were at dinner, I attempted to withdraw funds ( XXXX Euros ) from another machine in XXXX. That machine also would not disperse the cash and another message was on the display screen stating that I had reached my maximum daily withdrawal. I was under the impression that the reason I couldnt withdraw the funds at the machine earlier in the day was because that particular ATM had a limit and I passed it. I didnt realize that my bank account was limited to a daily maximum for withdraw. 

When I returned to the US, I checked my account balance and noticed that my account had been debited for the two attempts I made in XXXX. I called Customer Service and made my complaint. The complaint was denied. I called again to dispute the decision, and my account showed a provisional credit. I assumed the matter had been settled. Upon checking my balance again, I saw that one of the provisional credits had been reversed. 

I would like to reiterate that I did in fact ATTEMPT to withdraw those funds while I was in XXXX. However, the machines DID NOT DISPERSE THE CASH. I am not and never was in possession of the {$790.00} that was debited from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We had our mortgage with Wellsfargo from XXXX to XXXX before refinancing. There were several instances in which our costs did not seem to be correct and I believe the escrow amount may have been handled improperly.

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 2023-02-08 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: DISCOVER BANK
State: GA

Complaint narrative:
My information was part of the data breach, and since then Ive been an victim of true identity fraud. I have unknown credit cards on my credit report from XXXX XXXX XXXX XXXX, discover credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo continues to charge the PMI on my mortgage even though I asked to have it re-evaluated due to my home being past the 5 year mortgage term and having enough equity. They said they only do that if I refinance. It was said that the PMI was to adjust itself. I also think I was charged fees for when I asked for XXXX relief that should have not been charged. The XXXX relief process was not explained and I ended up paying a large lump sum after the 3 months was up. Im general I think Wells Fargo is not helping mortgage clients.

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 2023-02-08 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: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
Barclays, XXXX XXXX XXXX XXXX, DE XXXX Has me as XXXX XXXX and my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Case Id was XXXX XX/XX/XXXX account is navyist card which is now closed by them. Due to delinquent. 
Falsely reported that on XX/XX/XXXX they gave me {$41.00} back while they investigated the circumstances surrounding the price of a particular payment they lost. I provided proof in the mail within the 20 business days of both electronic and picture of the cashed check they claimed was not received. They found out that it was paid, but they reported to the my credit report and Im very upset and would like something done about this. It was a false report regarding not my fault of a payment that was issued to them before the date of payment due. They lost the payment, but reported falsely to my credit report port that I did not pay it when then later they found out that I did I got a text message to said my credit card had been paid off on my credit report. I am very upset.

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I use XXXX bill pay service. On XX/XX/XXXX I mistakenly made a payment to my old, expired XXXX XXXX XXXX XXXX card issued by Comenity Bank through XXXX 's bill pay system. The amount of the payment was {$3700.00}. The card number on that account is XXXX XXXX XXXX XXXX. The card expired in XX/XX/XXXX. 

I have contacted XXXX on several occasions and were told that they have no ability to search old accounts and suggested I ask XXXX to file a dispute against them to get my payment sent back to XXXX. I filed a dispute and after XXXX plus months, XXXX has been unable to retrieve my payment from XXXX. XXXX also told me that I had no way of contacting directly their dispute center... very odd I thought. 

XXXX has verified that XXXX did receive the electronic payment from my bank account on XX/XX/XXXX. The Comenity folks told me that the payment should have bounced back to XXXX since the XXXX account was no longer valid but that has not occurred. Any help at this point would be greatly appreciated. My Truist checking account number from which the payment was sent is XXXX. My address at the time we had the XXXX  card in XXXX was : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( we have since moved to XXXX, XXXX ) Please let me know if you require any further information. Thanks in advance for the help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08 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: TX

Complaint narrative:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
i keep asking them to verify the account and all that they say is that it's my account. I ask to see the signature and they say that all they have to do is to verify my ssn and that's all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
The Money Source Mortgage Company is my mortgage provider. 

I applied for mortgage assistance XXXX, XXXX. Today XX/XX/XXXX they still have not processed my application and are now saying i need to submit a new application. 

I applied for mortgage assistance because I was going to be off of work for an extended period of time XX/XX/XXXX, XXXX XXXX XXXX. I needed time off because of burnout from working as a XXXX  during XXXX. I originally had a start date of XXXX XXXX that was a verbal agreement. I was informed before XXXX that they no longer had any positions open. I went through my agency to find a new position, but onboarding for XXXX  takes a long time and I havent started my new position yet. 

I get several calls a week from the mortgage servicer to tell me that they have my application but it will still be another 30-45 days to process. This has been going on for 2 months. Today, someone named XXXX called and said they need verification of my income to process the application, when its been made clear from the initial application and further letters of explanation that I currently do not have an income. 

Each month its stating Im missing a payment and ruining my credit score. I cant lose my house because if I do I will lose any ability to house my child. I feel like Im being strung along by jthem so that I do eventually lose my house. 

Im currently trying to sell my house so that I dont lose it, but I dont want to sell my house. Ive put so much work and money into it and Ill get next to nothing if I sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NY

Complaint narrative:
I had someone that was not me try to take credit cards and loans out in my name. 
It caused issue with me buying and getting a home improvement loan. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NV

Complaint narrative:
UWM has finally reviewed my appraisal with the request to remove my mortgage insurance. They sent me an email on XX/XX/XXXX stating they have honored my request to remove the mortgage insurance from my mortgage payments. They have still charged me mortgage insurance in XXXX and they have told me they are also charging me mortgage insurance in XXXX and the removal of the mortgage insurance will start XX/XX/XXXX. I asked their chat support why they are still charging me XXXX months of mortgage insurance and they said that is how they do business. This does not seem fair or legal to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently contacted you about a bankruptcy showing on my credit report. You responded back that it was " updated '' after your investigation. Now I am wondering if you really did an investigation at all. The information is the same. What exactly did you update? I have already contacted the court and in their letter, they stated they do not provide information to credit bureaus. The court is the original source to verify bankruptcy information. I also looked in XXXX as well. I know that you did not do your due diligence in " verifying '' this information because you have the name of the courts wrong. Can you please provide me with the name of the furnisher you verified this information with, who you spoke to, and the dates you contacted them? I would like to know how and where you verified this inaccurate information that is reported under my social security number on my credit file.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account was closed and charged off but still adding late fee and interest to account and reporting late 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 explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The account was closed and charged off but still adding late fee and interest to account and reporting late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The account was closed and charged off but still adding late fee and interest to account and reporting late payment.

Company response to consumer: Closed with explanation