vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Motolease, LLC
State: IL

Complaint narrative:
Account started in XXXX. Account was charged off due to family struggles. In XXXX a credit report was pulled in XXXX showing correct account information ( charged off ). When finalizing an application credit report was pulled again in XX/XX/XXXX. Motolease , LLC had, at that point, reported the account was opened in XX/XX/XXXX and showed it as an active open account. We immediately disputed with all three credit bureaus and contacted Motolease to make sure this never happened again. I spoke with a customer service rep who stated " Our supervisors don't have access to phones, but I need to get you to the resolution department. '' She then transferred me and a man picked up the line and stated " Do you mind if I place you on a brief hold while I look into the account '' ( after again asking for a supervisor ). I was on hold for over XXXX minutes when a different woman picked up. She stated she would try to get a supervisor. I mentioned that I didn't want to be on hold only to be randomly transferred without being told again and she assured me " If it takes longer than a couple of minutes, I will check in with you. '' I was on hold for over XXXX minutes when I was hung up on. I tried to contact back and it said " No one is available to take your call. '' I disconnected and called again and got the same woman who had disconnected the call. She place me on hold again for over XXXX minutes and said the account is open. I told her I have a credit report showing it was charged off from XX/XX/XXXX. She stated that the account was still open and that Motolease has continued to try to contact us in regards to it. When I asked when the last call was she told me XX/XX/XXXX! They haven't contacted us in over 5 years, they charged off the account and because the statute of limitations is running out ( 7 years ) they are trying to reopen the account. I let her know we would be seeking legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
On XX/XX/2023 I received an adverse action notice from this company via email for a loan I did not apply for. I chatted with someone online via their website and informed them of this fraud, and they were not helpful and alluded that I had done it but had forgotten. This is not the case. 

I then called and spoke to customer service who was unable to locate my information. I was calling to request information, including copies of the application, which was fraudulent, and I informed them of the fraud. They continually questioned that I was calling the wrong company, but I confirmed I was calling the correct company on several occasions. Nothing came about from their contact, and according to what I was told, nothing was done because they couldn't find the application. He also stated that the address I read from the Adverse Action notice was not the company 's address. 

I also checked with the credit agency included in the Adverse Action Notice, and they had made an inquiry that matched the same company name. They should have a record of this application.

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 2023-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my report I noticed a credit card by the name of XXXX XXXX  with an open balance of $ XXXX reached out to the company and spoke to a rep.I stated to the rep about my finding of this unauthorized and fraudulent account. The rep stated to me the company can not do anything until a report has been submitted. The account below is the fraudulent account also an FTC report has been attached to this complaint. 

XXXX XXXX  XXXX account number 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 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In XXXX of XXXX, PNC Bank put my account under investigation for receiving a XXXX XXXX. The same day I received a direct deposit from my previous place of work. I knew it was an accurate payment so I waited 45 days for the investigation to be completed. In XXXX of XXXX my account was closed and I was told I would be mailed a check with my remaining balance. After 2 months I was not mailed a check. In XXXX of XXXX I called PNC to see why my check had not arrived. I was then told my remaining funds were escheated and I would have to wait until they updated their system in XXXX of XXXX, I called back and was told that I would not be receiving my funds and my account is under investigation, and that they were not required to give me any details. It is not XXXX of XXXX and they still havent given me any updates, or given probable cause to still be holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2023-09-14 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:
In alignment with the Fair Credit Reporting Act : The accounts listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXX account number XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have 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 non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am an XXXX XXXX XXXX Veteran. I purchased my home in XXXX, and I have consistently lived in it since. In XXXX, I hired an attorney and successfully sued Wells Fargo in the United States District Court to get a loan modification. The case settled and concluded with Wells Fargo granting me a loan modification which was reduced to a writing approved by the District Court Judge, me and Wells Fargo. I have abided by the terms and conditions of the loan modification agreement since XXXX, not missing or being late on any payments. However, the Escrow Department of Wells Fargo has violated the agreement on multiple occasions, charging me in excess of what was due for taxes and insurance. On XX/XX/XXXX, I notified Wells Fargo 's Escrow Department that it needed to adjust the escrow account to correct errors and accurately reflect the proper monthly mortgage payment and the amounts due for taxes and insurance in accordance with the loan modification agreement. The Escrow Department refused to accede to my request. On XX/XX/XXXX, I wrote a letter to XXXX XXXX XXXX, XXXX, Wells Fargo Home Mortgage, explaining the problem with the escrow account and requesting an accurate escrow account statement, an audit of the escrow account associated with my loan, and a waiver of my obligation to pay Wells Fargo escrow funds because I wanted to pay the taxes and insurance myself. XXXX XXXX referred the matter to the XXXX XXXX XXXX XXXX, which assured me that the matter would be resolved by XX/XX/XXXX. After XX/XX/XXXX passed without a resolution, I called the XXXX XXXX XXXX XXXX, and learned that their requests for action have been ignored by the Escrow Department. However, for some reason, the XXXX XXXX XXXX supervisor has refused to escalate the matter up to higher managers. For two months in a row, since XX/XX/XXXX, this matter has remained unresolved, my mortgage payments are being held in suspense and I am being considered delinquent. I am suffering a lot of anxiety, stress behind these inexcusable failures to act, and it is affecting my health. In some ways, I think they are doing this on purpose, as I am entitled to principal credits of {$5000.00} for making timely mortgage payments, and Wells Fargo is now ruining my record.

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 2023-09-14 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: IL

Complaint narrative:
Experian violated the Fair Credit Reporting Act due to improper use of my Experian credit report for purposes not allowed by law, due to failing to uphold the obligation to remove from my Experian credit report any accounts placed for collection or charged to profit and loss which antedate the report by more than seven years, per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ].

Experian failed to uphold the duty to remove both accounts from my Experian credit report : DEPT OF ED/XXXX ( Opened XX/XX/XXXX ) and DEPT OF ED/XXXX ( Opened XX/XX/XXXX ) which per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Experian held a duty to remove both after the date of XX/XX/XXXX at the latestas both accounts are now nine years and eleven months oldand so, are too old to still be reflected in my Experian credit report, and per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ] of the Fair Credit Reporting Act, shall be removed from the Experian credit report, due to both DEPT OF ED/XXXX accounts that were opened in XXXX of XXXX antedating the Experian credit report by over seven years. 

This complaint is an effort for Experian to be compelled to remove all accounts that antedate seven years from my Experian 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 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have auto pay set up then they claim I made a payment online on SatXX/XX/XXXX. I did NOT log in or make any payments. The extra payment was PULLED from TWO of my accounts by Mr Cooper. I read this you guys investigated the exact same thing back in XX/XX/XXXX affecting XXXX customers back then. I don't know how many others are affected, but I have two mortages with them and BOTH of my accounts were double withdrawn on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: WV

Complaint narrative:
My card was used for several days without my knowledge by obvious thief 's with knowledge of this particular scam. I have attached all purchases made that were not made or authorized by me in any way. The company is refusing to do anything about it because it was digitally authorized. Whatever that means. I've been in contact with them for over a month now trying to find a resolution and I just received a letter from them ( attached ) that their not going to do anything about it and the case is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX, 2023 I received a letter from XXXX XXXX XXXX XXXX on behalf of CitiBank N.A. 

On XX/XX/2023, I sent a detailed letter requesting the following : XXXX. Certified copy of the XXXX contract or agreement between XXXX, CitiBank, and I ; XXXX. XXXX ' business license, showing that they have the authority to do business in the XXXX of Ohio ; XXXX. XXXX ' Debt Collector License in the XXXX of Ohio ; XXXX. Complete payment history between me and the alleged Original creditor XXXX. The Original Purchase Agreement that shows XXXX legally owns the alleged debt. Including all of the terms and that are included in the purchase agreement ; XXXX. The age of the alleged debt ; XXXX. A calculation of whether the Statute of limitations has expired for collecting the alleged debt ; and XXXX. The last action taken on the account for the alleged debt. 

I sent this letter Certified Mail - Return receipt requested. XXXX XXXX : XXXX. XXXX received the letter on XX/XX/2023 at XXXX am. I received the return receipt, Receipt No. XXXX. 

Today, XX/XX/2023, I received a letter from CitiBank, attempting to validate an alleged debt that they are having XXXX collect on their behalf. They only sent me a stack of credit card statements, and included that since they - CitiBank- is a national bank that they are not required to hold a debt collection license. 

" To the extent you asked about our authority to collect this debt : As a national bank, we are not required to hold a debt collection license. '' I never asked CitiBank to validate my alleged debt, nor were ANY of the demands in my letter addressed to CITIBANK, but to XXXX XXXX XXXX XXXX, a separate third party entity. 

CitiBank then claims to have provided everything to me that their third party debt collector is required to provide, when they clearly haven't and consider this alleged debt as valid.

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 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have my paid off receipt from XXXX saying that I paid off my {$43.00} balance with XXXX. XXXX is now reporting on XX/XX/2023 that my last payment to them was in XX/XX/2023. That is an accurate because again I have that receipt stating that I have paid off all my balance with XXXX, and they are going to report the positive payoff balance to all credit bureaus, which they failed to uphold their own words thus reporting negative balance to my credit at the reading of the receipt. All negative information report it to my credit bureau should be removed it once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: OH

Complaint narrative:
XXXX was my customer service representative and i was far from pleased. My issue is that i have had 2 negative reports made on my credit report from self lender. The initial negative report was my own fault. I had autopay set up and my account was delinquent so autopay was declined. I manually made a payment, but was late. After that, i now have another negative remark on my credit report due to another missed payment. Only this time, my bank account was in the positive, and could have ( should have ) been charged since i was enrolled in autopay. Or so i thought. XXXX let me know that self lender automatically took me off autopay, with no notification to myself. I asked her how i was supposed to know and she said i am supposed to check monthly to make sure my autopay is not turned off. I asked her to cite the policy that explains this and she could not. I let her know that i would be disputing this and she told me i am not able to dispute anything. I told her i have made disputes before and am knowledgeable on how to make a dispute and she reiterated that i am unable to dispute anything with credit that has already been reported. 

If autopay failed, my payment obligation should be suspended, under the Electronic Funds Transfer Act, and i should not be considered late. Therefore, my credit report should be updated to show this. 


I would like this resolved immediately. I would like to continue my autopay ( without it being canceled or shut off without my knowledge ), and would like my credit report to reflect on time payments aside from the initial ( and only ) late payment due to my own fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Object : BARCLAYS Financing Mastercard I paid their residual balance in full of {$700.00} after they improperly reported my account as delinquent twice. When I made the phone call sometime in XX/XX/2023 and ask them about my total remaining balance and I paid the whole amount at once and I told them to go ahead and close my account permanently. Hence, after permanently closing my account and praying my final balance in full, BARCLAYS FINANCING MASTERCARD falsely generates another charge of {$52.00} in way interest charges which also got reported as delinquent. 

However, they abused their reporting power and now my credit score shows 2 delinquent reportings from BARCLAYS FINANCING. I have been a client with them over five years and never have any issue. 

I am victim of false reporting from BARCLAYS FINANCING because of false reporting and unjust reporting.

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 2023-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I deposited a check into a new savings account on Saturday. I was told and given a printout that stated that part of the deposit would be available on XX/XX/XXXX and the remaining would be available on XX/XX/XXXX. The " bank '' has now put a hold on the check stating that they are not sure that the bank check I received from the sale of a home will be funded and they are keeping a hold on the check until at least XX/XX/XXXX. I called the bank today to find out what was wrong as I needed the advanced funds to pay bills that are due on XX/XX/XXXX and I will default on my bills if I don't have the promised advanced funds. They said that there was nothing they really could do but were appealing to see if they could get some of the funds released but they will not know about that until Monday. I am desperate to get my money and they are not helpful at all. The fact that they can decide if and when I get the check deposited and then determine that I am not eligible for the advanced funds that were promised. I am a 31 year customer of this organization.

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