vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX ( XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX 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 non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2022. Me and my friend XXXX sent money to someone who we thought was our future landlord but turned out to be a scammer. She had come across a listing on XXXX that had stolen the pictures of the real property owners but had false contact information. We were sent an application to fill out, and were told to send them money through XXXX. Around XX/XX/2022 I began to be suspicious when I searched the address and found the real property owners website. I called and they confirmed we had been scammed. I called Wells Fargo immediately and reported the fraud. They did not offer much help or guidance during the call. I never heard from Wells Fargo about it, but soon my account would be negative. Losing {$500.00} in a scam while I also lost my housing and job I spent what money I had left to survive hoping Wells Fargo would return my money. I turned to high interest loans but eventually it wasnt enough and my account was negative. I eventually realized Wells Fargo was not going to help me, I couldnt fill out the complaint form through XXXX cause I needed numbers from Wells Fargo they never provided me. My account eventually closed around - {$220.00}. Im disappointed because if I had the money returned it wouldve covered the balance and maybe my account would not have closed. Now I owe Wells Fargo even more money and they wouldnt do anything when I lost {$500.00}.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 
XXXX XXXX XXXX XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instuctions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I went to a dealership to purchase my car approximately 3 years ago. At the time I brought in a pre approval letter from XXXX  XXXX. I had done all the necessary things before driving XXXX miles to buy the new car. When I arrive to make the purchase the dealership was closing. They came back and told me I was denied the XXXX  XXXX loan but was able to get me a loan with Santander. The place was pretty much closed and I was left there to either sign on to a new loan or walk away with no car. I signed and drove away. The cars value was {$23000.00}. As of now, 3 years later Ive made {$16000.00} in payments ( according to Santander ) and still owe {$27000.00} due to astronomical interest rates. I have the hardest time trying to refinance the car which the car salesmen recommended I do after 6 months. I now see why. By the time Im able to pay off the loan I would have brought the car twice. Ive tried to reach out to Santander and was abruptly hung up on after I mentioned seeking legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: SC

Complaint narrative:
XXXX charges worth {$500.00} were made in California at XXXX grocery store using my CashApp card and I live in South Carolina. The transactions were made over the course of XXXX minutes of each other. I was in South Carolina when the charges were made and I had my phone and card on hand. I did not give anyone my personal information and didnt authorize for these charges to be made. I contacted cashapp minutes after the transactions were made. They were pending on my account when I contacted them. The transactions were complete until the following day and I was instructed to call CashApp back once the transactions were complete in order to file disputes for all 4 charges. The following day a charge to my card was attempted in Indiana, and I was still in South Carolina. CashApp denied my disputes to receive my funds back, but it is clearly fraud on my account. They wont allow me to talk to anyone who makes these decisions. I also contacted XXXX for assistance but havent received feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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 — Their investigation did not fix an error on your report
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I'm now at an hour and a half of waiting to reset my password because their account recovery features don't work. Their entire payment process is miserable I get a phone call everyday to pay and then when I try I have to wait this long. 

Also their call center is out of the country. Why is my social security number and personal information being sent to XXXX. 


Please sell my loan to an actual reputable bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank, XXXX XXXX XXXX has incorrectly assessed payments and is reporting my payments late in my credit report. I am not late and this should be corrected forthwith. It cost me thousands of dollars more on my new lease worh XXXX bank. I will sue Chase Bank for damages caused to me as a result. This needs to be corrected as my other vehicle is due for return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.

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 2022-10-14 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:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-14 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:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX stating that I owe XXXX from an apartment complex that I moved out of. I paid the last XXXX rent on XX/XX/XXXX, I already provided a XXXX XXXX notice on XXXX XXXX. My move out date was XX/XX/XXXX. I returned both sets of keys and the office provided a document that stated they received my keys. In XXXX XXXX XXXX, I received a letter from this company. I called the company and they stated that they didnt know why I had a account with them but the lady stated that apartment complex sent me to collections for unpaid utilities. Mind you I paid everything before I left and the company charged me for utilities which was in my name and I transferred it to my new place. Im not responsible for a complex utilities if Im not occupying the property. This company is trying to collect on something that Im not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account XXXX XXXX  ago with Bank of America. Approximately XXXX XXXX later I deposited my check from my employer in that account at the ATM, on 9/30/2022.Then there was a hold put on my account and it said the check would be cleared on XXXX XXXX. When go to log into my account on the banking app, I receive prompt stating that I need to contact a number my account is on hold. When I called BOA they told me the account is being closed, and they don't know the reason the bank just chooses to end the relationship. The account is scheduled to close XX/XX/2022, I asked how is this possible when know one has told me anything. On XX/XX/2022, I received to letters in the mail saying that my account was closed because they couldn't verify my identity, but that isn't true. When I opened the account I provided my Driver license and Social Security card with all the valid information. Every time I contact the bank, they have an extended date on when my funds will be mailed to me by a cashier check, totaling {$1400.00}. Which I need to pay my bills. The date has changed XXXX  times from the XXXX, to XXXX, XXXX, and when I called XXXX XXXX now they are saying the account won't be closed until the XXXX. I requested to have my funds released at the local BOA. This isn't fair to me, I will now be late on all my bills nearly XXXX XXXX If the bank chooses to end their relationship with me that's fine, release my funds, the check has been cleared, and if that's the case why open the account in the first place?

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 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX of 2022 A representative from American Express XXXXadvanced collection mitigation unit collection called to discuss my account. I explained I lost my business, my father passed away, my identity had been stolen, and did not have the income to make full payments. She empathized whit me and offered an option to keep my account in good standing, relieving the interest, and removing late charges. We agreed on a monthly payment of {$160.00} for both accounts, and in turn, my account would not be reported as delinquent. She proceeded to set my bank account number up for the autopsautopay and charged me the initial fee to activate the relief account. 

American Express has failed to update the information to the credit bureaus and instead has reported my account as delinquent, they continue to charge interest and late fees. They are taking XXXX per month for each card instead of the agreed-upon XXXX for both accounts. I have spoken to several representatives, and supervisors and they refuse to refund my money and refuse to honor the initial agreement. This month they took the money I had for groceries and sent me into an overdraft. I was only expecting a XXXX dollar charge and instead, they took that money 2 times again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage
State: GA

Complaint narrative:
Lost my homeowners insurance due to mortgage company not paying my escrow. Got a call from my insurer in XXXX of 2022 stating they have not recieved escrow, called my mortgage company and they said they paid it. Fastforward to XXXX of 2022 found out my insurance had been canceled due to none payments by my mortgage company I reached out to my mortgage company but they can not give me an answer they told me they will call me back but they have not in over a week. Try calling again but call will not go through. As of today I have no insurance on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violate my rights. 
15 USC 1681 section602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One -reported late payments during XXXX XXXX - Late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: NC

Complaint narrative:
I received an RV loan from Alliant, through the RV dealer, in XXXX XXXX XXXX  After several months, I noticed that my balance was not decreasing. I had asked for an explanation, and the representative stated " Our consumer loans ( for example, car loans and personal loans ) are simple interest loans. When a payment is made to the loan, any interest that has accrued since the last payment was made always gets satisfied first, and then the rest of the payment amount will be applied to the principal balance. '' My payments are due on the XXXX, however I sometimes wait until the XXXX to pay. Each payment shows a wild variance in how much of my payment is applied to interest versus principal. I have printed out an reviewed each payment made, and subsequent change in allotment to principal versus interest. It looks as though they are double-charging for days of interest, and no explanation has been provided as to why. 

I requested an amortization schedule and discovered that my balance, based on on-time payments, should have decreased by about {$2000.00} over the past 12+ months. That has not happened. In fact, my balance is roughly the same as the original, if not MORE. 

Something is not right here. Either they are purposely mishandling payments, double-charging interest on several days a month, or I got roped into a loan I didn't fully understand by a shady dealer. 

To be clear, I have never been more than 15 days late on making a payment. I have never gone 30 days+. All payments have been made, yet no progress has been made on the loan. 

Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Hello, back in XXXX of 2022 I filed a dispute against inquiries listed on my credit report. I asked Equifax to verify the items on my credit report for accuracy several times, and they continue to verify the items on my report as accurate. I then asked XXXX to give me documentation on how they " verified '' the information as accurate in under 48 hours ( let alone 30 days ), and they did not. This is a Violation of my rights. 


So I'm writing you to investigate the following actions of Equifax for the following items and reasons : CREDIT INFORMATION XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX XXXXXXXX XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXXXXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report. 

XXXX XXXX, XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report. 

XXXX XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report. 

15 U.S.C 1681 section 602 A. States I have a 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. Please delete these unauthorized entries from my report. Thank you!

Company response to consumer: Closed with explanation