vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We were victims of fraud, both XXXX and XXXX. The fraud department agrees with the XXXX claims ( about 10different transactions ) but the wire fraud department says it is our fault. Some background, I received a call from someone claiming to be Wells Fargo fraud, the same way the actual fraud department called me. The fraud used the same phone numbers, text numbers and even used the same script their fraud department uses. As part of the verification process they texted me a code, from a valid phone # that I had history of receiving validation codes from, and that is apparently all they need. The wire fraud has denied our claim of {$5000.00}. 
1 ) how can two different fraud departments issue different judgements?

2 ) is Wells Fargo responsible for the fact that their phone # s are being used to perpetuate fraud? 
3 ) what is my recourse, the wire fraud department said they already appealed it to their appeals department and they also denied it as fraud. How is that possible and fair? 

Thank you for your help

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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CO

Complaint narrative:
Good morning, I am writing to dispute the charge of [ {$2000.00} {$10000.00} {$2400.00} XXXX {$2400.00} {$1100.00} ] I'm not knowledgeable or familiar with this unauthorized transaction that was deducted from my account and visa debit card XXXX, Am not notify the suspicious activity in my chime bank account. I'm disputing this trensaction becaus because didn't make the transactions as My bag was Stolen from me that is when my loan money was hijacked, the fund from XXXX {$20000.00} deposited in the bank XXXX XXXXXXXX XX/XX/2021 for a personal business. 

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ] [ CHECKING ACCOUNT ] Re : Notice of disputed charge to Account No. [ XXXX and the Visa XXXX ] I'm badly damaged and unhappy about this, I want to use the funds to PAY OFF CREDIT CARD WITH OTHER HIGH INTEREST DEBT.. I would appreciate your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: NY

Complaint narrative:
Credit Bureaus reported late payments on a vehicle. A few days later I checked and saw it was now reporting as a charge off. I contacted the credit bureaus in writing and have had no response.

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 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I opened a Venmo account on the XXXX of XXXX bc a friend needed to pay me back for something I bought for him that he could not get to in time. I was approved to open the account a d even get one of their debit cards. There is now {$120.00} sitting in my account that is " frozen ''. I can not get anyone to tell me why or how to fix it. I have called every single day and get no where. I think venmo is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Credit karma is listing a closed account that was paid in full in XX/XX/XXXX. Portfolio recovery opened in feb. XXXX. It was paid in full for XXXX in XXXX of XXXX. They said they lost the copy of the check and they could not investigate it they were not able to go that far back. Please investigate it. This company is a fraud and its ruining my credit. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: FL

Complaint narrative:
My wife and I have a joint account for checking. It was used to pay our Discover credit card. My wife became a victim of fraud and all of our banking information at XXXX was compromised. XXXX changed the information but it was near the billing cycle and the payment for Discover was late. Ive never had a late payment in my life ( see credit report ). In fact, immediately following the notice, I paid additional principal and reached out to XXXX and Discover to dispute this but no corrective action was taken. This was bad timing beyond the control of my wife and I as I made attempts to correct this unfortunate event.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: NY

Complaint narrative:
Credit Bureaus reported late payments on a vehicle. A few days later I checked and saw it was now reporting as a charge off. I contacted the credit bureaus in writing and have had no response.

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 2022-09-07 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:
Credit Bureaus reported late payments on a vehicle. A few days later I checked and saw it was now reporting as a charge off. I contacted the credit bureaus in writing and have had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cornerstone Holdings, Inc.
State: MO

Complaint narrative:
XX/XX/22 a most recent credit report revealed an account in collections. A letter was sent to XXXX XXXX asking yo verify debt on XX/XX/22 certified mail ; no response was received providing any of the information requested. Pursuant to 15 USC 1692 ( d ) .1, Cornerstone Credit Services, a collections company, has violated the FDCPA by damaging my reputation which is my credit history and score as their alleged debt has now been reported. I have never been contacted about this debt nor spoken to anyone and was unaware of the existence of said alleged debt. The reporting of fraudulent information by Cornerstone Credit, whom I have no contract or agreement with regarding any alleged debts or services, is defamation and stands as damages to my personal reputation. If Cornerstone Credit can produce a contract I have with them, I will gladly review and respond and I will be sending communication to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On or about XXXX I contacted Mr. Cooper about closing my escrow account since am eligible to do so. A supervisor said that she entered the request in the system. I called several times after because I didnt see any movement in my mortgage account. On XXXX, I called back and was told that I couldnt because the loan to value ratio was at 80percent. I demanded a recount as clearly it was an error. Then they stated that I filed for a modification which I never did. Now i wonder if they are adding erroneous documents in consumer files. Then I was told ok we need to send you documents to sign before we can refund your escrow money and close the escrow account. I let them know that I was previously told that a couple weeks back. This is the second issue with this company attempting to hold my money or post funds in ways that benefits them. The last issue in XXXX, they took a large sum sent to be paid all to principal and made an advance payment which gave mr cooper more interest than entitled to. I had to fight to get that corrected. Please pull this companys reviews as many other consumers are stating that they are having similar issues. This company should be investigated for fraud because too many consumers are being affected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
CREDIT CONTROL Account # # # # # XXXX {$3900.00} Account # # # # # XXXX. {$120.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Va XXXX XX/XX/1971 XXXX XXXX and credit control cooperation failed to do a proper investigation I am requesting the procedure of there investigation. Under the FCRA they are required to respond and be 100 % accurate of the debt validation letter 15 U.SC 1681 section 602A States I have a right of privacy 15 U.SC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions Please delete these accounts immediately unless you want to be XXXX {$1000.00} per valetation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX - Account # XXXX and XXXX XXXX XXXX  - Account # XXXX, has violated my rights. 

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.

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 2022-09-07 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX - Account # XXXX and XXXX XXXX XXXX  - Account # XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 1668B : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 1668B : 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 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: WV

Complaint narrative:
This company set me up with an exorbitant interest rate auto loan a few years ago. I have made payments to the best of my ability through times of job loss, income loss, and pandemic related upheaval over the years. Anyway I have fallen behind recently and have done my best to not be more than 60 days late at the very least. I have made payments biweekly for some time now and keep getting exorbitant late fees piled on with seemingly no amounts being applied to principal. I have recently gotten a repo notice even though I have not not hit 90 days late ( and don't intend too ). I constantly get phone calls and as a medical provider have no time to talk to their agents. I have used their emails and messaging system on their website to no avail. They send no info or advice through these systems only try harrasing phone calls multiple times a day. Exeter needs to dispense with the constant late fees, phone calls, and whatnot and show results toward principle of their auto loans and do better to help people who are upside down on their loans instead of making the situation worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This is fraud. XXXX from XXXX from synchrony bank has not called me back regarding this matter. This is complete fraud and they know it. I am not responsible for this that its their problem. They need to be held responsible. She never calls back I left her several messages emails and no response. Id like to speak to her boss ASAP regarding this matter

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 2022-09-07 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The company has ignored the salient aspects of the claim. Regarding account figures the credit card numbers issued were incorrectly referenced in confirmation emails in my possession, independent of any fraud claim. New information has come to light when I looked further into PenFed 's management of their brand, web portals and cybersecurity practices. Upon further investigation, the scraping of my personal data carries those same credit card numbers " issued in error '' by PFCU 's admission. Those redundant email communications and portal web viewed were spoofed as part of the ongoing fraud in operation since April of 2022 '. The failure of PenFed to manage their customer facing portals and allowing personal credit card numbers to be scraped is the main driver of the causation here. See https : XXXX I suggest that this be escalated from typical collection reporting due to the circumstances. I will make a complaint in court together with damages if the credit reporting issue is not rectified. I will not take responsibility for the mismanagement of my information. The response is wonderfully data driven, but does not address the causation. The contact information on my account may very well be incorrect as well, as I have not received any communications. When were these last changed? how was this done? I am locked out of my PenFed portal.

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 2022-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
Our mortgage payment was raised due to an escrow shortage so we applied to have our escrow account canceled. We were informed that our escrow account could not be canceled due to a previous late payment on our record. Our mortgage company has been in charge of paying our home owners insurance and our taxes. When we reviewed the records we discovered that the late payment was due to our Mortgage company ( Truist ) not paying the full amount that was owed on one of our tax payments. Due our Mortgage company not paying the full amount, there was an extra amount that was not paid on time. We got proof of the short tax payment from our town and we feel that it is unfair for us to be penalized, and not allowed to cancel our escrow account, due to a mistake that was made by our mortgage company and something that was not our fault.

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 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 explanation
Consumer complaint received 2022-09-07 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist bank reported a 30 days late payment notice to credit bureau on XX/XX/XXXX reporting that I have a past due payment for {$120.00}. A check for {$120.00} was sent to Truist on XXXX XXXX which was cleared and cashed by Truist on XXXX XXXX, But Truist failed to post the check to my account due date on XXXX XXXX and instead they posted the check on XX/XX/XXXX, XXXX resulting in a late payment. 

In addition, payments record from Truist credit card statement indicates that I have never failed to submit a payment on time. Therefore, I am not sure where is the 30 days late reporting is coming from. 

Upon contacting Truist, They indicaed that there are a posting problem on their end and sometimes it is taking more time, which causing for the payments being misapplied towards different statements and invoices. 

I filed a claim with truist to correct the reporting on XX/XX/2022 and I have yet to hear from them. I filed a dispute with XXXX on XXXX XXXX as well and I submitted all the evidance supporting my case ; however, they still did not remove the late payment reporting on my payment history which is resulting significant financial damage due to my credit scoring dropping more than 50 points which led to me not being able to apply for financing to purchase solar panels system for my property.

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 2022-09-07 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
To Whom it Mav Concern. 
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information. and accounts ( hat are Un-Ventlied. According to the Fair Credit Reportin? Ati, Section b.lSAof the FCRA - vou are required to promptly Oblaisalinformation that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 9 1681., every single one even each any of the unproven, non compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory atcounts must be promptly negated in its entirety or the alleged accounts are to be I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts of provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reportinn standards arcordins to resulations.The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED XXXX INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOr PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately do so TODAY, even right NOW The obvious infractions are as follows : XXXX XXXX  and Account as is reported on my credit report : dispute item Ally Finical and as I have never opened an account with that provider I have never co signed for anyone By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the RSA enacted CDIA XXXX XXXX  COMPLIANCE regulations, I demand that these above mentioned derofatory items be investigated and permanently removed from my 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