vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Due to mail handing issues, Wells Fargo flagged my checking account to be force closed without informing me. When they closed the account, they put a cashiers check in the mail to the wrong address and will not give me the funds from the account at the branch.

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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: FL

Complaint narrative:
My wise got deactivated last month I have my funds in them but they didnt give me my funds back. I appealed them but they didnt give any satisfactory response. and said they wont give me my funds.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 2024-01-30 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
During XX/XX/XXXX through XX/XX/XXXX, XXXX is reporting that I am anywhere from thirty days to one hundred eighty days past due, while I was in Forbearance with XXXX dollars owed. They reported this on XXXX accounts. I have sent certified letters requesting statements showing I owed money, they never sent me anything. I asked for an account detail and only get from XXXX to current. XXXX acknowledges that the reporting is incorrect every time I call ; however, every dispute I file with the credit reporting agency, XXXX says the reporting is correct. I have now recorded my full conversation with XXXX for proof. I can't get approved for a home loan or anything. I've been fighting this for years. According to the XXXX reporting I would have defaulted on my loans, thus not being able to receiving further funding. The DOE shows I have never been late on one single payment since I took out my first loan in XXXX. I'm asking for assistance as this is costing me loads of money in interest and the ability to own a home. This is unjust after fighting XXXX years.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
During XX/XX/XXXX through XX/XX/XXXXXXXX  XXXX is reporting that I am anywhere from thirty days to one hundred eighty days past due, while I was in Forbearance with XXXX dollars owed. They reported this on XXXX accounts. I have sent certified letters requesting statements showing I owed money, they never sent me anything. I asked for an account detail and only get from XXXX to current. XXXX acknowledges that the reporting is incorrect every time I call ; however, every dispute I file with the credit reporting agency, XXXX says the reporting is correct. I have now recorded my full conversation with XXXX for proof. I can't get approved for a home loan or anything. I've been fighting this for years. According to the XXXX reporting I would have defaulted on my loans, thus not being able to receiving further funding. The DOE shows I have never been late on one single payment since I took out my first loan in XXXX. I'm asking for assistance as this is costing me loads of money in interest and the ability to own a home. This is unjust after fighting XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
During XX/XX/XXXX through XX/XX/XXXX XXXX XXXX is reporting that I am anywhere from thirty days to one hundred eighty days past due, while I was in Forbearance with XXXX dollars owed. They reported this on XXXX accounts. I have sent certified letters requesting statements showing I owed money, they never sent me anything. I asked for an account detail and only get from XXXX to current. XXXX acknowledges that the reporting is incorrect every time I call ; however, every dispute I file with the credit reporting agency, XXXX says the reporting is correct. I have now recorded my full conversation with XXXX for proof. I can't get approved for a home loan or anything. I've been fighting this for years. According to the XXXX reporting I would have defaulted on my loans, thus not being able to receiving further funding. The DOE shows I have never been late on one single payment since I took out my first loan in XXXX. I'm asking for assistance as this is costing me loads of money in interest and the ability to own a home. This is unjust after fighting XXXX years.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just looked at my reporting and I saw that I have a late payment. However they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem but I haven't not seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This a violation of my federal right. Can you help with this matter. Thank 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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
a capital one bank account was opened in my name in XXXX in the year of 2021 for the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
on XX/XX/ i sent a dispute request to equifax in regards to some information that was incorrect. It has been passed 30 days and they have yet to acknowledge my request and dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-30 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships
with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.

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 2024-01-30 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally received over XXXX from an initiated XX/XX/2023 transfer from XXXX acct XXXX to Ally XXXX # XXXX this transfer was successful but needed 'good faith ' that cash would follow. Ally claimed not to have received the cash so in May I initiated a second ACH transfer for 10,11753 from XXXX  to Ally altho credited to my account Ally claims funds were frozen by XXXX bank. I tried to transfer again in XXXX XXXX to Ally and XXXX declared the account frozen -- according to Ally. 
XXXX did some research ( XXXX ) on account ending XXXX on XXXX and had details about the XXXX transfer and declared the money from the beginning was not frozen, not suspended by XXXX. 
XXXX has communicated several times that Ally had the XXXX from the first ACH transfer in XXXX which Ally denies, doesn't give me interest, it doesn't show up on my account until XX/XX/2023. This began in XXXX. 
Because XXXX claims they never suspended or froze my account during the XXXX transfer of XXXX and Ally claims they never got the full amount ( cash ) from XXXX due to XXXX freezing or suspending my account. 
I guess one could assume I'm confused. I began with XXXX added XXXX ( disputed ) and I should have had XXXX but after 6 months the total dropped to XXXX and that's about all I ended up with. I'm sure some went into CDs but I usually put the same amount every month. This didn't add up to that.

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 2024-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
a collection appeared on my credit report from XXXX XXXX XXXX. I contacted my attorney regarding the issue. He sent them a letter requesting documentation of the debt and received no reply. I have requested information via email and have received no response. 
I reached out to TransUnion and disputed the entry which they said the investigated and found it to be valid. I asked what evidence / documentation they received and they advised that they don't do that. Basically they ask the entity that posted the debt if it's correct, they said yes, end of story. 
This has be ongoing for over two years and I can not reach a closure and it's affecting my credit. 
There doesn't seem to be any recourse for the consumer. If XXXXXXXX XXXX  can provide documentation of the debt I'll take care of it. If they can not, they need to remove the entry on my 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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-01-30 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several hard inquiries that have recently surfaced on my credit report, which I obtained from your agency. Upon a careful review of my credit history, I have identified specific hard inquiries that I believe to be inaccurate and request their prompt removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute several hard inquiries that have recently surfaced on my credit report, which I obtained from your agency. Upon a careful review of my credit history, I have identified specific hard inquiries that I believe to be inaccurate and request their prompt removal.

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XXXX of 2023 I signed up for the American Express Hilton Honor Surpass Card. The reason I did so was because there was an ongoing promotion where after opening the account I would earn XXXX Hilton Honors bonus points after {$3000.00} or more in eligible purchases were made on the Card within 6 months of membership. I met this threshold in XXXX of XXXX. 

I contacted customer service via chat on XX/XX/2023. They confirmed the promotion and said that they forwarded the issue to another team member and I would hear back within XXXX to 10 days. 

After not hearing anything else I contacted customer service via chat on XX/XX/2023. They said that they forwarded the issue to another team member and then informed me that I was ineligible to receive the welcome offer and that I should have been informed of this during the application process. However, I was not. I was given a case ID if XXXX and told to expect a response within XXXX weeks. To date I have not received a formal written response to the status of that case. 

I called Amex customer service multiple times since then and each time have not been provided proof that I was ineligible to receive the welcome offer and that I was informed of this during the application process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Our mortgageincreased to {$1600.00} at the beginning of the year. I made XXXX escrow payments. One on XX/XX/XXXX for {$610.00} and one on XX/XX/XXXX for {$770.00}. Rushmore has not reduced the amount due for our mortgagepayment. Our reduced mortgagepayment should be {$1500.00}. We reached out to customer service on XX/XX/XXXX. We were told to fax over proof that we paid the escrow. We faxed over proof on XX/XX/XXXX We have yet to receive a response. Rushmore does not have a customer service representative to speak to over the phone. Everything is automatic. We reached out a second time on XX/XX/XXXX and got the same response to our original message.

Company response to consumer: Closed with explanation