vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX XXXX, at approximately XXXX, I received an odd text message from Wells Fargo . It was so odd, that I wasn't sure it was really from Wells Fargo, so rather than answer it, I called them. Someone used my debit card number to transfer {$1900.00} out of my account using XXXX. Interestingly, the first XXXX times the transaction was presented, Wells Fargo denied it. They paid it on the XXXX attempt. The money left my account on XX/XX/XXXX. I started the complaint with the phone call on the XXXX, and followed up with another call on the XXXX. ( It took me XXXX minutes to get to a human. ) I was told to wait XXXX business days. After a few days, I got a letter dated XX/XX/XXXX saying that they had determined no money had left my account and the claim was closed. I assure you, the money left my account, and I can show you, if needed. I started another claim on Monday the XXXX ( as it took the letter a couple of days to reach me ). I spoke with a gentleman who told me he could see that the money had indeed left my account and so he filed the new claim. The XXXX days have passed, but I did reach out to Wells Fargo several times during the XXXX days, as I really need my money. Every time I reached out, I was told : " We are working on it. '' Someone will call you. '' " Someone will get back to you. '' None of that has happened. 
Here I am on XXXX XXXX of being out {$1900.00}, which is no small amount to a teacher who is not paid well in the first place. Please help me.

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 2024-02-11 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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15. U.S.C 1681 section 602 A. States I have the right to privacy.

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

Also the Credit bureaus did not take 30 days to complete my investigation. 

I submitted a complaint with the XXXX.I submitted a complaint with the attorney general 's office and these collection agencies are violating my rights.

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 2024-02-11 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: CA

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 2024-02-11 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: IL

Complaint narrative:
I have reached out the companies asking for removal of these inaccurate accounts, I spoke with XXXX and they told me all inquires was removed but I still see these accounts reporting, I also reached out to EXperian and all companies and the items are still 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 non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Flagstar Bank took over servicing of my home mortgage from XXXX XXXXXXXX XXXX XXXX XXXX ) with my first payment to Flagstar Bank made XX/XX/XXXX. My loan number with Flagstar Bank is XXXX. When i reviewed one of my first XXXX Bank loan statements, I noticed that an old fee from a forbearance that I had with XXXX of {$15.00} that I had paid on/around XX/XX/XXXX was still on the balance when transferred to Flagstar Bank XXXX 

I called Flagstar Bank and let their agent know that I had already paid the {$15.00} fee to XXXX in/around XX/XX/XXXX and requested that they remove the fee and was told NO by the agent. I requested the agent have Flagstar Bank research back to XXXX that I had paid the {$15.00} on/around XX/XX/XXXX because I had the carbon copy of the check I wrote showing that the fee was paid and was told NO. The agent told me that it was my burden to prove that XXXX and XXXX 's transference of the balance was incorrect. The agent inferred that XXXX is not obligated to ensure accurate balance when loans are transferred to them for servicing. 

I'm trying to resolve this through CFPB. I'm also going to file a complaint with XXXX XXXX. If neither of those efforts resolve this issue. I will get a lawyer and seek any and all legal options for remedy. I've brought in a lawyer twice on two other XXXX issues when they serviced my loans and XXXX acknowledged they were wrong both times and corrected the issue. It took lawyers to resolve. I will do that again for this if need be but I hope that's not necessary. I paid this {$15.00} fee to XXXX on a check form my XXXX XXXX checking account on check number # XXXX in the amount of {$2100.00} and wrote in the memo that it was for Principal {$720.00}, Interest {$1400.00} and Overdue Fee of {$15.00}.

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 2024-02-11 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: TX

Complaint narrative:
I am writing you this notice as a follow up for my previous notice sent XXXX days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 
The following addresses listed below which appear on my credit file does not relate to any addresses I have lived at.

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 2024-02-11 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates : XXXX XXXX XXXX XXXX XXXX. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-02-11 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates : XXXX XXXX XXXX XXXX XXXX. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: CA

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 2024-02-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
The consumer did not provide the proper information about the covid help out plan, they only called and ask when will we send in a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal information was left in my wallet, which I unfortunately was pick pocket at a shopping mall. I am a victim of Identity Theft & XXXX XXXX XXXX. Despite my immediate and repeated attempts to retrieve it by contacting the mall on the same day and subsequently, my wallet was never recovered from the thieves. Upon realizing this, I decided to pull my credit report because I'm in need for a car very badly, and to my dismay, I discovered unauthorized collections accounts and hard inquiries that do not belong to me. 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 My credit report shows a collection from your agency with a balance of {$1100.00}. I was never notified of this collection. Whats more, I do not believe this debt is accurate. I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, XXXX and when I requested, they provided me with the original contract over an month ago, they did not give me one. This has been an ongoing battle for me, spanning over XXXX long years. I urgently request the removal of these erroneous entries from my credit report immediately. I am currently in the process of securing a new car and a home for both myself and my XXXX daughters who I have full custody of, as we face the threat of homelessness. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Additionally, I would like to emphasize the importance of upholding the credit repair law as outlined in 15 U.S. Code 1681 and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. Your cooperation in rectifying these discrepancies is greatly appreciated.

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 2024-02-11 00:00:00
Product: Credit 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
So back originally I made an attempt to purchase a printer and computer for my business with XXXX. XXXX said they could not send the product and still charged me the money and said it wouldnt be available until seven to ten business days. After two weeks of nothing happening I made a formal complaint with my credit card company with Becu bank. They said they would do an investigation and that it would take up to ninety days. They never contacted me again and deleted the file. I called a second time to find this out and asked them to reopen it. Now I have made several attempts to get them to tell them also that I did not authorize several other charges as well with you tube and apple mainly. This I have reported fraud several times each month that this continues to happen. I been making my payments on my credit card and do everything I can to resolve this issue on my own. I have lost over XXXX $ due to this banks negligence. Please help me recover my money and force sanctions on this bank for directly lying to me almost every time I talk to them and allowing other companies to steal from me repeatedly despite my numerous attempts to remedy internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I was buying a townhouse and I was looking for homeowners insurance and I got estimates from insurance agencies. I found the insurance company I wanted to use which was my auto insurance company. I let the other insurance companies know that I chose my insurance. This company is the only one who is trying to collect on a debt that I never had. My mortgage company pays the insurance the only company I've ever used for insurance. I closed on my townhouse in XXXX, this collection showed up on XXXX, showing I owed {$240.00} to a company I never had an account with. I called the collection agency and made them aware of this, but nothing was done. I've had it removed from 2 of the credit reporting agencies now it's showing up on XXXX. XXXX and XXXX have removed it. I want to know if there is a legal action I can take.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is still reporting a Deleted account that was deleted off my credit report. The Account name is : 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 explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland Credit Management has repeatedly contacted me despite the fact that I am represented by an attorney. I have provided my attorneys name, phone number, and address on multiple occasions. I have sent letters and my attorney has send a cease and desist letter to them on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
ON XX/XX/XXXX I SENT A DISPUTE LETTER TO THE TRANSUNION CREDIT REPORTING AGENCY. I ASKED THEM TO UPDATE MY CREDIT REPORT WITH THE CORRECT NAME, ADDRESS, TELEPHONE NUMBER. I DID ENCLOSE COPIES OF MY CURRENT NAME ADDRESS AND TELEPHONE NUMBER AND INCLUDED A COPY OF MY CURRENT DRIVER 'S LICENSE. THEY [ TU ] SENT ME A COPY OF MY CREDIT REPORT { WITHOUT } THE CURRENT AND UPDATED INFORMATION.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have sent two previous letters outlining certain errors and inaccuracies on my consumer reports. Ive also outlined many incomplete fields on my consumer reports which were set certified mail to the consumer reporting agencies. What dates and times did they contact you regarding my disputes? I am requesting a detailed respond to their methods to verify and rectify these inaccuracies and incomplete data being reported.

If you do not have the proper data to report/ furnish this information please delete this account since you have failed to do an investigation. You have also failed to do a re-investigation. Now I am requesting a detailed description of the investigation process by your company on the two separate disputes sent to the credit. 

Below I will also outline with red circles outlining my consumer reports to show further inaccuracies and missing data/ incomplete information on my consumer report. Please delete/ remove these accounts if these inaccuracies cant be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
According to my bank privacy Act and terms and conditions they will not share my information with non-affiliated companies, XXXX XXXX is Not an affiliate of Navy Federal Credit Union or parent company Navy Federal Svc Inc they are in violation of Privacy act of 1974.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 explanation