vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
I am writing to address a concerning incident that occurred recently regarding my account with Northwest Bank. I have been a loyal customer of Northwest for over 10 years and have maintained multiple accounts with your institution, as well as with other banks in the area. 

Approximately two years ago, I had both a checking and savings account with an individual who was my boyfriend at the time. When our relationship ended, he went to Northwest Bank and closed the accounts. I subsequently contacted Northwest to confirm the closure of these accounts and was assured that the only accounts remaining were those solely in my name. 

However, on XX/XX/year>, I discovered that {$470.00} had been transferred out of my savings account on XX/XX/year> without my authorization. Upon calling Northwest to inquire about this transaction, I was informed that another person was listed on the account and had transferred the funds into a separate account belonging solely to him. This revelation left me deeply confused and concerned, as I had been under the impression that I was the sole account holder after my ex-boyfriend closed the accounts. 

Furthermore, I am troubled by the fact that this individual was able to access and monitor my account without my knowledge for at least two years. This raises serious questions about the security and integrity of Northwest Bank 's account management procedures. 

To compound matters, I found the response from Northwest Bank representatives to be highly unsatisfactory. Not only were they unable to provide clear answers to my questions, but there was also a lack of consistency in their handling of the situation. At one point, I was told that the account would be closed, only to have this decision reversed the following day. 

The loss of {$470.00} is regrettable, but what concerns me more is the breach of trust and the apparent inadequacy of Northwest Bank 's security measures. As a long-standing customer, I expect and deserve better treatment from my financial institution. 

In light of these issues, I am requesting a thorough investigation into the mishandling of my account and the breach of security protocols. Additionally, I would appreciate prompt action to rectify the situation and ensure that similar incidents do not occur in the future.

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Acquired 2 mortgages in XX/XX/XXXX with Aurora Loan Services , LLC and then they were bought by Nationstar Mortgage , LLC and later d/b/a Mr Cooper, The 1st mortgage was sold further to XXXXXXXX XXXX and later to XXXXXXXX XXXX XXXX XXXXXXXX None of them has my payment history from XXXX - XXXX, which they should have gotten with both loan details and necessary Information. Now, I asked for the payoff from the 1st mortgage and they sent me the payoff with an extra XXXX, exact explanation was " Non-Interest Bearing Principal Balance '' and some kind of Interest accumulated fee as well. 
I called Mr Cooper to get an explanation on these extra amounts added to my payoff and didn't get the information requested. It seems that the mortgage companies adding their fees pulled out from nobody knows where. I don't agree to all these, that's why we need to stop these nonsenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-24 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: Global Lending Services LLC
State: MN

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: Consumer Portfolio Services, Inc.
State: MN

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I purchased a used car through XXXX on XX/XX/2022. The original balance was XXXX at 20 % APR for 69 months and my current balance is XXXX. My issue is that Bridgecrest does not issue an itemized statement every month like other credit companies do. All I can see is the remaining principal balance due, the monthly payment and the payments I've made in the past. There is no published, visible math displaying the finance charges applied. I've called in to request this to no avail. I find this lack of disclosure confusing and am wondering if it's legal. I've attached what I can see on their website. There are no statements issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
In XXXX, I received a postcard from Navient regarding consolidating my Federal Student loans. I had just had my baby and was not working at the time. My husband was my sole source of income. At the time I had Federal Subsidized and Unsubsidized loans. Navient was my servicer. The postcard made it seem that I was just consolidating my federal loans. I had no idea I was turning them into private loans. I thought I was helping my family. I was struggling with XXXX XXXX and was not in a state to make such decisions. The amount consolidated was XXXX. Although, I am current in my payments, however this has left me in a situation were I am completely dependent upon my husband. There misleading advertisements has left me in a terrible position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SG and Associates
State: VT

Complaint narrative:
This company has been calling me every day for over a week. They call multiple times every day. They are now calling my friends and family members. 
I have asked them to stop calling me, yet they are still calling me daily. 
They should not be calling my family and friends. 
This is from the XXXX or XXXX purchase of a pet. I paid the purchase price, and then the original company tried to create a " lease '' for the dog. 
I have had this previously removed from 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the collection account listed on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt as per 15 USC 1692g ( a ) ( 1 ) and 15 USC 1692g ( a ) ( 2 ).

Please provide the following information regarding this account : Account # XXXX Date Opened XX/XX/year> Balance Owed {$5900.00} 1. The name of the original creditor associated with this account.

2. The amount of the alleged debt and a breakdown of how this amount was calculated.

I am specifically requesting validation of the amount of the alleged debt, in accordance with 15 USC 1692g ( a ) ( 1 ). Additionally, I demand that you provide me with the name of the creditor associated with this account, as required by 15 USC 1692g ( a ) ( 2 ). 

The information currently reported on my credit file lacks sufficient detail to verify the accuracy and legitimacy of this debt. Therefore, it is imperative that you provide the requested documentation to validate the debt. 

Please note that failure to validate this debt within the timeframe prescribed by law will result in further action being taken to protect my rights under the FDCPA, including but not limited to disputing the accuracy of this item with the credit reporting agencies and seeking legal counsel. 

I expect a prompt response to this dispute within 30 days from the date of this letter. Your cooperation in resolving this matter 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I used my card overseas, and purchased was denied first place and left the shop and then i see charges appeared into my statement, so requested fraud charges to the chase and they took care of it temporarily, and then rebill again for the same amount with out any valid proof and called them to send me proof i never signed and never received merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone used my identity to open two credit cards one with capital one and another with XXXX XXXX the capital one card was opened XX/XX/2023 credit limit XXXX $ and bill XXXX $ at this time.And the XXXX XXXX opened on XX/XX/2023 credit limit XXXX $ balance XXXX $ .I placed fraud alerts on both accounts and I also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: NY

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. they are hurting my report as these are under the negative items which have late payment remarks. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXXXXXX 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Skopos Financial, LLC
State: IL

Complaint narrative:
someone stole my identity to open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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 have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX  XXXX  Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: CT

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THTA THERE ARE FRAUDULENT ACCOUNT ON MY REPORT, PLEASE REMOVE THOSE FRAUDULENT ACCOUNTS FROM MY REPORT, BECAUSE THEY ARE HARMING MY ABILITIES TO OBTAIN CREDIT.

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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2024, I deposited a check for {$2600.00} from my XXXX XXXX  account and deposited it to my Wells Fargo bank. They claimed there were insufficient funds but the check never bounced. I called XXXX XXXX which I drew the check from and they said the check was cashed by Wells Fargo and there were enough funds to cover the check. Wells Fargo refuses to release my funds claiming they need to call XXXX XXXX  and XXXX XXXX  won't answer. They are claiming I have to wait until XX/XX/XXXX to get my funds. My next action is to contact a lawyer.

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