vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), and XXXX 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 an account without 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 2022-10-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried in many occasions and in different forms to contact the credit bureaus XXXX, Equifax and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank XXXX XXXX Account XXXX Bank XXXX XXXX Account XXXX XXXX Bank Account XXXX XXXX Bank Account XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
COLLECTION ( HALSTED FINANCIAL ) IS CLAIMING PAYMENT ON PURCHASED ITEM THAT WAS PAID FOR OVER ONE YEAR AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
Notified by XXXX  XXXX XXXX ( XXXX  ) by email ( customer XXXX  ) on XX/XX/XXXX that my email was updated on XX/XX/XXXX in mobile and online banking. I do not have any accounts at XXXX, so i intially disregarded the email. On XX/XX/XXXX received a text message from XXXX  ( number XXXX ) congratulating me on the approval of my credit request and to expect a welcome package and cards in 14 days. Contacted XXXX  customer service on XX/XX/XXXX to inquire about activity and found out a credit card had been opened using my information. I let them know that I did not make the request and they closed the account. I forwarded the email to the XXXX  fraud address ( XXXX ) on XX/XX/XXXX. Obtained copies of my three credit reports on XX/XX/XXXX, noting a hard inquiry from on the Experian report from XXXX dated XX/XX/XXXX. Set credit alerts on all credit reports for one year. Contacted XXXX  again on XX/XX/XXXX to verify that the account was closed and a fraud investigation was opened. Contacted Experian by telephone the same week requesting the XXXX  hard inquiry dated XX/XX/XXXX be removed because it was fraudulent. Experian requires that I complete a FTC report before they will accept the dispute. The FTC website directed me to the CFPB website to complete the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received an email today XX/XX/2022 about my business account having a payment waiting, but a few minutes later I got another email stating that they needed verification for my identity. I logged in and gave them a copy of my license and my social I believe. I then am notified that my account has been permanently closed and that they will be holding any money in the account for 180 days. I tried to call them and the representative I spoke basically told me the same thing, and had no information regarding why this even happened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 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: DISCOVER BANK
State: FL

Complaint narrative:
I have tried in many occasions and in different forms to contact the credit bureaus XXXX, XXXX and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank XXXX XXXX Account XXXX Bank XXXX XXXX Account XXXX Discover Bank Account XXXX XXXX Bank Account XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have tried in many occasions and in different forms to contact the credit bureaus XXXX, XXXX and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank of America Account XXXX Bank of America Account XXXX XXXX Bank Account XXXX XXXX Bank Account XXXX XXXX Account 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 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
he mortgage originated with XXXX, acquired by Wells Fargo at some point. The account was in two names - mine and my then spouse 's name. We separated in XXXX at which time he moved out and I made all of the payments. I was awarded the home in the divorce in XX/XX/XXXX and my ex-spouse signed a quit claim deed in XXXX when I refinanced with another institution. 
Several months prior to my closing I asked Wells Fargo to research a {$970.00} fee they had added to my account for what they indicated was " foreclosure expenses ''. They never reversed those charges, and they were included in my payoff quote and paid in XXXX. I received a letter on XX/XX/XXXX reimbursing me for those fees along with an added amount for " the time these funds were unavailable ''. This check was made payable to me " and '' my former spouse. 
Any checks for funds to the account ( class action lawsuits ) have always been issue to us both, and my former spouse refuses to endorse them for me. I had to use our divorce attorneys ( a XXXX process ) each time I needed a check endorsed. 
In this case, the final payoff was sent to them on my behalf by my new financial institution. This check included an amount I had disputed. There is a divorce decree and a quit claim deed showing he has no interest in the property. I have contacted Wells Fargo by phone and by fax to request they reissue this check in my name alone and the responses have been refusals at each attempt. I should not have to hire an attorney every time I need a check signed by him. They already have a copy of the quit claim deed, and my banks will not allow me to cash or deposit the check without the other signature. Wells Fargo correspondence stated they would replace " and '' with " or '' on the check but would need a NOTARIZED authorization signed by both parties to do this. ( I guess they think he will give me a signature on a piece of paper knowing he won't on a check ). 
The company is not working with me to find a solution to this, and I simply want MY money back, which I paid, for fees that were NOT supposed to be charged and were DISPUTED before they were paid for. I request they send any future checks in the same manner - payable to me alone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
My balance on my commenity credit card from Lane Bryant had a balance of around {$290.00} that needed to be paid. I went online and selected to pay the whole amount off in one time in XXXX of 2022. Somehow they did not take {$2.00} off of my account and didnt try to contact me until around XXXX. My account is now up to a {$84.00} balance that I supposedly owe. The first time I called I stayed on the phone for almost an hour and the man told me he had fixed the problem and that I would not have to pay any of the fees after he took the {$2.00} off of my account. After the money was taken off of my debit card the credit card was supposed to be canceled. There is still a balance of {$84.00} and still growing because they will not take the fees off. I have called them 4 times and every time I get told that they are going to fix the problem they hang up on me. Ive tried getting help from the company, but they are not interested and would rather hang up and keep charging me late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have recently realized XXXX different transactions fees charged to my credit card by chase without any explanation. I called customer service and I am told I used cash advance which I have never used. Then I was told that because I used XXXX they consider that as cash advance and charge a 5 % or {$10.00} whichever is more. They said they sent out the change in terms in 2021 by email which I have not received and neither by mail. I have asked them to consider to accommodate a long time client but they refuse to. I ask that if they can prove that this was ever sent out, they are not responding to that. Basically my daughter used XXXX different times to pay dues each charge {$1.00} and Chase is charging {$10.00} for each transaction as minimum charge so for a total of {$4.00} I am paying {$40.00} in fees. I believe outrageous by Chase and refusing to help. I have never received any such notification and I have used in XXXX and XXXX same transactions without being subject to a fee. Also since cash advance payments as Chase considers these to be is imposed a very high finance charge without any grace period which in order for me to get rid of the finance charges I will have to stop using the card and pay 100 % in full. I believe for Chace to take this action without properly informing the clients in a manner that is simple and precise is disgraceful and unacceptable. Credit card companies should have the responsibility to inform their customers on a timely with a clear language and for someone who has visual problems to be able to read of such important changes

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I have been contacted again for a account by consumer cellular that was discharged in bankruptcy, consumer cellular first reported the account to professional credit and now I have been contacted by IC Systems Inc, The state attorney Generals office Oregon was contacted and the company was supposed to stop trying to collect this debt because of the bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: REGIONS FINANCIAL CORPORATION
State: OK

Complaint narrative:
It is a CONDATA PAYMENT SOLUTIONS card provided by XXXX XXXX XXXX. 
The paperwork it came with, stating " LIST OF ALLFEES '' is incorrect. 
It states : " Bank teller withdrawal ( for banks participating in the XXXX XXXX ) fee = {$0.00} '' I tried, it was denied by COMDATA. I called COMDATA and was told my card was not eligible for that feature. But it is on the document provided in a sealed envelope stating as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have original loan amounts thru 2002 upto XXXX but principal on my loans are listed above XXXX which were above the maximum and never issued to me. I contacted loan servicers but no one has corrected the erroneous amounts. Please review & correct original principal loans amounts/balances. Please send to my Navient account email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Hello as you can see by my previous reports, I am a victim of identity fraud. I have recently found out that there were new inquires on my report that pertain to Fraud, and other inquiries that are duplicates and inquiries I was told will not be a Hard inquiry but are and I have tried to resolve this issue with all 3 agencies and the creditors, and I am told by the creditors they don't have my information to remove so they can not help me and then i am told by the credit agency only the creditor can remove an inquiry which is not possible if they don't have me and were not authorized or duplicated. So, I would like these Credit agencies to take this more seriously when it comes to true fraud victims and disputes and not be giving the run around like I have been given. Seems like this is always an issue. Being I have Alerts, Fraud Protection, freezes, Locks, I pay for memberships on top of the memberships, and my reports come unlocked or unfrozen due to a quote-on-quote glitch in the system, I would expect it to be taken care of and listen to their customers if they actually read notes and reports. I have inquiries that do ot belong on my report I would like removed, whether fraud or duplicates i already spoke to the creditors and they can not help being they advised I was only ran 1x and the other couple were fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Hello as you can see by my previous reports, I am a victim of identity fraud. I have recently found out that there were new inquires on my report that pertain to Fraud, and other inquiries that are duplicates and inquiries I was told will not be a Hard inquiry but are and I have tried to resolve this issue with all 3 agencies and the creditors, and I am told by the creditors they don't have my information to remove so they can not help me and then i am told by the credit agency only the creditor can remove an inquiry which is not possible if they don't have me and were not authorized or duplicated. So, I would like these Credit agencies to take this more seriously when it comes to true fraud victims and disputes and not be giving the run around like I have been given. Seems like this is always an issue. Being I have Alerts, Fraud Protection, freezes, Locks, I pay for memberships on top of the memberships, and my reports come unlocked or unfrozen due to a quote-on-quote glitch in the system, I would expect it to be taken care of and listen to their customers if they actually read notes and reports. I have inquiries that do ot belong on my report I would like removed, whether fraud or duplicates i already spoke to the creditors and they can not help being they advised I was only ran 1x and the other couple were fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I signed insurance funds to Flagstar mortgage in the amount of XXXX the HAF program also gave XXXX on my behalf to pay mortgage off according to payoff statement provided by Flagstar. Flagstar has on processed the half payment and not my Insurance payment advising they now want an additional XXXX and now still have me behind 2 payments. They sit interest as well as attorney fees ( the latter should have definitely been included in the payoff and the interest is ridiculous as the payoff amount has only changed a few XXXX dollars since XXXX but somehow I am XXXX short. They advised me they are awaiting attorney fees which they should already have. How can they offer me a payoff and then process the funds in a way that does not allow me to pay it off. They keep charging me interest even though they are responsible for the extended time it has taken by not supplying me with the payoff statement in a timely manner and then once check was sent to HAF they could not find and none of this is being taken into consideration. If you look at the payoff letters they have sent me more than once the funds they have are more than enough to payoff my house. There should be no more attorney fees. The foreclosure case was closed and I have been dealing with Flagstar directly for over a month now. I would like my home to be paid off and in a timely matter. I also requested a copy of the letter from the state telling Flagstar how to apply the funds. I have requested this three times in writing and I have yet to receive. If anything due to the many errors Flagstar has made ny account should be paid off immediately. They refused to apply the intestacy laws published by the cfpb to allow me to assume my mortgage and now refuse to pay off ny loan even though they provided the documentation to HAF and my myself informing us that this was enough to cover the complete mortgage.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation