vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. Chapter XXXX Bankruptcy bal. {$0.00}, Chapter XXXX Bankruptcy bal. {$0.00}

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 2024-07-20 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 am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND I WOULD LIKE THEM TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLY PLEASE AND 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 2024-07-20 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: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND I WOULD LIKE THEM TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLY PLEASE AND THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation
State: MD

Complaint narrative:
I had just gotten my debit card not long ago from Card.com/XXXX XXXX  & it was the XXXX one sent to me, as the first never made it to my apartment. I never deposited money into the account, originally ; until recently I needed a debit card to receive a refund on. I tried calling the company within XXXX hours of the refund being processed by the store & was informed it would take XXXX business days to see my funds. Now at the same time I was waiting patiently, I tried logging into their app, only to find my card was no longer linked & it supposedly was showing my account balance as {$0.00} but upon calling the company today ( XX/XX/year> ), the recording stated I had the refund amount deposited in my account as of XX/XX/year>. I attempted to relink my card to my account profile, but was unsuccessful. I also attempted to add the card to my XXXX profile in hopes to just transfer myself the funds but the site says the card declines, each time & wont even save the card to my profile. Im not sure how this company is still in business when checking the XXXX XXXX XXXX site theres a slew of complaints where people have been unable to access their money or having to jump through unnecessary hopes to access it. Shame on me for not checking there prior to using the card & now it makes sense why I waited to use the card to begin with. I will attempt to call customer service again on Monday XX/XX/year> since the recording indicated theres no live agents available on the weekends ( Ive never heard of this from a legitimate bank/debit account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request the removal of an inaccurately reported charged-off account with Regional Acceptance Corporation XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as Regional Acceptance Corporation XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Confirmation of Account Removal Dear Equifax, I am writing to confirm the removal of the following account from my credit report due to errors and inaccuracies : - **Account Name : ** XXXX XXXX XXXXXXXX - **Account Number : ** XXXX - **Date of Removal : ** Between XX/XX/XXXX, and XX/XX/XXXX Details of the account are as follows : - **Original Creditor : ** XXXX XXXX XXXXXXXX XXXX XXXX XXXX*Account Type : ** Individual account - **Date Opened : ** XX/XX/XXXX - **Status : ** XXXX, XXXX days past due - **Balance : ** {$46000.00} ( as of XX/XX/XXXX ) - **Paid Off : ** {$0.00} - **Monthly Payment : ** Not specified - **Past Due Amount : ** Not specified - **Original Balance : ** {$45000.00} - **Terms : ** Not specified - **Responsibility : ** Individual account I appreciate your assistance in this matter and request a confirmation of the account removal. Please send me an updated copy of my credit report reflecting this change. 

If you require any further information or documentation, please contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Somehow I cant get rid of this debt. I paid t-mobile directly, Im pretty sure I paid some other collection agency too. And now I keep receiving phone calls and letters from different collection agencies about this same debt. What even worst now this is in my credit and affecting it. Why? That needs to be removed asap! Why was that account just added!? That account should have never been sent to collection to begin with! This feels like t mobile its just getting back to me because I switch to a different carrier. They just sent me a bunch of fees and bills at the end, and I paid them all! And now this! Unbelievable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim oXXXX XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCKED AND DELETED COMPANY INFORMATION TRANSUNION LLC, XXXX, AND XXXX. SOCIAL SECURITY NUMBER XXXX, D.O.B. XX/XX/year>, NAME : XXXX XXXX XXXX. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-07-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband is XXXX XXXX XXXX, and he was taken in by a " you won a big PRIZE! '' scam. The scammers told him to pay " fees & taxes '' and then demanded more and more, becoming very threatening if he did not comply. 

When I found out what was going on, I tried to stop it, but it was too late. He had already used credit cards to buy XXXX  of dollars of gift cards to " pay '' the scammer demands. 

All of this has been reported to the authorities. I obtained a power of attorney to act on his behalf, since he was not able to handle the situation. Using the POA, I contacted the credit card companies and asked them to delete the transactions he had made while being threatened and terrorized. 

They refused to honor my POA and they refused to delete the transactions.

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 2024-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have already filed a complaint with Mr. Cooper regarding our escrow account and asking it to be removed, which I believe is causing more problems for me. I received a letter in the mail saying our loan is under default because of our supplemental property tax payment. We paid our supplemental property tax installments together. We received a letter from Mr. Cooper saying we need to pay XXXX to XXXX XXXX or they will add the supplemental taxes to our escrow account. I called the county regarding this issue of XXXX cents, first they said they did not see any payment needed, then she said our loan company already knows we do not need to pay and that the county does not even send a bill if it is below {$9.00}, because there technically is no payment needed. The lady said multiple times that our loan company knows this information and should not be threatening anything. Again, I am asking for our escrow account to be removed, I do not appreciate the retaliation. They are saying we can not remove escrow because of lender placed insurance, which was not needed because I called multiple times saying I was getting it and was told I needed to submit it before the payment was issued on XX/XX/XXXX. I sent it before that. This experience with escrow has been ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Ray Skillman Westside Imports Inc
State: TX

Complaint narrative:
I am writing to formally request the removal of an inaccurately reported charged-off account with Ray Skillman from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as Ray Skillman , must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Confirmation of Account Removal Dear XXXX, I am writing to confirm the removal of the following account from my credit report due to errors and inaccuracies : - **Account Name : ** XXXX XXXX  XXXX - **Account Number : ** XXXX - **Date of Removal : ** Between XX/XX/XXXX, and XX/XX/XXXX Details of the account are as follows : - **Original Creditor : ** XXXX XXXX XXXX Attorney XXXX **Account Type : ** Individual account - **Date Opened : ** XX/XX/XXXX - **Status : ** Open, 120 days past due - **Balance : ** {$46000.00} ( as of XX/XX/XXXX ) - **Paid Off : ** {$0.00} - **Monthly Payment : ** Not specified - **Past Due Amount : ** Not specified - **Original Balance : ** {$45000.00} - **Terms : ** Not specified - **Responsibility : ** Individual account I appreciate your assistance in this matter and request a confirmation of the account removal. Please send me an updated copy of my credit report reflecting this change. 

If you require any further information or documentation, please contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a personal checking account with Wells Fargo. Been a customer since XXXX. Lately, I've lost my job and thus, my income. In addition, I have encountered a myriad of medical issues, which has hampered my ability to get a job, and at my age ( XXXX ), despite filing for dozens of jobs, have not been able to secure any, other than a sales position which I am trying to get approved for. That's the background. Unfortunately, my account is in the negative, not a whole lot, just a few XXXX dollars. But lately, I've noticed that Wells Fargo has been approving charges and autopays, despite being in the negative, and then accessing overdraft fees of {$35.00} each, even on amounts as low as {$4.00}. That seems illegal. I would think that if an account is already overdrawn, that any future payment/debit/autopay, etc. would be declined. But they instead accept it... I'm still over drawn, and thus they hit me with a {$35.00} overdraft fee ... .for every single transaction! How I'm I to catch up? I think this is wrong and extremely bad business practice, if not illegal. And Wells Fargo isn't any stranger to scandals either. So I contacted them to explain my situation and they said they couldn't do anything about it. I said, why not just decline it and I'll deal with the entity itself, but they said they couldn't do anything about it. So I contacted some of these entities and some of these entities require autopay, like XXXX, and I don't have other cards to put their payments under ( another story or complaint to tell ). But in the end, I would think that if you are in the negative, Wells Fargo would decline, but no, they approve and immediately hit me with a {$35.00} overdraft fee. Something seems wrong about all this and they won't work with me. I want to add that I have in the past asked them to remove such fees, and they did ( after negotiation because they would initially only offer half the fees back ) but my point is that they accept charges when the account is already overdrawn, rather than just decline. It's like a way to get more money from people who can least afford it. In fact, I think it's criminal. I have supporting documenatation and the amount of fees accessed in this situation ( where they accept debits/charges/autopays ) when the account is already in the negative, and rather decline such transactions has resulted in my account being hit with {$240.00} overdraft fees. I want this refunded and I want justice in what I feel is a wrong on Wells Frago 's part. This is my issue.

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 2024-07-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year>, I received notice of my USAA CD maturing on XX/XX/year>. I called USAA Customer Service and explained that I wanted to close the CD and transfer the money to another institution. I was told that because the maturity date was on the weekend that I needed to call back on Tuesday XX/XX/year>. So I called back on XX/XX/year> and spoke with XXXX ( XXXX? ). She told me there was an IT issue and that she needed to submit a ticket to the XXXX Department. She advised me that I needed to call back in a week to give them time to correct the issue. I called back on XX/XX/year> and spoke to XXXX. He said that a ticket had not been submitted and there was still the same IT issue. I aksed what the issue was and he said it had to do with the IT Department and he would ensure that a ticket was submitted to them. This sounded strange to me, but he was not telling me anything new and just repeating the same thing so I said ok and ended the call. I decided to call again on XX/XX/year> and I spoke with XXXX. She said there was no IT issue and that the CD had been automatically rolled over as the maturity date was XX/XX/year>. I explained to her all the calls I had made previously and she said there was nothing she could do about it as it was too late. It had already been rolled over. She said that XXXX should have told me that the CD was already rolled over. I was adamant that I wanted to close the CD and transfer the money to another financial institution. So she did close the CD and electronically transferred the money to my other financial institution. They proceeded to charge me an early withdrawal penalty of {$550.00}. I am an elderly woman of XXXX XXXX XXXX living on a fixed income and I feel they took advantage of my age and vulnerability. I was only following their instructions the whole time. Please assist me with this as I feel I was wrongly charged this huge penalty fee.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief