vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
XXXX SUNRISE CREDIT SOURCEXXXX XXXX XXXX XXXX ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are some negative Late Payments on my Credit Report for the below company : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Acct # 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 2023-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
Fulton collected {$1700.00} as initial escrow funds for my account. 
Fulton charges me {$440.00} every month to fund my escrow The statement says escrow ( taxes, insurance ). Every email I have from them says insurance + taxes = escrow. 
Their excel sheet used to agree on the amount shows hazard insurance and taxes. 

Fulton refused to pay my home insurance claiming it is not their responsibility.

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 monetary relief
Consumer complaint received 2023-04-12 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX has violated my rights.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-04-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX  : # XXXX SXXXX 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 has violated my rights.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been inquiring with LVNV Funding about a debt that I have no knowledge of. They sent me some payment details that Im still not aware of. I was desperate to fix my credit so I called the company on XX/XX/2023 stating that although I have no recollection of this account I would just settle it to get rid of it. They advised me of a 20 % discount and I advised them that there was absolutely no way I would pay that for something Im unaware of. I decided to complete the necessary steps to have thos debt taken care of no matter the time it takes. Below is my validation request from LVNV funding. 

To Whom It May Concern : This is in response to the letter I received from your company in XX/XX/2023. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 

The agreement bearing my signature stating that I have agreed to assume the debt. 

A complete and correct social security number that may help identify me as the party you are collecting from. 

A copy of the government issued Identification presented to incur this debt. 

Valid copies of the debt agreement stating the amount of the debt and interest charges. 

Proof that the Statute of Limitations has not expired. 

Complete payment history on this account along with an accounting of all additional charges being assessed. 

Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 

A purchase agreement or assignment from the original creditor to your company. 

Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. 

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, 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 2023-04-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon requesting validation of the account XXXX XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) i was informed that everything was 100 % accurate. However, if its the same account why is there so many differences from all credit bureaus. If your investigation is accurate there is false reporting on my consumer report by having diferent dates and numbers. I have highlighted all differences. Therefore, I demand this accounts to be deleted as you have failed to update them through various disputes. According to 15USC 1681 I ( 5 ) everything has to be 100 % accurate on my report. Its obviously not.

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 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
Axos Bank is offering a {$300.00} bonus when I opened a new Rewards Checking using promo code XXXX. I direct deposited XXXX but still not received the advertised bonus XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In XXXX, Wells Fargo froze my checking accounts for no valid reason without notice. I could not fix the problem over the phone as they refused to help. 

As a XXXX person with low visibilty, I was forced to get a ride and go into a Wells Fargo location to deal with the issue. I was at that location for 6 hours to get the account unfrozen. I live in pain and this was more than difficult for me. 

Well Fargo never told my why the account was frozen for no reason. 

Only six months after finally unfreezing my account, Wells Fargo closed my account without any notice in XX/XX/XXXX. I once again had to get a ride to go to the local branch in person to get my money out and they made it very difficult and it took another 7 hours. I was forced to spend a week as a XXXX person to open a new account elsewhere for my direct deposits for XXXX. 

Again they did not tell me why they closed the account. 

I am aware the XXXX has levied XXXX XXXX for many fraud activities by Wells Fargo for freezing and closing accounts for no reason. 

I called Wells Fargo today and they refuse to file this claim.

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid off a XXXX balance on my Bank of America credit card ... due to a technical glitch it looked like the payment did not go through, so i paid it again... essentially, i overpaid the card by XXXX. The card balance now shows XXXX. I have tried to have this amount placed back into my checking account, but they won't call me back when they say they will. I have been trying to resolve this for XXXX weeks now. 

Please help!

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 monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My Comenity-XXXXXXXX XXXX XXXX credit card was charged from XX/XX/XXXX to XX/XX/XXXX for purchase of " XXXX XXXX XXXX XXXXXXXX XXXX. The first transaction was on XX/XX/XXXX in the amount of {$1.00} than 11 transactions on XX/XX/XXXX with each {$49.00}, five transactions of each {$49.00} on XX/XX/XXXX. One more {$1.00} transaction on XX/XX/XXXX, 6 transactions of each {$49.00} on XX/XX/XXXX, 6 more on XX/XX/XXXX each {$49.00} and 6 more on XX/XX/XXXX each {$49.00}. 

The total purchase was made in the amount of {$1700.00} without our knowledge. 
I've not used my this visa card after XX/XX/XXXX. This is not my primary credit card. 
I've filed complain to the Comenity credit card company and they've filed dispute in XX/XX/XXXX. 
Now, it is more than 90 days but not heard from the Comenity dispute department. 
However, I am receiving statement including interest every month which is damaging my credit report. 
Last week, I've wrote them letter to check status of my complaint. 
I will be greatly appreciate for any assistance. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I transferred {$50000.00} to Ally Bank to take advantage of a account Bonus promotion. The promotion was deposit NEW money into your Ally account and receive a 1 % Bonus up to {$500.00}. My bank transferred the {$50000.00} on XX/XX/XXXX and Ally received it on XX/XX/XXXX. I know this because I called Ally on XX/XX/XXXX to verify they had received the money on XXXX since it was the last day of the promotion. The Ally employee told me they had the {$50000.00} and it was pending. I asked if the fact that it said pending meant they actually had the money and that it did qualify for the promotion and the 1 % Bonus. The Ally employee assured me that it qualified for the Bonus. The money had to remain untouched until XX/XX/XXXX when it qualified for the Bonus, which would then be deposited into my Ally account on XX/XX/XXXX. I noted this in my calendar and called on XX/XX/XXXX to verify the deposit of {$500.00}. I was told that I would not receive the Bonus because the money was not deposited until XX/XX/XXXX. Ally said they had an internal note placed in my account in XX/XX/XXXX advising I was not eligible for the Bonus, but that info was not sent to me. I spoke with a supervisor on XX/XX/XXXX and filed a case regarding this matter. I was told a few days I would get a response. I have called a total of XXXX  times and have been told 3-7 days, 7 business days, 14 business days, give it another week and now have been told that there are SO many complaints regarding NOT receiving the Bonus that the department can't get to answering all the outstanding cases. Online there are groups of people writing about the problems they are having with Ally Bank regarding NOT RECEIVING their 1 % bonus. This situation is unacceptable and during these 2 months of waiting for a resolution to my case and the payment of my {$500.00} they are also holding my LARGE sum of money. PLEASE intervene and help. 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 monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: TX

Complaint narrative:
I have been approved to the section 8 homeowners program. The problem Im having is due to my XXXX, I get social security payments with a representative. I have been on section 8 for over 10 years and have always paid my bills on time. My income is used toward the amount of my rent payments. Now that Im in the process of purchasing a home, that is no longer my income. I dont understand why one agency uses disability payments as income and another says its not. I feel that is being used against me because of my XXXX, which is the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I am writing in regard to my line ( s ) of credit with Santander Bank. The first issue is why I received the approval in the first place. I was only earning {$100000.00} and had zero assets and the bank approved me for two lines of credit totaling {$50000.00} in my 20s. I now believe this to be predatory lending. 

In addition, I have had many issues making payments. I went into the bank with my parents and we paid {$15000.00} toward the loan with the {$15000.00} balance. The bank then immediately closed this account- later claiming I requested the closure - damaging my credit. This was not a request I made at any point to close the account. 

Then a few weeks later they closed the second line of credit with {$25000.00} owed and charged it off. This account now sits in their internal collections office- where they collect the payments + interest and penalties. 

Please note I also have a credit card and a third line of credit with them. Santander then proceeded to shut off my access to online banking making it impossible to see the balances of any of the accounts online or to set up auto-pay. 

I have made payment arrangements- for the first few years, they had one group that collected a lump payment from me that Santander Bank applied across multiple accounts. Then without any indication that had changed, they split this up into different payment groups. I continued making my payments assuming they were being slipt up. There were not so Santander Bank on top of all of this caused me to have 12 late payment marks on my credit in spite of the money I was paying them.

This bank has single-handedly destroyed my credit and my life. They should be held accountable.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I never did business with these companies. These are medical accounts I've never had, they are not mine. I do not owe these amounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Federal Credit Control, Inc.
State: GA

Complaint narrative:
I never did business with these companies. These are medical accounts I've never had, they are not mine. I do not owe these amounts!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
I've disputed this collection numerous times. I have no knowledge of this account. It keeps updating as if it's a new account. It shows this account was opened XX/XX/XXXX. I did not apply for anything with a debt collection company on that date. I have not received any correspondence about this debt to verify it. I've disputed it XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX with 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