vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family.

I attach my previous credit report and my new credit report to show how Experian violated my rights.

According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have called Wells Fargo many times, the most recent executive complaint was submitted XX/XX/2023. Wells Fargo responded that I would need to call my banking institution to see why my account is unable to be verified. A week prior to this complain I placed a three way call with Wells Fargo and my bank XXXX XXXX and they verified the routing number and checking account number I used to make three prior payments were valid. Each time I setup my external bank payment method on their app then after they pulled funds they email me that my account is suspended and I would need to call them to resolve. When I call Wells Fargo to resolve nobody seems to know how to resolve or what they are doing. I then try to walk down to their branch on my lunch break and now all of a sudden then have reduced their hours and close down at noon each day. In my opinion Wells Fargo is just trying shake me down and charge me interest and I would love to pay them but can not get them to take my money. Please help me as I do not know any other way to get their attention. You would think a bank this size would have people that know what they are doing. their explanation of resolution is call backs within 48 hours or responses within 10 days. Please assist me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have tried to request a credit line increase three times now from Capital One. I am trying to get my credit line above {$1000.00}. I understand my rights, and I would like for Capital One to either prove that I am unable to repay the credit or approve the credit line increase. I currently have only had one late fee on my account within the few years that I have been with the company, and the late fee was well over a year ago now. I feel as if they are discriminating against me. So, I would like to exercise my right that is stated within the equal credit opportunities act and take legal action through certified mail with my tender of instructions if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It shows a hard inquiry on my Equifax credit report with XXXX XXXX XXXX XXXX since XX/XX/2022 and I have never owed an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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:
My Equifax account and credit report was affected by data breach I can not login to Equifax account to view report, I can not open new account because email is already associated with equifax account. I tried getting help from Equifax and they could not help me reset password or give me a explanation to why they could not get my account to work. I am a victim of a data breach please help my personal information was impacted by this incident. I have proof that shows I was affected from the date of breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tecco Systems
State: CA

Complaint narrative:
On Tuesday TECCO called my business phone kept calling and then they called my XXXX XXXX telling her my business then they called one of my coworker and they never had her phone number her name is XXXX they called her yesterday then they call me again yesterday about 2 to 4 times a day and I feel like they are harassing me and my family to pay this debt and Im going to pay them but I feel like they shouldnt be going on social media and getting this people number and calling them about my business. TECCO been calling me a lot and I feel that this is harassment and I want something done with them

Company response to consumer: Untimely response
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — FHA 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: LoanCare, LLC
State: MI

Complaint narrative:
I cant request information from Loancare because their phone system is still not available. They only have one option # 1 and either clicking one or hold then the system mentions about business hours, sorry for the inconvenience and then disconnects.

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 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I'm reaching out to report XXXX XXXX XXXX XXXX ( via XXXX XXXX ) violation of Regulation E ( CFR 12 Part 1005 Regulation E ) On Wednesday XX/XX/XXXX at approximately XXXX XXXX, I was notified of XXXX fraudulent ATM transactions made with my XXXX XXXX XXXX  XXXX card at a convenience store XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX XXXX  XXXX During this time, I was at my home approximately XXXX miles away in XXXX XXXX XXXX, with the ATM Debit card in my possession. The bank was able to BLOCK all but 2 ATM transactions totaling {$380.00} removed from my checking account. 

After verifying that all 8 transactions were fraudulent via an automated phone system ( XX/XX/2023 - XXXX XXXX  ), I placed a call to cardmember services ( XX/XX/2023 - XXXX XXXX  ), reported my debit card information as STOLEN, requested cancellation of the card and requested a dispute against the fraudulent charges. At this time I was given a dispute resolution case number, XXXX and informed that I would be notified when the resolution was processed and a decision was made. This call ended at XXXX XXXX on XX/XX/2023. 

On XX/XX/2023 at XXXX I was notified by XXXX XXXX XXXX Cardmember Dispute services that my dispute was denied and that no portion of the fraudulent ATM withdrawals would be refunded to my account. 

On XX/XX/XXXX at XXXX XXXX, I placed another call to XXXX XXXX XXXX Cardmember Dispute services and referenced my case number XXXX. During this call the representative re-iterated that the decision made by the dispute resolution team was to not refund the fraudulent charges on my checking account. I informed the representative of my rights under CFR 12 Part 1005 Regulation E and insisted that the stolen funds be returned to my account, to which the representative said that they would re-open my dispute resolution case but also informed me that it was unlikely that I would receive reimbursement for the fraudulent ATM transactions. This call ended at XXXX XXXX on XX/XX/2023. 

At this time I'm not sure how to proceed with this institution who believes federal banking regulations don't apply to them, so I'm submitting this complaint in hopes it can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
Pursuing my XXXX XXXX degree at XXXX XXXX, Fl my Post 9-11 bill from my service in the XXXX XXXX ran out. I then had to use Private loans for the remaining 2 years at XXXX. During that time the service lender misrepresented the interest rate I would receive to me and my cosigner ( my grandfather ) and this was not noticed until the repayment started a few months after I graduated. I tried to speak with them several times and over many many hours to explain that I could not pay the XXXX dollars a month when I had no income coming in from my job. When I did get a job, I tried to convince them to put me into a payment plan that I could afford as I was paying federal and private and Sallie Mae continuously told me that they could not lower my payment. I then ask them to put it in deferment while I got a lawyer. I paid for a lawyer here in XXXX, Fl to negotiate with Sallie Mae. She met with me and told me that we could negotiate a settlement with Sallie Mae for over 75 % off the total loan amount. She then sent Sallie Mae a document that she was my attorney and all communications would go through her. I contact my attorney for a few years now and she says that Sallie Mae has not sent her the correct document. I call Sallie Mae and they say that they can not communicate with me or her. I am completely lost at this point and it has effected my credit for years now and I am unemployed. Is there anything you can do to help? Kindly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
In XXXX, my loan was transferred from NewRez to Shellpoint. I was not aware that my loan had been transferred until I attempted to make a payment and obtain an insurance check that I had forwarded to New Rez from XXXX in XXXX. The insurance check was from an insurance claim resulting in New Rez sending XXXX XXXX XXXX to my home, as a part of their property preservation team, and they destroyed my home and stole items from my home in XX/XX/2023. Once the loan was transferred to XXXX XXXX, I continued to make my payments for the months of XXXX and XXXX but often was denied on the first tries and told that it was a legal issue pending and they could not discuss the legal issue with me, but later would agree to take the payments after speaking to one of their supervisors. When I called in to make my XXXX payment, I was told the same thing but this time, I was told that the loan was in the final modification stages and not to make a payment because it may affect the payment arrangements of the modification. I contacted the loss mitigation department but did not receive a return phone call. In XXXX, I looked online and saw there were two reported correspondences that I never received via email. The two correspondences had the terms of the modification that I never received. I was told that once the modification was finalized, Shellpoint would arrange for a notary. When I called on XX/XX/XXXX to inform them that I wanted to follow through with the modification but had not received the documents by postal services, no one returned my phone call. As a result, I called again on XX/XX/2023 and was questioned as to whether or not I was an attorney or did I have attorney, I informed them that I was not an attorney and that I had not obtained an attorney. The representative assigned to me, XXXX XXXX, informed me that he would have it all straighten out and would call me on XX/XX/2023 ( today ). Prior to this, I received a phone call from an attorney form NewRez on XX/XX/2023 regarding my insurance payments but have not spoken to her, at this time. My concern is that I am been in conflict with both companies since XXXX, when the incident occurred with XXXX, without any resolution, and concerned that I may be victimized again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a Notice of Insufficient funds. The statement has a right address of mine but the account information belongs to another customer " XXXX XXXX ''. I called the US bank to fix the issue but they simply asked to returned the statement. They were in no mood to investigate further if this is a systemic issue and more prevalent. 

I am worried my transaction information is accidentally being sent to other customer, just like i received the information of XXXX XXXX. 

I want Bank to make an investigation into the matter and inform me of the outcome.

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 2023-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I was attempting to pay my mortgage today ( XX/XX/2023 ) through the online portal that Lakeview Loan Servicing , LLC provides but despite multiple attempts to pay through their portal ( which they suggest ) their website continues to glitch and not allow me to make my payment of {$5100.00}. I went to the help tab on their website and attempted to call during their posted business hours. Their help line was not accepting calls despite being during their business hours and it hangs up after letting the automated message tell you they are unable to help. I followed up by filling out the online form requesting information. I confirmed my account has the funds necessary to make this payment, Lakeview Loan Servicing is just not providing their customers with a working website and not making it possible to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report, which I believe to be unauthorized. After reviewing my credit report, I noticed an inquiry listedunder your company 's name. I would like to bring to your attention that I did not authorize this inquiry, and I am requesting that it be promptly investigated and removed from my credit report. 

Below are the details related to the unauthorized hard inquiry : XXXX - XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
In XXXX, I initiated a bank transfer from Citibank to XXXX XXXX  XXXX Simultaneously, I applied for a debt consolidation loan to settle the balance I intended to transfer from Citibank to XXXX XXXX. Consequently, the balance with Citibank was brought to XXXX. Subsequently, XXXXXXXX XXXX issued a check to Citibank for the balance transfer, which Citibank duly cashed. 

However, this action resulted in an overpayment status and flagged my account as fraudulent, leading to the closure of my account. Despite numerous attempts to resolve this issue by contacting Citibank 's fraud department, customer service, and security operations department, I have been unable to secure a refund. The account 's heavily restricted status has hindered any progress in addressing the overpayment. 

As of XXXX, I have yet to receive any communication from Citibank regarding the refund, and this prolonged delay is causing significant financial strain. Moreover, the check from XXXX XXXX  was cashed by Citibank, leaving me with an outstanding balance that I am now required to repay, impacting my ability to fulfill my financial obligations, including the repayment of the debt consolidation loan used to clear the Citibank balance.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
Under 15 USC 1666B the account FSTPROGRESS XXXX is a billing error. I am requesting that this account is changed to paid as agreed never late. Please see the attached dispute letter, which is dated, and time stamped. You are also reporting inconsistent information such as the date last active and the date of last activity which is also a violation of the FCRA. If you are furnishing incorrect information, the payment history you are reporting is not credible and I will have to consider other legal options if the late payments are not removed from my credit report within 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I have contacted the company multiple times stating this account is not mine and has not been removed. Please remove this fraudulent account from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX and Trans Union continues to report these false allegations incorrect information to my consumers credit report. 

XXXX and XXXX has already deleted and removed these incorrect items. 

I feel your company can be some assistance in this matter. Thanks for your 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 non-monetary relief
Consumer complaint received 2023-12-01 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report, which I believe to be unauthorized. After reviewing my credit report, I noticed an inquiry listedunder your company 's name. I would like to bring to your attention that I did not authorize this inquiry, and I am requesting that it be promptly investigated and removed from my credit report. 

Below are the details related to the unauthorized hard inquiry : TRUIST - XX/XX/

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 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
Zions bank is allowing accounts to pay automatic WITHDRAWAL payments that overdraw your account and charging {$29.00} per transaction that causes XXXX fee. They are gauging and even though we deposited checks that went into our account the day after, we tried to cover, and I called the bank directly to ask for forgiveness they said they only allow courtesy credit once a year. They are excessively charging these fees. Its outrageous and the fees should at least be lowered if not eliminated. How can we get this to stop?? See below We deposited check for 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