vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The debt collector, TSI, has not accurately reported my payments to the Lender, XXXX XXXX XXXX, for 36 weeks. My loan was fully repaid on XX/XX/XXXX, but XXXX XXXX XXXX continues to garnish my wages due to TSI 's failure to accurately report my payments. I have asked both XXXX XXXX and TSI to accurately report my payments no fewer than 5 times, with no progress. 

Payments : XX/XX/XXXX Check XXXX Check - {$2000.00} XX/XX/XXXX Check XXXX Check - {$2000.00} XX/XX/XXXX Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XX/XX/XXXX Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX  # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION.DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYINGINFORMATION. 

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT XXXX  XXXX OR XXXX  XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite several written requests, the following accounts are still reported as 90 days late in XXXX  and are in violation of Federal Law. I'd like to point out that XXXX and Transunion stated in writing that they verified that these items are being reported correctly? Who verified these accounts? I have attached Case ID XXXX, a detailed report from XXXX showing that the following accounts are not past due and were never 90 days past due : Creditor - XXXX, Last four digits of account numbers- # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX. Please update all of my Student Loan Accounts and remove the late payments.

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 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
THIS IS NOT MY ACCOUNT. NO SIGNED CONTRACT OR MY LEGAL SIGNATURE FOR ANY CHARGES. 

mcm accounts XXXX mcm accounts XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
PayPal credit filed a missed payment on XX/XX/XXXX of 2023 with all 3 credit bureaus in which account is closed and on auto pay.

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 2023-05-09 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Hello, On XX/XX/XXXX, I went to a Local TD Bank Branch to withdraw money from their ATM. I was using a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX card that costs {$50.00} dollars. This card was swallowed by the ATM due to unknown technical issues. The Bank Branch that I was visiting had workers inside and I asked for their assistance, not only did they show complete disrespect, they also only gave me the number of the ATM service company which was no help as they told me only the Branch has any power when it comes to contacting the ATM Service. Now I am unable to withdraw money without paying an additional {$50.00} however I want my card back as there simply is nothing wrong with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days, This is totally Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Bridge IT, Inc.
State: NC

Complaint narrative:
I have been a customer of Brigit since XX/XX/2022. Brigit offers pay period loans as well as credit builder loans and financial planning services via their app and website. I used their payday loan service and often tracked my spending on the XXXX version of their app as I own all XXXX devices. I was mostly satisfied with their services until I tried to buy a home. Two days before closing on the intended home the FHA loan underwriter requested an official account statement from Brigit to ensure that I did not owe a balance to the company or that I was repaying the payday loan as outlined by the agreement between Brigit and I. After searching the app and the official Brigit website I could not find a source to procure an official account statement or any other documentation that could satisfy the requirements to be accepted by the FHA loan office. I reached out to Brigit via their email as their website declared that their preferred method of contact for customer support. I was emailed back the following day a person named XXXX whom I can only assume must be employed at Brigit as a customer service agent as she did not disclose her title within the company. XXXX stated that Brigit was not a bank and thus not obligated to provide me with an account statement. I immediately replied to XXXX 's email asking if there was any other official documentation that could prove any good standing between Brigit and myself. My replay has been left unanswered for over a business day and still has yet to be answered. This caused me to look for other resources and my discovery of CFPB and the XXXX XXXX. After this research I reached back out to Brigit by replying to XXXX 's email again informing her of the information I had gathered and if I was not properly assisted in a proper time frame and if Brigit was not going to comply with US Federal law I would be reporting the company to CFPB and seeking legal action. Due to negligence and non-compliance of Brigit I could be penalized by being denied my almost complete FHA mortgage opportunity, causing me tremendous financial loss, placing a negative impact on my credit, and leaving me homeless. Brigit has still yet to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
My father was scammed. I am a authorized signer on his business account. I contacted Wells Fargo to reverse the scam transactions. I received a horrible run around and phone calls not returned or followed up with 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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
check made out to a company in XXXX XXXX IL. on XX/XX/2022 Check was stolen out of customers mailbox. Check made out for {$30000.00}. Check was cashed in XXXX XXXX on XXXX XXXX. Made a police report contacted my bank and the bank in Mississippi and I am told that the check was cashed legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK
State: AL

Complaint narrative:
Discover Home Loans I have FEMA proof that I dont need Flood Insurance for my Home Loan. Also, XXXX, XXXX XXXX, and XXXX XXXX knew I didnt need it. Some of the almost 8 acres is low, but has no buildings on it. 

I think Discover 's 'policy ' to require Flood Insurance if any of the land is in a flood zone is related to them taking my interest on escrow, which is illegal in 15 states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is incorrect Personal information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: FL

Complaint narrative:
To whom it may concern I have already gotten this account off of my report due to inaccurate information along with selling my information without my consent to a collection agency and I also had this removed a long time ago and they have brought it back onto my credit report as a new account. 

It is also hurting my credit score and I need this to be removed AGAIN IMMEDIATELY! If not I am in touch with an attorney that is ready to take legal action. I am asking nicely to please remove this from my account but it is unjust and unfair that they are doing this to people. I will leave the account information below. 

XXXX XXXX XXXX  Original creditor : 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # XXXX XXXX XXXXXXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
Attempts have been ongoing since XX/XX/XXXX to inquire about discrepancies within our loan balance. We believe our loan should be paid off, yet Regions states we still owe approx. XXXX more. We believe our original loan was XXXX equal payment of {$430.00}. As of XX/XX/XXXX, we have paid that amount. In XXXX, we filed bankruptcy and reaffirmed this loan. That reaffirmation agreement included 4 extra payments ( XXXX total ) even though agreement states there were no changes to original loan. We have recently ( XX/XX/XXXX ) paid those 4 payments, even though there has not been any explanation for those extra 4 payments. With these 4 payments, our bankruptcy reaffirmation agreement has been met. We have requested our original loan agreement several times. We have requested with several associates to investigate discrepancies with possible errors in payment processing. All attempts have been ignored after initial request. Our home and future credit is now in jeopardy. My attempts started with my local branch in XXXX, Ky. The manager literally threw his hands up at me and stated that his office could not/would not do anything else for me -- - this was my first official meeting with him! He also told me that I shouldn't pay anymore payments and that maybe whomever came to repossess my home might be the person who would have the information I was seeking about my loan -- -REALLY???. This is how Regions treats someone that has faithfully made XXXX + payments for past XXXX? When inquiring about loan, I have be been accused of not making payments... even though they had payment history, but refused to look through it. I have been disrespected/ ignored throughout the entire process.

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 2023-05-09 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: OH

Complaint narrative:
I sent a letter on XX/XX/2022 to XXXX. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? 
How did they complete this investigation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: WA

Complaint narrative:
Received misleading mailer, which looks like an official document, but is actually just an advertisement. The Ad has a year on the top right, which makes it look like it came from the IRS or other government source when in fact it's just an advertisement. This is false and misleading.

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
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC
State: TX

Complaint narrative:
Received a letter from Oliphant USA LLC stating debt was owed. called Oliphant and spoke to representative and advised that the debt was not valid. Rep stated that she would note the account and send back to original credit XXXX XXXX XXXX Never happened, I called XXXX XXXX after the account was put on my credit and they stated that the company no longer had the account is was sold when they purchased XXXX. However the representative advised me that they were collecting on behalf of XXXX XXXX. When the account was added to my credit report, I contacted Oliphant and was advised that they did not know anything about the account anymore due to my file being collected on by the sister company XXXX and XXXX. Called XXXX and XXXX and spoke to rep and advised that I never received a letter to dispute the debt, and the debt was being disputed by Oliphant. RepXXXX stated nothing in file about a dispute and that he could send me a letter out regarding the validity of the debt. The account had been put on my credit report before I could dispute the debt. Oliphant is the collection agency that reported the account, however XXXX and XXXX is attempting to collect on a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: MI

Complaint narrative:
XXXX # XXXX This is the XXXX  time I ask for verification proof of this account. I ask for you to verify this account not to send me another copy of the same report I would like this verification to come in the form account to the # Law # section 1692g # 1 The original application or contract # 2 Any and all statements allegedly related to this debt # 3 Any and all signed receipts # 4 Any and all cancelled checks Under this law you are to supply me with this information. I do not want another copy of this report. I want copies of the application or contract or signed receipts checks etc sir I would like this report removed I am aware that I can take legal action because its is well past my original complaint which gave you XXXX days to get me this information which was file XX/XX/2023. Please either send XXXX of the XXXX requested documents or please delete from my profile

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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo would add random fees to my account and freeze my account sometimes as well back in XXXX and 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 2023-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
they have tagged on 36 months worth of late charges due to their late fee structuring, and that's not even what I'm complaining about ENERBank have switched their payment portal 3 times since I've started with them. the only thing I'm trying to do is make my payments I don't want to get marked a negative report They have already put a bad remark on my credit before. when I try to call them for support I usually wait on the phone anywhere from 20 to 45 minutes before I talk to somebody that does not know anything about my case if i'm lucky. I have attached screenshots of ENER Banks payment portal failing to let me sign in... again... I have been on the phone with support and they said they were going to address the issue but they never did.

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 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XXXX of XXXX my loan was sold by Guaranteed Rate to Chase Home Lending. During the time of transference, I had established an automated payment through my US bank account to issue a physical check to the address listed on the paper bill. After approximately three weeks, i did not see the payment process through on the account. I reached out to Chase and they said that they did not receive the funds. In order to prevent a lapse in payment, i processed an over the phone payment. A week later, the physical check showed up at the Chase address listed on the back of the statment and was processed. Chase informed me that the address the check was made out to was not a valid receiving center for their company. I disputed the statement with proof of address on the documents received in the mortgage transfer. Chase requested a copy of the cashed check image and i provided it to them showing that the check was received and automatically deposited by their processing center into a XXXX account. Chase denied any wrongdoing and stated that i sent the check to the wrong address. After an internal investigation, they report no error in receipt of the funds. I had told them that i would need to dispute the check with XXXX Bank and they would have to sign off that they did not receive the funds. They claimed it was fraudulently endorsed and told me that i would not be punished on my credit due to the mortgage transfer grace period. I was able to bring their balance current while awaiting the resolution with us bank to retrieve my funds. After further investigation, I've learned that the XXXX XXXX XXXX XXXX mailing address is a third party/subcontracted bulk payment processing center. This was the address listed on the back of the bill as an acceptable address and representative of Chase and its affiliates. Any errors incurred by their affiliate is an error incurred by Chase. I've provided copies of my statement, check and attempts to communicate with Chase.

Company response to consumer: Closed with explanation