vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 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: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX XXXXXXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX Validate Account XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX Validate Account XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  XXXX XXXXection 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.

Thank You, 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 2023-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PLANET HOME LENDING, LLC
State: NV

Complaint narrative:
The mortgage company made the same mistake twice. My payment came late because they pulled from the wrong account which had insufficient funds. I had automatic payments setup. I called multiple times before during and after the processing of the money.Before, I would call to verify what account it will be taken out of, and they would tell me account # XXXX the account I want. Then on payment date they take money from account # XXXX. During the time period of the processing they would tell me my mortgage is paid, and I dont have to worry. A few days later I would get a mail saying my payment is late. I called again to get that payment arranged from the right account. The first time they waived the late fee. In that call I asked which account it will be taken from for the next mortgage payment and they tell me it will be from account # XXXX the account I want. a few days beforehand I would call to verify that. They made the same exact mistake again. Processing seems takes about XXXX  days it I would receive a mail until about XXXX days later that my payment is late because they pulled from the wrong account. The second time, after seeing them pull from account # XXXX. I literally had to drive over to pull money from account # XXXX and put it in account # XXXX. It seems it was not accepted in time or something because I still got mail a few days later of a late charge. I called many times, and I just spoke to a manager now and he says they dont have notes of all this happening. They only have notes of when my payment was made, being late and waiving the first fee. They said they can not do anything for me for their mistakes, and making the same mistake twice. They ( Planet Home Lending ) are still charging me a fee for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have disputed fraudulent charges made on my account on XX/XX/XXXX after I noticed the fraudulent charges that took place on XX/XX/XXXX. 

I told the Wells Fargo Claim representative VERY CLEARLY, that my phone and wallet were both stolen while I was out, my email was also hijacked hence why the email on the account has now been changed. My number was retrieved but my phone and wallet are still stolen. 

Wells Fargo denied my initial dispute claiming that these charges were not fraudulent and I in fact made the charges a few days later. 

I then went to the CFPB to receive my funds back. I received a letter from Wells Fargo stating " Claim XXXX was filed when we were informed that multiple unauthorized transactions posted to your account. Our claims department reviewed this matter and found the transactions were performed by you or someone with your authorization. Consequently, your claim was closed on XX/XX/XXXX. 
We have reviewed your claim information and we agree with the decision previously communicated by our claims department. There were multiple successful logins to your Online Banking session during the timeframe of the disputed transactions were performed indicating you were aware of the transactions posting to your account. 
Additionally, some of the disputed transactions were verified via email. Based on the above information, we are unable to pay your claim. 
While we realize the information provided may not alleviate your frustrations, we hope this letter serves to clarify Wells Fargos action about this matter. '' As I stated initially to the Wells Fargo Claim department when disputing the transactions as fraud, MY PHONE and wallet were stolen. The person who stole these items most likely used my phone and was able to access my email and all my bank accounts from the mobile apps. 

The response I received from XXXX at Wells Fargo is inaccurate and Wells Fargo completely disregarded what I initially told them over the phone when disputing my transactions. 

This will be the last attempt I try to retrieve my stolen funds before hiring an attorney. Wells Fargo states that we as the customers are " NOT LIABLE FOR FRAUDULENT TRANSACTIONS '' although it seems very clear that I am in fact liable for fraudulent transactions as Wells Fargo is insisting to make me liable for this entire 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 2023-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Re : Synchrony Bank Dear Sirs : My name is XXXX XXXX. I have been XXXX for several years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I was released it was impossible for me to visit a bank branch to conduct business. In other words pay my bills. A friend told me that Synchrony Band would allow wire transfers online.

I then opened a Synchrony Bank account. This was done in XX/XX/2023. I deposited {$100.00}. Shortly thereafter I transferred {$10.00} into a second Synchrony account. In XX/XX/2023, I made XXXX more deposits into my Synchrony Bank account by ACH transfer from my XXXX XXXX Bank Account in the amounts of {$5000.00}, {$10000.00} and {$15000.00}. The balance was approximately {$30000.00}. The purpose was to utilize the online wire service offered by Synchrony Bank. 
My first attempt failed because of Synchronys policy of a telephone confirmation by the receiving Bank. The second attempt was foiled by a Synchrony Bank mistake. I made a complaint to Synchrony Bank. I then made a third attempt at a wire transfer on XX/XX/2023. I was told this would take 1-2 business days. On Monday XX/XX/2023. I was advised my account was locked. They said my account was under review. They further advised this process would take 2-3 more days. 2 days later I called again. Now it was said 3-5 days to complete. I called again in 3 days only to be told it would take 60 days. All this time I was denied access to my funds. I have been provided no explanation for this action. It was further implied that the 60 day time frame could be extended at Synchrony Banks sole discretion.

This is a clear abuse of discretion. It is inconceivable that it would take 60 days to review XXXX  deposits and one transfer into another Synchrony account. This actually can only be seen retaliation for my complaint against the Bank for making a mistake. 
The Bank stated their review was for my protection, instead it has caused me financial distress. This unwarranted action can not go without investigation and exposure. Please publish my complaint. 
Very truly yours 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 2023-10-05 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: MI

Complaint narrative:
Inquiries were made without my consent

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 2023-10-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Inquiries were made without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Inquiries were made without my consent

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 2023-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
I have had a XXXX XXXX XXXX XXXX account with funds accruing in it since at least XXXX. There is no way to communicate with XXXX other than email as they do not provide a phone number to call to talk to anyone. I have included a screenshot of the various email communications with XXXX over the years. Noteworthy, is an email in XX/XX/XXXX where they sent an email informing me that I needed to log into my account because I had been inactive for months and need to show activity on my account. I did so, and you will see there were a few emails from them after that through XXXX. I have not received email communication from them since XXXX. 
This month, I went to log into my account as my XXXX kids are now in college and want to transfer the college savings account to pay for college. Upon logging in, I received a message ( see one of the attached screenshots ) that my account was closed due to 30 months of inactivity and that if I clicked the button they would reactivate my account in the amount of {$2100.00}. Since there is no other way to communicate with them other than email, I immediately emailed them requesting assistance with my missing funds and remaining balance. They created a " ticket '' ( again see screenshots ) and informed me a few days later that they had rectified the problem and reopened my account but took all the funds and left me with a {$0.00} balance! 
In an absolute panic that they have now taken all my XXXX college fund money, I again emailed them and have not heard anything from them!! Please help me as I can not imagine that it is legal for them to take all my XXXX college savings account money like that- certainly not without informing me that some action was required on my part and also that they can simply seize the money that I have held in this account for all these years??!! 
I am in absolute panic here that this has occurred, and I am in need of assistance. Please let me know if you need any other supporting details or information and I will provide what you need. I thank you very much in advance for your time and attention to this very serious theft of funds. Thank you. 
Since it is a federally taxable XXXX XXXX account, I should have full reinstatement of all the funds that were in this account prior to them closing it without notification. There is no way for me to know the final balance at that time since they have subsequently erased it. The last balance I have is XX/XX/XXXX of {$2100.00} so I know it was more than that. Additionally, if they were willing to replace {$2100.00} when I initially tried to log back in this month, why would they be able to take that from me after I have requested their assistance for reinstatement?

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 2023-10-05 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: Freedom Mortgage Company
State: MO

Complaint narrative:
We been having problems with Freedom Mortgage for XXXX  years now. But latest and final problem is. We was behind on our payments. Thats our fault. But XX/XX/2023. We got a statement in the mail pay this amount to catch up on the past due. It was XXXX, xxx. So I went to my wife and told we need to get this in the mail today. I went to the bank and got a XXXX check from our bank. Then went straight to the XXXX  office and mailed it off. So on the XXXX of XXXX. It would go to XXXX XXXX airport then to XXXX airport. So by XX/XX/2023 the payment was in XXXX to go to freedom mortgages payment center. 
So XXXX XX/XX/XXXX we called up to you there to find out if they had the payment they said no. We asked them what we should do. The lady that was talking to you oh sure us and we were fine they would find the payment. We even asked if we should make another payment because we just got a XXXX insurance policy XXXX in so we had the money. I love warm is it every mortgage. Said no, we didnt need to. That wed be OK. We go back to the XXXX  once again. We were told we were OK so we didnt worry about our house being sold. Because they were saying we would be oh right. Well, our house got sold on the courthouse steps to freedom mortgage. And then I went over to the other ocean and got sold to freedom mortgage and then all of a sudden on XX/XX/XXXX freedom mortgage sold it to this company that is now having a certificate out of our house. I have to reverse ensuring that everything was gon na be OK. This is not OK Oh, I know its that big XXXX had that check in the fan. After XXXX days they held the check they finally sent it back to us and it was dated the XXXX. when the sale date was the XXXX Im leaving at this from now. Thank you for your time.

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 2023-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report. Please remove all these fraudulent unauthorized inquiries on my report.

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. 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 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 non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax numerous times for the last XXXX weeks with the inaccurate information they have been reporting on my credit profile. This inaccurate collection is a result of identity theft, police report was also submitted along with the Dispute XXXX XXXXXXXX. 

Equifax opened XXXX other Disputes XXXX XXXX XXXX XXXXXXXX. These disputes are not opened by me nor authorized by me. I was also given Esclation XXXX XXXXXXXX and was informed the authorized disputes will be closed in XXXX business days. NOTHING HAS HAPPENED. 

I spoke to several people at Equifax, some of them are XXXX XXXX, XXXX XXXX ( XXXX Incharge, Consumer Affairs ), XXXX XXXX, XXXXXXXX XXXX XXXX  ( shocking informed me that he could not locate my file ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Unfortunately no one was able to resolve the issue even upon repeatedly informing them about the inaccurate information being reported and evidence provided ( XXXX Report, Identity Theft Report ). 

This has been an ongoing issue Equifax not addressing the customer concerns nor completing proper investigation on the reports of fraud. 

I was a victim of an identity theft, this was explained to Equifax on several occasions, please refer to previous CFPB compliant also. 

THESE ACTS BY EQUIFAX HAS RESULTED IN ME LOOSING XXXX POINTS FROM MY EQUIFAX CREDIT SCORE. I WAS IN MIDDLE OF XXXX XXXX MY XXXX XXXX APPLICATION HAS BEEN DECLINED AND CAUSED SEVERE FINANCIAL BURDEN.

Company response to consumer: Closed with explanation