vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 USC 1681i ( 5 ) THE CREDIT BUREAUS SAID EVERYTHING WAS COMPLETE AND ACCURATE AND I ASKED THEM HOW IF THE OPEN DATE IS WRONG, BALANCE IS WRONG, PAYMENT STATUS IS WRONG, LAST PAYMENT WRONG, ACCOUNT TYPE IS WRONG. 

THEN I ASKED THEM TO PROVIDE ME DESCRIPTION OF THE INVESTIGATION ACCORDING TO 15 USC 1681i ( 7 ) AND THEY NEVER ID. 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. 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 non-monetary relief
Consumer complaint received 2023-07-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

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 USC 1681i ( 5 ) THE CREDIT BUREAUS SAID EVERYTHING WAS COMPLETE AND ACCURATE AND I ASKED THEM HOW IF THE OPEN DATE IS WRONG, BALANCE IS WRONG, PAYMENT STATUS IS WRONG, LAST PAYMENT WRONG, ACCOUNT TYPE IS WRONG. 

THEN I ASKED THEM TO PROVIDE ME DESCRIPTION OF THE INVESTIGATION ACCORDING TO 15 USC 1681i ( 7 ) AND THEY NEVER ID. 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. THIS IS CAUSING ME STRESS BECAUSE I HAVE NO HOPE WITH THIS SYSTEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Fraudulent check for {$8400.00} was processed against our checking account at Chase bank. We reported it immediately upon discovering it on XX/XX/XXXX and submitted required written form on XX/XX/XXXX after getting misleading instructions from a bank employee. Upon following up on XX/XX/XXXX were told the claim was still awaiting documentation. We went into bank branch and worked with manager to resend the form from XX/XX/XXXX and verified it was received by the fraud department. We are now being told we will get a credit in 3-5 business day, which exceeds their requirement to give us a temporary credit within 10 business days from the date of the claim. This has had a very negative affect on us financially and we want to be sure they follow through and that their failure to follow the regulations are noted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
One unauthorized transaction of {$500.00} and another unauthorized transaction of {$300.00} from Unknown XXXX user on XX/XX/2023 from Wells Fargo account both unauthorized transactions. I filed a fraud claim for unauthorized transactions to Wells Fargo.

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 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I applied for the forbearance plan because I was having difficulties paying my mortgages due to XXXX. Now that I want to start paying back my mortgages they requested plenty of documents which I did submit everything and they are telling now that my loan modification was denied. Because I do not qualify and now I am very concerned about loosing my house due to this. I was told that these months on default will be added to the end of the maturity of the loan, but this bank is processing my loan modification like refinancing. I am a retired person with XXXX XXXX XXXX, I just want to continue paying my mortgage. I would appreciate if you can assist me with this issue with my bank. Thanks The name of my bank is : Shellpoint Mortgage Servicing Contact Information Customer Care Line : XXXX Loan Information XXXX My property : XXXX XXXX XXXX XXXX XXXX FL 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 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
From XXXX to XXXX my monthly transactions on my XXXX XXXX all differ from what is shown. Not only can you see the end of each months total change as you scroll through each month but when added up transaction by transaction the total is completely different than the amounts they show month to month. I have proof. There is at least {$1000.00} that is missing from my account. It's like it just vanished!! 

This isn't the only way Cash App is stealing or hiding our money. My bitcoin transactions do not add up and there are transactions that have magically appeared to cover for other funds that have disappeared. Shame on me for trusting them with handling my money. GET RID OF CASH APP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My checking account closed out and the funds in my savings account have not been released. I have been calling the bank every day with no response.

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 2023-07-14 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had a XXXX XXXX on XX/XX/XXXX. I purchased my XXXX XXXX XXXX XXXX on credit through Ally Finance and made my payments on a regular basis. After the XXXX, Ally Bank suspended my car loan payments. A total of {$16000.00}. Despite repeated calls, none of my calls were answered. At the end of the 4th month, Ally Bank requested a refund of {$35000.00}, a figure above the current total repayment amount of {$16000.00}, from my insurance company. As a result of our objections, my insurance company finally collected the parking fee and other transportation fees in XX/XX/XXXX, as well as the sum of the installments that I did not pay, with interest. He paid back {$19000.00} and the debt was settled. Ally Bank held me responsible for a payment dispute with the insurance company Progressive after I charged a higher fee than the payment amount, even though I had no obligations. He sent me a letter to Ally Bank about my late payment. Because of this, my credit rating was unfairly lowered. As a result of the dispute between Ally Bank and XXXX XXXX XXXX regarding the repayment amount of the vehicle, my credit rating was unfairly lowered. I demand and demand that this injustice be corrected as soon as possible and that my credit rating be corrected. 
Thanks 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 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
My husband is a XXXX veteran at XXXX XXXX. Due to this XXXX, we qualify as exempt for property taxes in Illinois at XXXX XXXX. This paperwork has been submitted to the mortgage company and has reflected on our payments for the last 6-7 months. 

A new escrow analysis has been performed and the mortgage company is trying to raise our monthly payment from {$670.00} to {$1000.00} due to property taxes. 

I have personally paid the property taxes in full for the year directly with the county, of which I have proof of. The mortgage company has all of this documentation for the exemption and the proof of full escrow payment for the year of 2022. The mortgage company continues to try and raise our payment. I believe this is discrimination against a XXXX veteran. 

I have tried multiple times to rectify this with the mortgage company but for some reason they will not lower the payment where it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello- I am troubled by the behavior of XXXXXXXX XXXX XXXX. Three years ago I leased a car from them. We moved addresses twice from purchase until now. In 2022, XXXX marked my credit record with XXXX consecutive late payments, and XXXX more this year. I paid all payments on time. XXXX never mailed or emailed me any information letting me know payments were late. I called several times to ask them to remove the erroneous info but they refused to do so. They have acted predatorily. According to them, a tax on the car ( not sure why I am responsible for paying it if its a lease and I dont own it ) was paid by XXXX because Massachusetts assessed a tax on it ( which I did not see/ get due to my address changing ). This then caused one payment to be late from my auto debit. Somehow they have marked every subsequent payment late even though it was on time. My credit score has been horrendously damaged going from XXXX down to XXXX. Please make XXXX tell the truth and fix this issue with the credit bureaus.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: TN

Complaint narrative:
This is in reference to case number XXXX. XXXX has completely failed me and I am at a complete loss. I was the victim of identity theft and had a loan taken out fraudulently in my name in 2022. I have submitted all documentation required, including an FTC Identity theft report, police report, ID verification and more. These are sworn affidavits. However, XXXX continues to state that the account was not the result of Identity theft and no further action will be taken. I don't believe that XXXX actually investigated this matter at all. No investigation report was provided to me at all. I would like a copy of this please.When I asked I was simply told that the loan agreement was sent to my mailing address. This a blatant lie as I never received any notice of a loan being opened in my name at that time. No identity verification took place. The person that took out the loan accessed by XXXX account that I already had and signed documents electronically without my consent or knowledge. XXXX failed to properly verify this loan. I was the victim of several other identity thefts at that time and over a period of months. All other institutions handled my identity theft and were on my side. XXXX continues to not be. 

I have been a client of XXXX XXXX XXXX for XXXX 20 years and you are basically calling me a criminal and a lia. I provided a police report and FTC report certifying that this loan was fraudulent and their response to this was negligent and dismissive. I would like a proper resolution to this issue otherwise I will be forced to consider legal action against XXXX. I will also be reporting this to local media outlets that may be interested to know that XXXX Bank apparently does not follow the FCRA and XXXX XXXX XXXX should support their long time clients who fall victim to Identity theft and remove fraudulent accounts and inquiries from their credit report, rather than treat them like the criminal themselves. I certainly believe its time to reconsider my primary bank moving forward. 

With that being said, I do not wish to destroy my personal credit over this account. Im at a total loss and if I have to pay the account, Ill just have to do it to be done with this nightmare. During the course of this investigation the account has gone into past due by 3 months on my credit report. If I am willing to bring this account back to current with a payment, would XXXX be willing to remove the negative late payment remarks from my credit report? Again, I was a victim here and the account wasnt opened by me, but Im just done fighting with XXXX and the Credit Bureaus at this point and am willing to just move forward if XXXX would be willing to help me out and remove these negative remarks from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
There are inquires on my report i did not autorize Transunuion 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 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 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 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 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 2023-07-14 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: CA

Complaint narrative:
i am a victim of fraud my identity was used to get this account i filed a report sent in the requiring documents it says it was being investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: NV

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: AZ

Complaint narrative:
I have had fraud on my Wisely Debit ( Global Cash Card ) account. Wisely provides " pay card '' services to employees of XXXX XXXX in Arizona. 

I had fraud on my account in XXXX 2023 ( {$8200.00} ) and then again in XX/XX/2023 ( {$8600.00} ). Both times, Wisely has been the absolute worst to deal with and void of any support to the consumer. In XXXX, I had to obtain help from ADP in order to receive the refund and some support with getting my funds back. Now, a few months later and after receiving new debit card, Wisely has allowed MORE fraudulent activity to occur on my account without any notification or sense to stop it. Any other banking institution would notify their customers of suspicious activity and stop the payments. 

Please note the following issues with the most recent incident : -Wisely refuses to email a letter that must be filled/signed in order for an investigated or or refund. They instead mail a letter, that took several weeks to be delivered in the XXXX incident. 
-The funds will not be returned until the investigation is completed. 
-They are unknowledgeable of policies and regulations/laws, and lie to consumers. After speaking with a supervisor, I was informed a letter can be emailed instead. 2 days later and no email, I contact them again and the next supervisor indicated that it can not be emailed and I was misinformed. 
-After locking my card via app AND contacting them to inform them of the fraud, they indicated they locked the card and account. Wisely CONTINUED to allow fraudulent activity on my card and MORE of my hard-earned money was stolen. 

This is blatant violation of consumer and citizen rights. 

-I grant permission for CFPB to obtain my call records from Wisely to investigate this. 
-I have also filed a complaint with the Arizona Attorney General 's office ( # XXXX ) to inform them of Wiseley 's fraudulent behaviors. 

Most recent complaint reference with Wisely : # XXXX Funds and dates of fraud : XX/XX/2023 : {$1000.00} XX/XX/2023 : {$1500.00} XX/XX/2023 : {$1300.00} XX/XX/2023 : {$1300.00} XX/XX/2023 : {$1700.00} XX/XX/2023 : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: PA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-07-14 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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: ID

Complaint narrative:
My name is XXXX XXXX XXXX, I have a Robinhood investment account which also has a cash management bank account linked to it. A week ago the system froze the account because of a system alert when I tried getting gas with it. I submitted all the documents and they keep saying they are reviewing my ID and cant give me anymore information. I cant withdraw or transfer any funds because my account is restricted until a review is finished. There was no need to lock my account and they are dragging this along after I submitted the same documents multiple times.

Company response to consumer: Closed with explanation