vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo owes me compensation for my accounts that had excessive overdraft and insufficient funds, these were 2 accounts that had been closed with them, I also was a victim of ID theft. I called customer service to alert them that I had a new address but the lady who answered didn't seem to care and didn't take my information. Please give compensation from lawsuit for the unethical practices.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In a period of over 5 months I have sent letters indicating the inaccurate, erroneous information i have identified on my credit reports. Unfortunately, XXXX, XXXX and Equifax have failed to provide an honest and transparent investigation on my claims. Today I am filing a formal complaint. I will attach the proof of the letters i have sent. Please reach out to XXXX, XXXX XXXX Equifax and demand an investigation to be completed- I am also requesting proof of the investigation. If this is not done correctly as per the FCRA laws of investigating erroneous accounts I demand full deletion of the item in question. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In a period of over 5 months I have sent letters indicating the inaccurate, erroneous information i have identified on my credit reports. Unfortunately, Experian, XXXX and XXXX have failed to provide an honest and transparent investigation on my claims. Today I am filing a formal complaint. I will attach the proof of the letters i have sent. Please reach out to Experian, XXXX XXXX XXXX and demand an investigation to be completed- I am also requesting proof of the investigation. If this is not done correctly as per the FCRA laws of investigating erroneous accounts I demand full deletion of the item in question. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo owes me compensation for my accounts that had excessive overdraft and insufficient funds, this is an account that had been closed with them. I called customer service to alert them that I had a new address but the lady who answered didn't seem to care and didn't take my information. These account also had ID theft in it. Please give compensation from lawsuit for the unethical practices.

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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-05-29 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: MA

Complaint narrative:
I reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report due to the fact that they are negatively effecting my ability to obtain credit.

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 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Hi, XXXX XXXX XXXX is accusing me of a debt owed that i never opened..no knowledge of this credit card company until i received letters of owing and threats from collection agency.. 
the reporting company is reporting false/inaccurate information is LVNV Funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am a XXXX XXXX. I had a XXXX XXXX scheduled for late XX/XX/year>. My XXXX  suggested I apply to CareCredit. I applied for CareCredit to get a promotional one-time offer of a no interest loan so that I could pay my one-time XXXX charge. 

Instead, CareCredit opened a high interest Mastercard credit card for me without my permission or knowledge. I called CareCredit on XX/XX/year> to complain about this and ask for an explanation. I found it was nearly impossible to reach a real person because of their automated system. When I finally reached a real person, our phone call was disconnected twice. I am skeptical that these disconnections were accidental. After I called back a third time, I finally got a management person. This manager admitted that CareCredit 'automatically upgrades ' applicants to a MasterCard rewards card for those who have good credit. He said that is what happened in my case. 

I told the manager that I had not applied for a MasterCard, nor did I want one. I also told him I found this to be an extremely deceptive business practice and asked him to immediately cancel this new card. He tried repeatedly to get me to agree to keep the card but I refused. He eventually agreed to cancel this new card but now my credit rating will take a hit for both the hard inquiry when I applied for the card, and now another hit because I closed the card. I will never use this company again for anything.

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 2024-05-29 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
These items : 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  As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed from credit report. 
Please reinvestigate these matter and delete items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
These items : 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  As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed from credit report. 
Please reinvestigate these matter and delete items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XXXX of XXXX I disputed charges on my Business Checking Account under company name XXXX XXXX XXXX with Navy Federal Credit Union in the amount of {$10000.00} for charges on my debit card from a XXXX XXXX XXXX hotel located in XXXX, Washington. I informed Navy Federal that I did not authorize these charges nor ever stayed at this hotel. Additionally I contacted this hotel that had no record of my staying at this hotel but did have a record of my business debit card being utilized for a stay of another individual that has no relation to my company, after further investigation it was learned that no actual card was swiped for this stay but a manual transaction was conducted billing my card several times from the time frame of XX/XX/XXXX thru XX/XX/XXXX. In XXXX of XXXX Navy Federal Credit Union denied my claim saying no error occurred and closed my checking account. Navy Federal Credit Union completely mishandled my claim and denied he recovery of my funds as this merchant failed to provide a reservation listed under my name, or a signature card bearing my signature or proof of an actual debit card swipe of my card at this hotel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I booked a two night stay on XXXX for XX/XX/XXXX - XX/XX/XXXX. For the amount of USD XXXX. 

The host did not receive me and XXXX also blocked our numbers so I was unable to contact the host. I rang the doorbell and the host only responded via XXXX message hours later. Both the host, XXXX and BreadCashBack all refused to refund me the money. I deserve a refund for a service I did not receive. 

I have attached screenshots to the XXXX messages to demonstrate lack of communication of the part of the host.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to 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 non-monetary relief
Consumer complaint received 2024-05-29 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. Both accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reporting inaccurate information and you were notified in a letter dated XX/XX/year>. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached dispute letter which is dated, and time stamped and remove the inaccurate information from my credit report within 7 days.

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 2024-05-29 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: LEADER ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My mortgage company, Leader One Financial Corporation, fraudulently created a " second mortgage carried piggyback '', when they disclosed through paperwork that they were executing a deferment agreement. This stemmed from a XXXX XXXX related forbearance on my mortgage payments over a 3 month period. The outstanding balance was {$6000.00} that needed to be resolved at the end of the forbearance period. I decided on a deferment agreement, that places this balance at the end of my loan to be paid off when I refinance or pay the house off. Several months ago when I went to access the equity in my home by way of a HELOC, I was told I could not be approved ( although I have approx $ XXXX in equity ) because there is a second " lien '' on my home. For the last several months, I have been making phone calls to the Mortgage Company AND the servicing company " XXXX '' to find the paperwork that allowed them to do this, and what can be done to resolve the issue. To say I have got the " run around '' is a massive understatement. The servicing company has only told me that I CAN NOT pay off the " piggyback loan '', but doesn't have any other information. When I contacted the mortgage company directly, I was able to speak with a live person 1 time, who informed me she would request the " paperwork '' from the servicing company and call me back. I never received a call back, even after subsequent calls and messages left on her voicemail. After a lot of back and forth, I obtained an email address for the servicing company and sent them a formal request on XX/XX/XXXX for the " second piggyback mortgage '' paperwork ( there is none, which is the point ), as well as clarification of whom the money is actually owed to, as this was a Covid related forbearance and deferment agreement. 

On XX/XX/XXXX I received two letters in the mail dated XX/XX/XXXX. One letter stated that they received my email request and are " researching it ''. The other letter stated that Leader One is transferring my loan to a different servicing provider on XX/XX/XXXX. Obviously the issue isn't going to be answered OR resolved if they are transferring my loan to a different service provider in 3 days. This is a tactic on leader one 's part to absolve themselves of responsibility for the fraudulent creation of a second mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Please consider this as my refilling complaint to the FAIR COLLECTIONS & OUTSOURCING for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXX.They allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2024-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This complaint is not specifically about an XXXX XXXX or the XXXX XXXX process. I received a notification from Wells Fargo that a phone number had changed on my customer profile. 
I called to inquire ( after verifying there was a phone number on the account that did not belong to me ). They informed me that after I qualified and accepted the auto loan at the dealership, the account was sent to them and the phone number was in their paperwork. Since I was already a Wells Fargo customer, I already had a profile established. They updated this profile with this information. I spoke with 3 people and none seemed to understand why it is a major problem for Wells to be updating an existing account without my consent. If it was a new account, I could understand. But they should not have taken info from a 3rd party and automatically updated my account. I don't know where this phone number came from - I did not provide it, it is not my employer 's or is it my number. It was added to my profile as a work number.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC placed 2 collection accounts on my credit report but have failed to send me proof they own the alleged debt even though I wrote them several times. These are the amounts and account numbers : 1. {$1000.00} - Acct. # XXXX XXXX. {$1100.00} - Acct. # XXXX I never had an account with LVNV Funding LLC! I asked to be sent one or all of the following : 1. a copy a contract with LVNV Funding LLC showing my name 2. a copy of a bill of sale for the alleged account showing my name 3. an unredacted copy of the asset schedule showing my name 4. a copy of any purchase and sale agreement for my account

Company response to consumer: Closed with explanation