vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Fifth Third provides an application to make scheduled payments. I scheduled payments for 12 months in 2023 and they have been paid no issues. When they make an update to the application it removes scheduled payments. They charged me XXXX late fees and waived one. I want both waived. They are misleading customers and removing scheduled payments to collect late fees. They told me they removed them and mailed a generic notice. I never received any notice. This is misleading consumers to collect late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had applied for a credit card because in the past two years Ive lost income and I was losing everything I was paying off such as my car. I applied through capital one and was denied. The response was delinquent account on my credit report. I want to follow up with a discrimination case per Equal credit opportunity act as well as following up with consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
To whom it may concern regarding case # XXXX. The fraudulent transactions were for 2 purchases made at XXXX XXXX XXXX outside XXXX XXXX for {$3100.00} and {$3300.00}. 

I am requesting that the funds taken out of my account by criminals - or whoever committed this crime against me- are returned to me immediately. I have spoken to XXXX, XXXX XXXX and XXXX representatives who talked to me to understand my situation and helped resolve this matter for me favorably. Apple Card has been nothing but unhelpful on this matter and would not talk to me so I can explain my situation. 

In this report, you will find the following documents that I have used as evidence. 

A full police report that I submitted to XXXX XXXX from the XXXX XXXX Police Department outlining the crime committed against me A letter from Doctor XXXX XXXXXXXX XXXX outlining that I spent a night under XXXX XXXX XXXX following an accident ID Theft Report that I submitted to the Federal Trade Commission with details of this criminal act against me I have included various emails from both XXXXXXXX XXXX and XXXX XXXX showing Fraud Alerts that they sent me for transactions attempted by these criminals during the same time period. 
I also included letters from XXXX, XXXX and XXXX confirming that they ruled in my favor and refunded me for the fraudulent transactions when I disputed them Proof from XXXX XXXX that I traveled to XXXX from XXXX on Thursday XXXX of XXXX and returned on the morning of the XXXX of XXXX Some background information on me including a screenshot of my XXXX Profile and extended resume. I added this to prove that I am an ordinary and decent person and not a criminal or fraudster. 

I beg you to call me ( XXXX XXXX XXXX ) to talk through this and I can explain anything you need me to. I appreciate your help in resolving the matter. This matter has caused extreme stress for me during a difficult period of my life. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Wrong name, address and phone numbers

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Dispute of Inaccurate and Unauthorized Hard Inquiries Request for Removal and Verification Dear Experian Dispute Department, I hope this letter finds you well. I am writing to formally dispute certain entries on my credit report that I believe to be inaccurate and unauthorized, specifically the hard inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX. XXXX XXXX on XX/XX/2023 XXXX. XXXX on XX/XX/2023 XXXX. XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX  on XX/XX/2023 Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate credit reporting, and I assert that the aforementioned hard inquiries are not accurate, nor were they authorized by me. I kindly request the immediate removal of these entries from my credit file. 

Furthermore, in accordance with the FCRA, I am also requesting Experian to provide documentation that validates the verification process for each of the contested hard inquiries. Kindly provide proof demonstrating that the inquiries were, in fact, verified as accurate and authorized. This documentation should include, but is not limited to, any correspondence with the entities that made the inquiries, as well as any records of my consent. 

I am enclosing a copy of my credit report with the contested items highlighted for your reference. I believe that a careful review of the evidence will support my claim of inaccuracy and unauthorized access. 

I request that you conduct a thorough investigation into this matter, and I anticipate your prompt response in line with the FCRA guidelines. If, after investigation, it is determined that the inquiries are accurate and authorized, I request that you provide me with a detailed explanation and the supporting documentation. 

Thank you for your attention to this matter. I appreciate your cooperation and adherence to the legal requirements outlined in the FCRA. 

Sincerely, 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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the account sand remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. This included a police report on the identity theft. I told them that I fully intend to pursue litigation in accordance with the FCRA.

I sent the 4th letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. This also included a police report on the identity theft. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my 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 2023-10-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo was running a promotion in XX/XX/2023 to increase deposits at the bank. On XX/XX/2023, I took my lifetime savings and I opened a 5 month Certificate of Deposit ( CD ) at Wells Fargo Bank with the caveat that a bonus will be awarded after 90 days of the CD being opened. The bank specified that the bonus will be deposited within 30 days after meeting the 90 days condition. The bonus was never deposited even though we have met all the conditions. I was told that the bank needed more time to research why the award was not deposited. The bank asked for 10 business days to research the issue. After the 10 business days lapsed, they came back again and asked for another 10 extension to research the issue more. 20 business days have lapsed and now the bank is coming back and asking for another extension. Wells Fargo has all the information required to resolve this matter. After being with Wells Fargo for 27 yrs, I am disatisfied with how they are ethically running their promotion programs. It is not comforting to know that a large financial institution like wells fargo can unethically be so evasive and not meet its customers ' obligations.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have a lot of hard inquiries and collections from accounts that are not mines and had never open

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have a lot of hard inquiries and collections from accounts that are not mines and had never open

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 2023-10-17 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information 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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX - sent USPS money order by priority mail ( tracked & insured ) to arrive by XX/XX/XXXXXXXX  to : Capital One Attn : Payment processing XXXX XXXX XXXX XXXX, NC XXXX. The payment was not overnight rush. USPS shows being received on XX/XX/XXXXXXXX  at that post office box. 

Capital One representative said that Capital one was not the only business to receive mail at that box number, the representative said to mail it to the overnight address - Capital one attn : Payment Processing XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

The previous month, the payment was sent early in the month to the XXXX XXXX XXXX and was not recorded as payment until the end of the month. I was charged {$25.00} for that month for late payment. I also had to pay an extra payment because it took 3 weeks for Capital One to recognize payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
DEROGATORY REMARKS/ACCOUNTS/COLLECTIONS XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES 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 2023-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
This company has purchased this debt from XXXX XXXX XXXX which was reported to you and removed. According to 15 USC 1692G It is illegal for a collection agency to buy your debt and come after you. I did not enter into any contract with this company. They have violated my consumer rights by making this purchase. They have obtained personal information from lvnv funding. According to the state that i live in which is Texas the statue of limitations has been far exceeded and no one should be attempting any collection on this account. The date of this letter is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I leased a car with drive time in XXXX! I had an accident in XX/XX/XXXX, the car was totaled. In XXXX i signed a contract with XXXX to have gap insurance in my monthly payments. when the accident happened the company claimed they dont offer it anymore yet for some reason i was never notified of these changes and was still paying the fee of having it. The car was complete loss and i was in able to drive it i called my insurance they told me i had gap and to call them gap said i needed to call the insurance l. Both was giving a run around. I called XXXX XXXX  and told them what happened and asked them to come get the car mind you it was the end of XXXX XXXX they said they would come get it but i still needed to make the monthly payment. i told them im not making the payments on a car i can not drive and got into a new car the same week. I called them the next day and told them to come get the car again. ( still XX/XX/XXXX ) they let the car sit in my driveway until XX/XX/XXXX and was marking missed monthly payment until they came and got it and even a month after they came and got it. this company has multiple lawsuits on them for fraud and scams and I fell victim to it as well. the account was closed on my credit and for some reason it is back open. I volunteered to give this car back being as they broke contract with gap insurance. it is listed as an involuntary repossession and multi- month missed payment. this is all inaccurate information the account was listed closed on my credit after a dispute in XXXX and now it was changed from repossession to unknown as well as it says i made a payment on it in XXXX this account is closed on all other credit reporting companies. im not sure why it is being able to reopen. I added up all the payment on this car from the old portal and it said i paid XXXX when i called they said that was just the interest i still owed XXXX which is unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: WI

Complaint narrative:
In mid XXXX we were notified by our county that our taxes hadn't been satisfied. I made multiple attempts over multiple weeks to get this rectified with PNC. Finally on XX/XX/XXXX  PNC confirmed that payment was mailed. Please note, this took well over a month and a half to resolve. A week prior to resolution, I requested they close our Escrow account so I could manage and pay this on my own due to my concerns in their failure to pay time and rectify the situation timely. 

On XX/XX/, I finally received the paperwork to cancel escrow and was shocked to find that they required a payment from me of {$520.00} which is .25 % of my escrow balance. I questioned if this could be legitimate and the rep stated it was a " national '' type fee that all companies would charge for doing this. Working for a credit union myself, I inquired with our department and they stated that they had never heard of that and they had never charged that. 

XX/XX/XXXX  I requested a disclosure of this as our mortgage wasn't signed with PNC but PNC did buy our mortgage from our previous lender, XXXX. Whether it's a fee that PNC CAN charge, it's very much a junk fee and is absolutely unnecessary. If this was a basic savings account ( which it ultimately is ), I shouldn't have to be charged an absurd fee ( $ XXXX ) to retain funds that are ours to pay bills for our mortgage that PNC has proved they couldn't handle doing timely. Their errors and my distrust in them is the only reason I requested to close this in the first place. 


As of today, I don't have a copy of the disclosure/fee statement I requested. In reviewing our mortgage statement, I am seeing that they disclose " CFPB 2nd Servicing File in 6 months of {$250.00} ; Escrow Deletion : .25 % of Unpaid Principal Balance ; They charge {$15.00} for " priority service '' and various other fees and state they are " subject to change without notice, subject to applicable laws. '' I am located in Wisconsin so would be curious if this is a fee even permissible in Wisconsin. 

Even if it's not " against the law '' to charge a fee, does not mean that they SHOULD charge a fee and this directly aligns with CFPB 's publications and working towards removing junk fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I mailed a letter to XXXX XXXX XXXX, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I mailed a letter to XXXX XXXX XXXX, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed a letter to XXXX XXXX XXXX, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.

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 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed Account : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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