vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, someone forged my signature and issued a super check # XXXX from my Wells Fargo business line of credit account # XXXX payable to XXXX XXXX XXXX XXXX in the amount of {$10000.00}. On XX/XX/XXXX, I saw this check cashed from my line of credit account, called Wells Fargo and reported this fraudulent check. I didnt write this check, I dont have this style of check and I didnt know any company named XXXX XXXX XXXX XXXX Wells Fargo temporarily refunded the {$10000.00} into my account. On XX/XX/XXXX, Wells Fargo debited my account with this check again and said the signature matched my account records. I called Wells Fargo again but they kept me waiting on the line with different departments and told me that they need 90 days for investigation. I reported this case to XXXX Police on XX/XX/XXXX with all the information I had. I also received a lot of calls and text messages from companies I dont know and they sent me some checks that I didnt write. I sent the fraudulent checks and text messages to the policed officer also. After 90 days, I called Wells Fargo again and faxed a letter on XX/XX/XXXX to request a re-open on my case. Wells Fargo denied my claim again on XX/XX/XXXX and said a second review still finds no fraud. I went to a branch and asked for help but the escalated complaint manager could only transfer the messages from the credit card fraud claims department. They sent me emails on XX/XX/XXXX and XX/XX/XXXX that my claim was still declined. I called XXXX police again and sent a email to Detective XXXX on XX/XX/XXXX. I am also faxing a letter to Wells Fargo again for the reconsideration of my claim on XX/XX/XXXX today.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received my credit report and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under the 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received my credit report and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under the 15 usc 1681b.

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 2023-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
unauthorized hard inquiry by capital one bank on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Chrysler capital is reporting inaccurate information on my credit profile they saying that I made a payment in XXXX2022 when they repossessed the vehicle in XXXX of 2022. They auction the car off but they reporting that I still owe them the full amount when my gap insurance paid the remaining balance. Which should be XXXX dollars. I would like for them to delete it off my credit report because its inaccurate and its has cause me to not obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I requested an investigation of my Consumer Report from TRANSUNION per 15 U.S. Code 1681i ( a ) - Procedure in Case of Disputed Accuracy. I am requesting the 100 % Accuracy, Completeness and Verification for the following accounts. 
- XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, requseting an investigation of my Consumer Report from TRANSUNION per 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports for the following inquiries that have NO purpose on my consumer report. 
XXXX 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

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

NO Name Medical Account # : XXXX *** Account Type : XXXX *** Account Type - XXXX Detail : **** XXXX Account # : Medical ccount # : Account Type : Account # : Medical medical XXXX *** XXXX **** XXXX **** XXXX XXXX **** XXXX **** XXXX *** XXXX **** XXXX **** XXXX * Theses accounts are inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Greetings, Chex Systems I recently had trouble obtaining an account with a financial institution, so I checked my Chex Systems report and saw that I had some false and unfavorable information that would have resulted to my application being rejected. I don't recognize the reporting information, therefore please look into it and delete these accounts and queries from my consumer file. As a consumer reporting agency, it is your responsibility to ensure that all information is reported accurately and to omit false information that can not be verified. Investigate and update the information below, if necessary. Thanks.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I traded the vehicle and apparently their department took a while to process the check from my new lender. They called me everyday of the week after I told them I traded the vehicle stating that I'm still responsible for the payment until the check clear which is not true. XXXX  place a late payment in my credit report and days later sent me an email with the car being paid in full. 
I called and asked them to remove the late payment but they declined. I have no loan with this company anymore therefore they had the check in process which mean the late payment should be removed & account show paid in full.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I traded the vehicle and apparently their department took a while to process the check from my new lender. They called me everyday of the week after I told them I traded the vehicle stating that I'm still responsible for the payment until the check clear which is not true. XXXX  place a late payment in my credit report and days later sent me an email with the car being paid in full. 
I called and asked them to remove the late payment but they declined. I have no loan with this company anymore therefore they had the check in process which mean the late payment should be removed & account show paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I traded the vehicle and apparently their department took a while to process the check from my new lender. They called me everyday of the week after I told them I traded the vehicle stating that I'm still responsible for the payment until the check clear which is not true. XXXX  place a late payment in my credit report and days later sent me an email with the car being paid in full. 
I called and asked them to remove the late payment but they declined. I have no loan with this company anymore therefore they had the check in process which mean the late payment should be removed & account show paid in full.

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 2023-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: TX

Complaint narrative:
A late payment for mortgage loan was reported in XXXX XXXX for my XX/XX/XXXX payment. This item is inaccurate due to the following reason : I made my payment for XXXX through the app as I normally do. Unbeknownst to be there was an issue in system. My payment information is saved in the system so that I can make my payment each month. Only one payment account was saved the system to make my payment.. As the app only show the last four ( 4 ) digits of the account you are paying from, which showed the correct four digits of my checking account. I made my payment as normal. Approximately 7 to 10 days later, on XX/XX/XXXX, I received notice that my XXXX payment was returned, and a person showed up to my house to make sure it was secure! I had more than enough funds in my account for my mortgage payment therefore I called LoanCare to get this resolved and discovered that there were two checking accounts listed in my loan account both of which had the same last four digits but not the same beginning account numbers. XXXX with account services assisted me in getting the payment made through the correct checking account, waived the retuned check fee due to the error by LoanCare then transferred me to XXXX in the LoanCare webservices division to get this resolved. XXXX worked to get the incorrect account removed but was unable to at the time. A request ticket was made to get this situation resolved, in the meantime I named the accounts good and bad so as not to get them confused for future payments until the bad was removed by LoanCare. 

LoanCare continues to deny my complanit and resolve the issue by simpliy removing the late payment on my credit report. This is ruining my report and causing issues for a potential job move. My conversation with XXXX XXXX, a LoanCare escalation XXXX, on XX/XX/XXXX told me it was my choice to use the app or web to pay my bill and that if the XXXX XXXX department has denied this then that it. Use another method. Even though none of this was my doing I was basicaly told it was my fault.I was given no other person to speak with. This was an internal issue with LoanCare 's systems that I never had a problem until that day now it my fault for thier mistake.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted a complaint on XX/XX/2023 to TransUnion about my consumer report and it has been more than 30 days. I have been asking TransUnion for quite some time now to provide proof that I am LEGALLY BOND TO PAY THESE ALLEGED DEBTS. They keep discriminating against me for whatever reason but by this company not doing what they are obligated to is causing me and my family financial harm and marital issues. 

PLEASE UNDERSTAND THAT THIS IS CAUSING ME TO not have my right of DUE PROCESS AND BY TRANSUNION DEPRIVING ME OF MY RIGHTS IS BASICALLY DEPRIVING OF LIFE

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 2023-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, TRANSUNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. TRANSUNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX/XXXX  : XX/XX/2023 : XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 : XXXX XXXX XXXX XX/XX/2023 : XXXX XXXX : XX/XX/2023 : XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 : XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 : XXXX XXXX XXXX XXXX : XX/XX/2023 : XXXX : XX/XX/2023 : XXXX XXXX : XX/XX/2023 : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
I have made my payment on the XXXX XXXX XXXX XXXX I make my payments every two weeks. On the website it says as on today XX/XX/2023 I am 8 days late. I have contacted them yesterday or the day before saying I have paid on time and to fix it. They haven't replied to me nor have they fixed the issue. Every time I log in, the make a payment pops up. This is the 3rd time I am having issues with them. Last time was kinda fixed, but made me pay a fee ( late or reverse ) when it was their fault. Auto payment was on the first and they took the money out before. They said I changed the dated to the XXXX ( this was after the XXXX ), but that was because the auto pay was before the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I HAD A CHASE BANING ACCOUNT WITH COVID AND SLOW BUSINESS I WAS UNABLE TO MAINTAIN THE ACCOUNT. THEY OVER CHARGE ME WITH FEES AND HELP CHECKS UP FOR WEEKS. LIKE TO HAVE ALL THESE CHARGES CLEAR AND REPORT TO POSITIVE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting major inaccuracies on my report in violation of my rights under 15 USC 1681 s - 2 ( B ) ( i ) ( ii ), namely my report states : 1. That I have " a serious delinquency or derogatory indicator on my credit report.

2. That I have recently missed a payment or had a derogatory indicator reported on my credit report.

3. That I have an insufficient number of accounts that are currently paid as agreed.

I do not have any accounts delinquent or past due on my report. these inaccuracies reported on my Equifax report caused my credit score to decrease over 100 pts. I've called, and sent a certified letter over 30 days ago to Equifax regarding this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I paid the balance in full XX/XX/XXXX for {$3200.00} I paid {$1.00} for the interest of {$0.00} on XX/XX/XXXX and had late fee reversed. The account balance was confirmed XXXX with no further payments due. Now im told i didn't pay {$26.00} in interest from XX/XX/XXXX & have been charged an additional {$41.00} late fee. I was on the phone for 30minutes with 3 different " account specialists '' who couldnt find my account, couldn't explain what happened and gave me a new number to call XXXX XXXX XXXX XXXX couldn't help me and transferred me again. That man was going to resolve it, put me on hold and after some minutes, another woman started all over again and couldn't see the previous notes. After confirming that this call center is based in the XXXX and hearing that the phone quality is terrible she sent me to the " escallation department ''. I spoke with XXXX and started all over again. Could barely hear him, he said he couldnt do anything and even if I paid the {$67.00} before the due date of the XXXX, he couldn't say if the balance would be considered paid in full. I asked multiple times for a manager or supervisor and was told there wasn't anyone to talk to. 
I was on the phone for over 1.5 hours with no resolution, poor costumer service, poor phone quality and being given the run around in addition to being charged fraudulently.

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