vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
I had already sent National Credit Adjusters a debt validation letter to rather send me documentation verifying this debt, as well as request immediate deletion of this debt from all consumer reporting agencies. In accordance with the FCRA, I am invoking my right to immediate deletion of all prior reporting made to any consumer reporting agencies, including but not limited to XXXX, XXXX, XXXX, XXXX, and XXXX. Moreover, pursuant to the FDCPA, I demand that all collection efforts cease until the alleged debt is fully validated. It is imperative that you provide documented evidence demonstrating legal ownership of this alleged debt and its accuracy and completeness. 

They have yet to remove the account from my credit reports, therefore they have violated my rights. 

I have also attached proof of the debt validation letter I sent them, as well as proof it was sent to them, and that a representative did sign for it confirming they received it. 

National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved

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 2024-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I requested debt validation from TSI collections agency and did not receive what was requested. This collections agency stated that I have been notified via email with a demand letter ( not debt validation ) via email. What email? Where is the email receipt that I was given this info? when was the email sent? If this was in fact the case how does this collection agency have an email address on file for me as this information wasn't shared with this agency nor was there permissible purpose for my info to be shared. Violation 1. I was shown a statement, a statement isn't considered debt validation. Please provide me with the contract that I have between TSI & Myself along with my wet ink signature signed with an agreement with XXXX stating that you have the right to even collect this debt from me or share information. Where is purchasing agreement between you and the creditor that I allegedly owe money to? Again I did not receive proper notification of this debt and this company has no authority to furnish any account to a consumer reporting agency without proper documentation see 12 CFR 1006.34. This violates the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide requested documents, reporting the debt to credit reporting agencies without providing the documents, and failing to tell the credit bureaus this debt was disputed. See 15 U.S.C. 1692g ( a ) and ( b ), 1692e ( 8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding their refusal to reimburse me for unauthorized transactions on my account while I was incarcerated. My name is XXXX XXXX, and my account number with Wells Fargo is XXXX. Despite being incarcerated during the period in question, unauthorized transactions were made on my Wells Fargo account without my knowledge or consent. 
Upon discovering these transactions, I promptly contacted Wells Fargo to report the issue and requested reimbursement for the unauthorized charges. However, Wells Fargo has repeatedly refused to reimburse me for these unauthorized transactions, citing various reasons that do not justify their failure to protect my account and address the fraudulent activity. I have provided Wells Fargo with all necessary documentation and information to support my claim, including proof of my incarceration during the time of the transactions. I am deeply concerned about Wells Fargo 's handling of this matter and their apparent disregard for consumer protection laws and regulations. Their refusal to reimburse me for unauthorized transactions has caused significant financial hardship and distress. I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that Wells Fargo fulfills its obligations to me as a consumer. I request that the CFPB take appropriate action to hold Wells Fargo accountable for the failure to protect my account and provide me with the reimbursement I am rightfully owed. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in resolving this dispute. 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 2024-03-30 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: MA

Complaint narrative:
Since XXXX I have had an identity theft and it was reported to the Police, FBI, S.S., Federal Commission and the credit agencies. I have informed the three Credit Agencies and XXXX XXXX XXXX on several occasions that this account does not belong to me since someone made a request without my authorization. I have problems with XXXX and Trans Union that, even though I sent them a police report, they have not deleted my credit 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 2024-03-30 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: MA

Complaint narrative:
Since XXXX  I have had an identity theft and it was reported to the Police, FBI, S.S., Federal Commission and the credit agencies. I have informed the three Credit Agencies and XXXX XXXX XXXX  on several occasions that this account does not belong to me since someone made a request without my authorization. I have problems with Experian and XXXX XXXX that, even though I sent them a police report, they have not deleted my credit 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 2024-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IS IN FINAL STAGES OF CLOSING FOR SALE I AM THE SELLER Mortgage Servicer is PREVENTING closure of transaction for Seller ( ME ) by REFUSING to provide PAYOFF to title company. Title has requested twice, I have requested twice. Told a 5-7 days - which is RIDICULOUS in our modern online era - today is day NINE and XXXX PAYOFF. 

BUYER CASH FUNDS ON HAND WITH TITLE. ALL DISCLOSURES DONE. LITERALLY THE ONLY HICCUP TO SETTLE IS MY PAYOFF SORRY THIS IS ABSOLUTE XXXX Fay Servicing has done ANYTHING AND EVERYTHING to prevent this sale, because they will no longer make interest from me. THIS IS DETRIMENTAL TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
2020 I took out a loan at TitleMax on my truck Ive been paying it and I always pay it on time the amount that I taken out was {$2000.00} Ive been making a payment of {$160.00} a month. I always make a payment of XXXX sometimes {$200.00} and the interest is 25 % a month I just made a payment of {$180.00} Today I was told a couple of months ago that XXXX XXXX XXXX XXXX by my husband being in the military I was not able to have an account with them and they That I would not be charged interest. which I dont understand that the interest is 25 % and down I always make the payment on time that XXXX is still there all I am trying to do is pay the loan off. I have tried plenty of times to call the company and every time I call and talk to someone they always say that if I pay a little more it will come down but I have always paid over in the year and XXXX of their employees were always telling me to keep making a little bit more payments on it every month and I will see income tax and the payments will change but the more I put on the payments it does not change it always stay the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
After opening an account with sofi on XXXX XXXX XXXX I made several deposits. A month later, after applying for a loan, I received an agent that manually reviewed the loan. At the exact time of the manual review, the agent put a freeze on my checking account, as well as denied the loan. It was frozen for 8 months afterwards, showing the message " Your account is currently under review ''. They never attempted to reach me or review the account. 

In XXXX XXXX XXXX, I submitted a CFPB complaint. The bank ( SoFi ) responded that they would keep the account on an indefinite hold, until they concluded their review without any indiciation to the time it would take. Since then, I've contacted them by phone several times. 

The last conversation I had was with an agent that said they could and would hold the money indefinitely. After pushing for a supervisor, I was told, to quote, " I'm your last point of contact ''. I reached out several times more, eventually reaching the identification department. After submitting my ID, receiving text messages to my phone number and submitting a scan of my face. I was told that the verificaiton was successful, but the accounts would still be closed and the money in my accounts ( both checking and investment ) mailed back to the address on file. 

That was over a month ago. I can still view the account and the money has not been mailed. They've continuously lied and illegally held my funds for over 2 years now. I'm an XXXX XXXX XXXX woman, not in the best of health and I've had to fight for years over {$440.00}, inbetween much more important things like medical exams and every day life. 

The practices at this bank are deceptive and predatory, especially to those that might be XXXX XXXX XXXX  and I feel the safety of their customers would do well with an investigation into how they manage verification / handling of held funds, as it seems they believe they are the owner of the money at whatever time they choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP
State: IL

Complaint narrative:
Bank is using my funds against my will. I did not consent to a XXXX  interest rate or a another 3 months CD. I want to close all my accounts. I no longer wish to do any more business with them.

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 2024-03-30 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My Home mortgage was transferred from XXXX XXXX to Mr. Cooper. We have tried to call them at all the numbers they provided and all we got were more computer menu options that did not apply to our issue. We paid our mortgage on XX/XX/year> using their automated system with a conformation code XXXX XXXX  Since then, we received a bill for the XX/XX/year> mortgage payment that shows we own two payments since we had not paid for XXXX. Again, we have tied to contact a human being to address the issue but with no luck. Perhaps you can help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/year>, an ATM withdrawal of {$500.00} was completed without my authorization using my debit card. I was not in possession of my debit card. 
I immediately reported this unauthorized ATM withdrawal to Discover Bank. They applied a {$500.00} provisional credit to my account on XX/XX/year>. 

I received a letter from Discover Bank dated XX/XX/year>. The letter stated they completed their investigation and the transaction was valid. 
Reason for this conclusion inclue the following : Transaction consistent with account holder 's prior activity. 
Transaction completed with PIN with no prior PIN failures No history of PIN being changed recently I do not agree with their reasoning. With today 's technology, scammers/hackers/theives know how to hack into a persons phone, computer, or any other electronic device to obtain any personal information they want or need to scam a person. 

As a result, the provisional credit of {$500.00} was reversed on XX/XX/year>. 
Dispute closed. 

On XX/XX/year>, I submitted a written letter to dispute the decision by Discover Bank. In the written letter I stated the following : The EFTA protects the consumer of unauthorized charges. The most I should have been responsible for on this transaction was {$50.00} as the fraud was reported within 2 business days.

Per the EFTA, you are no longer responsible for unauthorized use of the card assoon as your report the loss. If you report a lost or stolen ATM or debit card within two days, the EFTA limits your liability to {$50.00}. If I am understanding this correctly, Discover Bank owes me a minimum of {$450.00} if not the entire {$500.00}. 

Also in my written dispute letter, I requested copies of all documents used by Discover Bank to deny my original disputed unauthorized claim. As of XX/XX/year>, I have never received the documents nor has Discover Bank returned my funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: CA

Complaint narrative:
Dept. of education is reporting inaccurate information on behalf of my credit report and this company needs to be removed off my credit immediately. All 3 agencies has inaccurate information inaccurate Month ( terms ), payment status, Date late active and credit limit

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 2024-03-30 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: CA

Complaint narrative:
Dept. of education is reporting inaccurate information on behalf of my credit report and this company needs to be removed off my credit immediately. All 3 agencies has inaccurate information inaccurate Month ( terms ), payment status, Date late active and credit limit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: CA

Complaint narrative:
Dept. of education is reporting inaccurate information on behalf of my credit report and this company needs to be removed off my credit immediately. All XXXX agencies has inaccurate information inaccurate Month ( terms ), payment status, Date late active and credit limit

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 2024-04-01 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: CA

Complaint narrative:
I am writing to dispute the presence of a fraudulent account on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that I believe to be the result of identity theft. I have already contacted the bank associated with this account XXXX XXXX ago, and they assured me that they would remove it from their records. It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of this account. 


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 explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Back in XXXX I had a bad breakup with a woman. This person had taken my Apple ID, XXXX info and my card information for two other accounts as well as my Apple Card. I have gone round and round providing proof that the two other accounts that were used have provided me with a full refund for significantly less money than this card. I have had little to know response from my Apple Card only for them to tell me they have denied the claim with no response on why and no reason as two why the other companies have ruled in my favor yet this company will not. That are not in the interest in working for the customer but Instead for them selves to only get more money out of you and charge you interest in fraudulent charges. This company has terrible customer service. is extremely deceptive, misleading and not at all for the customer. I will be going on to file a complaint with the attorney general in New York. All of this of {$350.00} That I didnt even spend in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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