vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
In XX/XX/year>, I unexpectedly lost my job, which led to financial difficulties in making my regular monthly payments for the billing periods of XXXX and XXXX. While awaiting the deposit of my retirement funds, I reached out to Wells Fargo for assistance. Unfortunately, a certified mail I sent through the post office was lost, further complicating my situation and intensifying the financial strain. Despite this, I contacted Wells Fargo and arranged a payment plan, which they agreed to. However, despite our agreement, Wells Fargo reported my account as late to the credit bureaus and added additional fees, which caused my credit score to drop significantly from XXXX to 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 monetary relief
Consumer complaint received 2024-12-14 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: TX

Complaint narrative:
You are out of your window to fix the issue : Attached is proof from XXXX stating I did have options and in my other dispute as well as from the bank you will see I utilized them. I was told if I set up the deferment it will change my due dates not making me late. 

I showd you all of this plus my new agreement and you guys didn't update my account I told XXXX and they didn't respond for 2 months now. Between you two someone within 30 days was to update MY account to NO LATE PAYMENTS DUE TO DISASTER or remove the account according to law see attached On top of that this is a loan showing as a car/auto not personal. You guys said you updated and validated over 90 days then 30 days ago but even the TYPE of account is incorrect which within itsself is grounds from removal. Because to whom when and how did you validate anything if even the type is wrong still If I'm wrong please prove to me how.

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 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am writing to formally address a matter regarding the wrongful withholding of funds and the subsequent false accusation of fraud by fifth third bank. I previously filed a claim against your institution concerning the deposit of a check that was unfairly held and not returned despite assurances to the contrary. Contrary to the representations made by your institution, my account was not closed, and the funds were not returned as promised. 

In addition to these failures, I recently received correspondence from the Department of the Treasury stating that due to my endorsement of the check, I am precluded from filing a claim with them. However, the banks actionsincluding the false allegation of fraud and the unlawful withholding of my fundsconstitute a violation of my rights under various state and federal statutes. 

Violation of the Uniform Commercial Code ( UCC ) : Under the Uniform Commercial Code, specifically UCC 3-304, a bank is required to honor checks unless there is a valid reason for non-payment, such as a stop payment order or insufficient funds. Your refusal to process the check and return the funds is a direct violation of these provisions. 

False Accusation of Fraud : The false accusation of fraud, without substantiated evidence, may violate state consumer protection laws and could be considered defamation under state tort law. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ), the bank has an obligation to conduct fair business practices, and falsely accusing a customer of fraud when no evidence supports such claims constitutes an unlawful business practice. 

Theft and Conversion of Funds : Under state law, the unauthorized retention or withholding of funds that rightfully belong to an account holder constitutes theft or conversion. I request immediate reimbursement of the funds that have been wrongfully withheld and a formal resolution of this matter. 

Despite the Treasurys position on my claim, I am entitled to recover my funds, as the bank has failed to meet its legal obligations and has caused me financial harm by withholding my deposit and making false accusations. I request that you promptly resolve this matter by either refunding my funds or providing a valid explanation and legal basis for the continued withholding. 

Please respond in writing within 3-5 business days. If this matter is not resolved satisfactorily, I will be compelled to pursue further legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney Generals office, and exploring civil legal action for recovery of my funds. 


Please see previous report that was closed without any investigation XXXX XXXX XXXX which was completely bias and unfair. My money has been stolen by this bank and must be returned immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I been using the same account to make payments on time since I open Big lots account couple years ago. Since they went out of business they have been having issues processing the payments on my same account and adding fees to the account not letting close out. This company is represented by XXXX XXXX  which I have another account where I use the same account to make payments. I spoke with Supervisor from the credit card XXXX  and said there is something wrong with the website to make payments. I need help to resolve this issue because I been having issues with this company to make on time payments. They have a faulty system to process the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have been closely monitoring my information on my credit report and noticed a couple accounts with LVNV FUNDING LLC. 
LVNV FUNDING LLC {$670.00} LVNV FUNDING LLC {$690.00} THESE ACCOUNTS I DO NOT RECONGNIZE AND I WOULD LIKE THEM REMOVED IMMEDIATELY. LVNV FUNDING LLC has only provided itemized statements of these accounts. I have asked multiple times for a contract agreement from their company with my wet signature being that my identity have been stolen multiple times over the years. I receive random fraudulent accounts to my credit report often. XXXX have confirmed that my identity have been breached which includes my phone number, home address, drivers license, and my birthdate. Itemized statements with my information at this point means nothing. Also my identity have been also breached with the major 2024 national public data as well which includes 2.9 billion people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 if 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
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal credit card account opened at XXXX  XXXX on on XX/XX/XXXX under the account number ( XXXX ), another personal credit card opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-12-14 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: SC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$180.00} Charged Off Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I transferred money from my XXXX to my Robinhood on XX/XX/year>. I provided the documentations required to approve my account so I can withdraw my money. Customer service keeps disconnecting me on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
AMENDMENT OF PREVIOUS FILED COMPLAINT : On XXXX, XX/XX/XXXX, gentleman by name of XXXX XXXX contacted me on behalf of NetCredit for alleged debt I owe. I didnt answer the first time, so he called again from a different number. I didnt answer again. Then he called my work, my mother & my father. Which to me is harassment. This was all in the span of XXXX minutes. I am not sure how he obtained my parents phone numbers. When he called my mother, she answered not knowing. I then spoke to him. He essentially XXXX  court & other court-related fees if not paid by that day. I explained I am in no place to pay that much in XXXX day. He offered to give me XXXX weeks time to pay. He did not verify the agency he was calling from & posed like he was a law firm. I agreed to pay, not knowing my full rights. I also asked him to no longer call my place of employment or family members. Upon researching his so-called firm, the phone numbers he called from nor the name he gave me of the firm, is available anywhere online through a XXXX search XXXX After further research, it appears he was calling from XXXX XXXXXXXX XXXX. 

The phone numbers he called from are as followed : ( XXXX ) XXXX ( XXXX ) XXXX On voicemail he left, number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear American Express Leadership Team, I hope this message finds you well. I am writing to respectfully request a review of the late fee and interest charges totaling {$270.00} that were assessed on my XXXX XXXX XXXX ending in XXXX. 

As a long-time American Express customer with an excellent history across multiple accounts, I value the relationship Ive built with your institution. I had enrolled in autopay for this account to ensure timely payments. However, due to a technical issue, the autopay feature did not activate as intended. Compounding this issue, I was away on an extended business trip in XXXX for two months, which limited my ability to monitor the account as closely as I normally would. 

In the current challenging economic environment, where managing cash flow has become increasingly critical, this unexpected and substantial charge has created additional financial strain. As reported by recent data, many individuals and businesses are grappling with tightening budgets and rising costs. A gesture of goodwill by waiving these charges would not only demonstrate American Expresss commitment to long-standing cardmembers but also align with your reputation for customer-first service during times of need. 

I trust that you will find my request reasonable given my history with American Express and the genuine circumstances surrounding this incident. I am confident that a resolution in this matter will further strengthen my loyalty and appreciation for your organization. 

Thank you for your time and understanding. I look forward to your favorable response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
To Mr. Cooper, XXXX XXXX XXXX, CFPB, Date XX/XX/XXXX Loan Number XXXX Property Address XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Mail XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Phone XXXX ( XXXX ) XXXX XXXX Email XXXX Subject : Demand for Immediate Refund of {$760.00} Due to Escrow Payment Error and Violation of Legal Obligations Dear Sir/Madam, XXXX XXXX XXXX XXXX I am writing to formally address a serious issue regarding a violation of regulations and the improper withholding of funds by Mr. Cooper Mortgage , as the servicer of my loan through XXXX. This matter concerns an erroneous payment made from my escrow account for property insurance to the wrong insurance XXXX and the continued failure to refund the associated amount of {$760.00}. Mr. Cooper has transferred the mortgage however that do not release Mr. Cooper from the financial duty and paying the access collection fo the Escrow amount. 
On XX/XX/XXXX, Mr. Cooper, as the servicer of my escrow account, made a payment in the amount of {$760.00} to " XXXX XXXX XXXX XXXX XXXX Florida '' ( " American Integrity '' ), a XXXX with which I do not hold an active insurance policy. Subsequently, a duplicate payment of {$760.00} was made on XX/XX/XXXX, as reflected in my Escrow Statement. These payments were made in error, and I have attached supporting documentation to substantiate this claim.

Despite my repeated attempts to address this matter, including contacting your customer service team, no meaningful resolution has been provided. Specifically, there has been : 1. Lack of Refund : To date, the amount of {$760.00} remains unpaid despite cle
ar evidence that the payment was sent to an incorrect insurance carrier.

2. Lack of Communication : There has been no adequate explanation or update regarding the investigation into this matter. Additionally, XXXX XXXX XXXX responses have been unhelpful and failed to address the issue in a timely and transparent manner. 
XXXX. Unethical Practices : The delays in processing this refund appear deliberate and are both unethical and in violation of Florida Statutes Section 501, which prohibits deceptive and unfair trade practices. Holding funds without justification and failing to provide a timely refund violates consumer protection laws.

This situation is further substantiated by communication from my insurance agent, who confirmed in writing that the duplicate payment error originated with Mr. Cooper. This evidence, along with documentation in the escrow statement and notes on the case, clearly demonstrates your obligation to refund the amount in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation