vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I need them to stop calling me harrassing me they call me 10 to 15 times everyday including weekends at any time. Please I need this to stop unfortunately I cant make payments I am struggling to stay afloat. i was making payments but I lost my job during covid and right now is making payment to card or paying my rent and putting food on the table for my family. These calls are driving me to desesperation. Please stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now I have not contacted through phone call on any date or During the date before or after XX/XX/2023, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention..

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
This account was supposed to have been closed in XX/XX/XXXX by my ex husband. I never knew of this credit card until we filed divorce in XX/XX/XXXX, at this time I learned there was an account in my name although I never opened this nor even held the credit cards. XXXX XXXX,, my ex husband opened this account and also added himself to this account as a secondary user. Since we were divorcing, he paid all final balances and it was settled and supposed to have been closed after divorce. I called in XX/XX/XXXX when I learned he reopened the account and asked for cards to be mailed to an address I have never lived at. I immediately called and told FNBO we are divorced, NO accounts should be opened in my name, NO cards should be sent out and confirmed there were NO accounts. I was told NO, and tthis was recorded. A few days later, my ex called and said he wanted ANOTHER address on file and asked for cards to be mailed there. The fact that i called and said we were DIVORCED and there should be NO cards in my name was disregarded and cards were mailed out to MY name but not my address, nor was I notified. My ex husband proceeded to use these new cards and I called SEVERAL times to remove myself, had him fill out release of responsibility forms and he even called and stated he wanted to transfer them to his name solely. I went to XXXX XXXX and informed them of this as well. FNBO had me pay a balance of {$670.00} and told me as long as I paid that balance and his account was up to date, that they could file the paperwork to remove me. I have spoken to fraud and several departments and have failed to get myself removed from this fraudelent account. I told the agent XX/XX/XXXX that we were divorced and that I was making sure NO more accounts were opened and I wanted all closed, so there should have NEVER been cards mailed on multiple occasions to my EX husband. I have spent hours upon hours trying to get this resolved since this was fraud yet FNBO refuses to remove me even though they have on recording and paper that he takes responsibility for this account he opened without my knowledge and fraudently.

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 2023-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mnet Financial Inc
State: TX

Complaint narrative:
I had XXXX XXXX on both my feet in XX/XX/2022. At that time I was given an estimate of around {$1700.00} for the hospital and Dr. fees and paid that. Then a few months later I got a bill for {$2400.00} more for some screws, they put in my feet that I was not told about before the XXXX. Apparently the cost for these screws is XXXX and thats the source of the XXXX they want now. I have a pending claim with the no surprises helpdesk through XXXX. According to XXXX the claim is still pending and has been transferred to another department or agency that specializes in this kind of issue. I received a debt collection notice about a week ago, despite the claim still being pending

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 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: AZ

Complaint narrative:
Ive reached out to XXXX several times advising them of the address that XXXX has reported to the collection is not valid the collection agency asked my my current address in Arizona and updated the debt to reflect my home which has no relation to the original debt which is illegal Ive always stated the debt is not mine and four five years this company keeps. Clawing at me. XXXX has removed the debt every time they reattach it to me and it takes 30-45 to cure every time they due it. XXXX how every believes that this practice is legal and valid and its illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had numerous attempts of someone trying to open up credit card under my name. It's happened many times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a payroll check and proceeded to deposit it into my USAA checking account via my mobile banking app. I was then given an error message stating I could not do so and that I needed to deposit my check via ATM. I deposited my check via USAA ATM, and I was given a posting date of the same day if made by XXXX or the following business day if made after XXXX which would have been Monday, XX/XX/XXXX. On XX/XX/XXXX I still did not have access to my funds so I called USAA and the representative stated that my funds would be available on XX/XX/XXXX. On XX/XX/XXXX my funds were still not available, so I called back, and the next representative stated that I would now have to wait until Saturday, XX/XX/XXXX, to access my funds. I wasn't even given a reason as to why my funds are being held over the original posting date, despite USAA receiving and clearing the deposit as of Monday, XX/XX/XXXX. Since I deposited my check, I have received NSF/OD fees on my account due to my funds not being available as promised. Due to the fees that were applied, my account is now in the negative, and I have spoken with 5 USAA representatives, but none have provided a solution or any explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: IN

Complaint narrative:
The credit card company ( Revvi ) was reporting the month of XXXX XXXX  as late on my credit report. After speaking with them about this reporting they reversed the late charge and assured me the reporting would be corrected and suggested I dispute it with experian for faster results on my report. I disputed the reporting with XXXX  and provided documentation showing the reversal for 2 late payments. XXXX gave me an update claiming the merchant ( Revvi ) validated the late payment. I then contacted Revvi and they informed me that they have already reversed the late charges and they no longer have it in their account history as a late payment. I contacted XXXX to inform them of Revvis response and they had me file another dispute with the same documents as the last. It seems neither XXXX or Revvi can make sense of why this late payment report is still showing so I am contacting you all in hopes of a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo closed my personal checking account on XX/XX/22 for reasons they described as a suspected fraudulent activity. Wells Fargo claimed a recent transaction which had been credited to my account was unauthorized and had to close my account as part of its policy. I immediately got into contact with them and tried to explain the situation and why I believed it was not a fraudulent transaction but all my efforts were in vain as they still insisted on closing my account. I was told I would receive a cashiers check in the mail for my remaining balance which was a little over the {$5000.00} at the time. 
I waited for 30 days, called them, and they claimed they were still investigating my account and that it could take up to 60-90 days to be concluded. I waited 60 days, then 90 days and called them again but this time they claimed my funds " were not payable to me ''. I asked to speak to a manager or anybody of higher authority and I was told my funds were not payable to me because there was no trace of a direct deposit to fund the account to prove I worked for the money I have in my account. I tried to explain to them again that I was only an XXXX XXXX and that I was not permitted to work. Therefore I am financially sponsored by my sponsor, family and family relations whom whom usually transact money to my account through XXXX, XXXX XXXX and other means which is why my account is dominantly funded through XXXX and XXXX XXXX transactions but they wouldn't listen. Its been over 21 months and I still haven't received the money I had in my account at the time of closure. To resolve this, I would like my balance of over {$5000.00} to be mailed to my address immediately as initially promised by Wells Fargo bank.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Experian credit score dropped over XXXX points from XXXX to XXXX. It states that I have either a serious delinquency, which I do not, or a derogatory comment. I have my credit report in front of me. It states number of accounts with this is 1. I have no idea what this is? I have an immaculate credit report. 66 pages of extraordinary payments ect. There has to be an error. When I ask them to please tell me what the derogatory comment is, they won't! I'm not sure how to investigate or contact anyone to fix it, not knowing what is going on. I had a XXXX XXXX  and thought it was possible XXXX XXXX. I called them and they said yes something seems off, but I received not response from them. However, Experian said they have settled it, but nothing changed. So I'm not sure if that had anything to do with it or not. It's very concerning, becuase I have had excellent credit for 50 years and for there to be something that I can't even get information on is frustrating. Isn't there a phone number to call that someone can see my credit report and tell me what is on there that is incorrect? 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: CO

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXX Charge-off {$1000.00}

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 2023-10-24 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
This company have no authorization to run my credit. I need to be removed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX and I have an account with West Lake Financial. On XX/XX/, I made a payment of XXXX with my debit card ending in XXXX to Westlake Financial. Westlake financial is stating that on XX/XX/, the money was returned to my bank as a chargeback. I keep calling my bank and they keep saying the payment is successful to Westlake and Westlake is saying that my bank has the money back. Westlake was even included on a 3 way call to the bank where the bank told them the money was not charged back. 

All transactions receive a unique ID number. I keep asking Westlake to provide this number for the chargeback and they keep saying they dont have one. My car was illegally repossessed, and the bank insist that Westlake was successfully paid. 

Someone has this money ; I have never experienced this and from my research Westlake has multiple lawsuits for illegal repos. I am trying to work this out without going that route, but I am not having any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX for {$310.00}. I do not have a contract with XXXX XXXX, and was not provided the original contract as requested. My request to remove this illegitimate account from my credit report has already been honored with by another credit bureau XXXX as of XX/XX/. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: NJ

Complaint narrative:
The company, TRANS UNION LLC, has been notified that the account transaction furnished by XXXX XXXX is a result of identity theft. The company willfully failed to block and permanently delete the account transaction within 4 business days. In the meantime my access to credit is being hindered because of the fraudulent transaction. 

The company has also failed to provide me with any proof that I gave written consent for my nonpublic personal information to be used.

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 2023-10-24 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: Westlake Services, LLC
State: FL

Complaint narrative:
This company didnt have no authorization run my credit never did any business with them. I need this information remove off my carport

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
Roundpoint mortgage bought my loan and became the servicer of my loan on XX/XX/2023. They automatically assumed ACH payments. I requested bi weekly withdraws. for three months they have obfuscated the process and made changes to what was communicated as the " policy '' such that the payments have yet to be withdrawn on a bi weekly basis. Whenever customer service is called there is always a " firewall '' between me, the customer service person and the back office management such that the issue never gets resolved. they have not responded to emails and documents provided although notes on the account during discussion revealed they have been received. They have refused to provide emails or call back numbers to directly resolve issues. 

The delay tactics are purposeful and serve to increase the interest payments they receive while the set up is incomplete.

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 2023-10-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I was charged for credit repair services from Lexington law upfront and monthly and services were not done.

Company response to consumer: Closed with explanation