vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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:
I XXXX XXXX : I hereby submit a formal complaint against XXXX AND XXXX XXXX for XXXX XXXX AND XXXX XXXX FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : XXXX  AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : XXXX AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX XXXX AND XXXX XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX  AND XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX AND XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience MY CREDIT BECAUSE THEY ARE REPORTING NEGATIVE ACCOUNTS THAT ARE NOT MINES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: Security Credit Services, LLC
State: CA

Complaint narrative:
i have disputed this account as identity theft and the results came back as verified when it shouldnt have ive filed multiple complaints against this company and my credit has been damaged as a result

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: VA

Complaint narrative:
XXXX XXXX was paid {$6.00}, {$400.00}, and {$370.00}. The 'remit to " address changed XXXX XXXX XXXX between the {$6.00} invoice due XX/XX/2023 and the {$770.00} invoice due XX/XX/2023. However, the account number remained the same for XXXX XXXX # XXXX. I am attaching the cover letter and proof all amounts were paid with cancelled checks that were endorsed by the company. I filled a dispute with XXXX on XX/XX/2023 to prove the {$770.00} was fully paid with two checks {$400.00} deposited XX/XX/2023 and {$370.00} deposited XX/XX/2023. I use their website XXXX submission portal and attached all supporting documents that I am also attaching to this complaint. I heard nothing from this dispute and assumed they completed the research and applied the payments properly to fully pay the invoice. 
On XX/XX/2023, I received a collection notice from Paragon Revenue Group ( likely a 2nd placement collection agency for the original debt paid to XXXX XXXX ). The invoice was for the same {$770.00} also included in the attachment file. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Remove all Fraudulent Accounts Immediately

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 2023-11-09 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: TX

Complaint narrative:
On XX/XX/2023 I mailed out a credit dispute asking that XXXX and Experian verify accounts that are reflecting on my credit report and confirm that every piece of information is reporting accurately. I mailed out a XXXX  day follow up dispute on XX/XX/2023, it is now XX/XX/2023 and Both Experian and XXXX have failed to respond within XXXX  days

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 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In the early morning of XX/XX/23 my phone and wallet were stolen near the XXXX XXXX in New York. Whoever stole my phone, turned the location services off within XXXX minutes and made multiple apple pay, XXXX and ATM withdrawals. The thief even called Wells Fargo and changed my online banking username and password. That was possible as he had my phone, account number, and online banking access. I called Wells Fargo to block my account and dispute the transactions. I became a victim of stolen funds from my Wells Fargo account and I filed a police complaint with the reference number XXXX. Wells Fargo reimbursed a temporary credit to my account and I thought the dispute had been settled as I had been in constant touch with them and the police. However, this claim was unfairly denied by Wells Fargo. Upon requesting Wells Fargo their comments on this incident, they said that some one had access to my online banking. On my online portal the comment says that, I do not remember making those transactions. Which was clearly not the case. The company failed to take in important facts and have given an unfair resolution to this dispute. I wish to emphasize that I am a victim of a crime, and the unauthorized transactions on my account were entirely beyond my control. Attachment includes the statement of withdrawals and the letter received from Wells Fargo.

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 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: SD

Complaint narrative:
On XX/XX/XXXX I filed a complaint with the CFPB against XXXX XXXXXXXX XXXX XXXX for deceptive practices and converting a purchase agreement into a lease arrangement after the product was paid in full ( CFPB Complaint ID XXXX ). On XX/XX/XXXX the CFPB ordered XXXX XXXX to pay {$36.00} XXXX in penalties and provide relief for tricking consumer and hiding contract terms ( CFPB choice of words from their press release heading ). Docket number XXXX. XXXX consented to this order. In XXXX of XXXX, XXXX sold the alleged debt to XXXXXXXX XXXX XXXXXXXX XXXX. With the assistance of the CFPB I was able to get them to delete the tradeline from my credit reports and received a commitment from them to never resell the debt. ( CFPB Complaint ID XXXX ). However, Vance and Hoffman purchased this debt and refuses to acknowledge the terms of the consent order and all previous CFPB actions. This tradeline remains on my credit file and is resulting in a significant rate bump on my mortgage application due to it lowering my credit score. Over the course of the mortgage term, this rate bump is equal to {$86000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: OLIPHANT FINANCIAL, LLC
State: NY

Complaint narrative:
On XX/XX/23 Oliphant USA , LLC furnished a collections account onto my XXXX credit report. Oliphant failed to contact me regarding the alleged debt before furnishing this information to XXXX. Per Regulation F : 12 CFR 1006.30, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act, information about a debt before the debt collector : i. Speaks to the consumer about the debt in person or by telephone ; or ii. Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. 

Oliphant did neither. They furnished inaccurate and detrimental information to my credit report without contacting me and allowing me to dispute the information or request validation as set forth by the Consumer Financial Protection Bureau. 

XXXX failed to properly investigate this and provide resolution. Instead, XXXX claimed that the account was verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Please refer to attached documentation for details of inaccuracies reporting by Chexsystem and closed bank XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
UPON MY REVIEW OF THE ATTACHED EXHIBIT ( EXHIBIT E ) I REALIZED THAT I NEVER SAW THIS DOCUMENT, NOR DID I SIGN IT. MY SIGNATURE ON THIS DOCUMENT IS A FABRICATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
CFPB online letter XX/XX/XXXX The years since my XXXX XXXX diagnosis and XXXX in XXXX I have lost my career, after which my husband became my primary caregiver. We declared bankruptcy, XXXX the following XXXX, and eventually secured my XXXX federal XXXX benefits this year ( XXXX ). 

As we prepared to sell our home last XXXX ( XXXX ) the head of our church congregation sent a {$700.00} mortgage payment for that month to one of two addresses listed on the bill. He chose the wrong address, and then sent two payments ( {$1400.00} ) on one check the following month ( XX/XX/XXXX ). 

We closed on our home XX/XX/XXXX, paid off the mortage, and moved to XXXX, Mississippi to find more affordable housing, Our latest bid for another home there was accepted last month ( XX/XX/XXXX ). Our closing date was set for XX/XX/XXXX, if I recall correctly. 

On XX/XX/XXXX, and again on XXXX, XXXX XXXX our loan officer called to inform us that he could not proceed with the purchase of our new home ( now still under contract, by the grace of XXXX ) without resolving what was showing my ( XXXX XXXX 's three credit reports as a 30-days late payment from our former lender, Shellpoint Mortgaging Services ( formerly NewRez ). 

Shellpoint asked us to send a letter to resolve the problem. We overnighted that letter the same day ( XX/XX/XXXX ). We have had no word on their decision as yet. We have called at least three times. Anything you can do is appreciated. 

XXXX XXXX XXXX, Formerly XXXX XXXX XXXX until XXXX. 




ID FOR COMPLAINT SENT TO SHELLPOINT MORTGAGE SERVICING XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/2023, I made a purchase online to website XXXX for a cellphone case. The item were sent incorrect type of case. I contacted and emailed the merchant about the wrong item, but no response. Then, I dispute with Golden 1 Credit Union to recover my money, but the bank doesn't do anything about it. The XXXX # XXXX and amount for the case {$80.00}. 

Another XXXX # XXXX for the unauthorized charges from XXXX for the amount of {$6900.00}. I contacted the company and were told the case will be escalated to management. But I have not heard back. I contacted my bank Golden 1 Credit Union about the dispute and were told to call the merchant and workout something. If nothing happens, then get back to us. I have been waiting to get my money ( bank didn't give me a provisional credit ) instead I have to wait until Fed. This is unacceptable. I would like to get assistance from CFPB to help me recover my money the bank doesn't want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: SD

Complaint narrative:
On XX/XX/XXXX I filed a complaint with the CFPB against Tempoe LLC XXXX XXXXXXXX for deceptive practices and converting a purchase agreement into a lease arrangement after the product was paid in full ( CFPB Complaint ID XXXX ). On XX/XX/XXXX the CFPB ordered Tempoe LLC to pay {$36.00} XXXX in penalties and provide relief for tricking consumer and hiding contract terms ( CFPB choice of words from their press release heading ). Docket number XXXX. Tempoe consented to this order. In XXXX of XXXX, Tempoe sold the alleged debt to XXXXXXXX XXXX XXXXXXXX XXXX. With the assistance of the CFPB I was able to get them to delete the tradeline from my credit reports and received a commitment from them to never resell the debt. ( CFPB Complaint ID XXXX ). However, XXXXXXXX XXXX XXXX purchased this debt and refuses to acknowledge the terms of the consent order and all previous CFPB actions. This tradeline remains on my credit file and is resulting in a significant rate bump on my mortgage application due to it lowering my credit score. Over the course of the mortgage term, this rate bump is equal to {$86000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: NJ

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VW Credit
State: MI

Complaint narrative:
I was working with XXXX Volkswagen to purchase a new vehicle. I was waiting for the vehicle to be imported. My intent to purchase changed and I no longer needed a vehicle. The dealership pulled my credit on XX/XX/XXXX without getting authorization. 

I emailed the dealer several times over the course of the year, called and left 2 voicemails, and did not get a response. 

Today I called VW credit to dispute it and report the error and they told me I needed to contact the credit bureaus with a letter to dispute it. 

They should not have been able to pull my credit in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: MD

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress

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 2023-11-09 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: MD

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-09 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: MD

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
Today, XXXX I attempted.to write a check to XXXX XXXX in XXXX, Az. I had cancelled my debit card and a new one is in the mail. I have had the same bank for years and never bounce payments. 
The transaction was declined. I was so humiliated. I thought their has to be a mistake. I had my ID. I called the number that was handed to me. After putting in all these numbers it said fraud indicators. I spike to a rep and verified everything. It did no good. Why do rhey ask for personal information and then tell you that you have no credit with THEM? I didnt even know who they were until this happened. My check was good! They should never ask for personal information when they know it won't help the situation.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-09 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: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

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