vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: FinCo Services Inc DBA Current
State: WI

Complaint narrative:
XX/XX/2024 {$450.00} my police report case number is XXXX the bank did a current pay dispute but they aint trying help hey my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: FL

Complaint narrative:
THIS ACCOUNT IS A COMPLETE VIOLATION OF THE NO SURPRISE ACT. DELETE IMMEDIATELY. MY PRIVACY IS PROTECTED UNDER HIPPA LAWS. IF YOU FAIL TO REMOVE, LITIGATION WILL FOLLOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: VA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Starting on XX/XX/XXXX I had fraudulent activity on my debit card. Whoever got ahold of my debit card number drained my entire checking account which amounted to {$5300.00}. When this was happening, Wells Fargo did not notify me by text or any kind of red flag to my account while it was being drained. They did not freeze any charges either. The following charges were : 1 ) XXXX  merchant I believe in XXXX for {$2400.00}. 2 ) Parts shop XXXX XXXX in XXXX, Ca for {$2700.00} 3 ) Money transfer XXXX  {$94.00} 4 ) Money transfer XXXX  {$100.00}. As soon as I noticed the charges, ( XX/XX/XXXX ) I contacted Wells Fargo customer service to let them know that I did not authorize any of these purchases and filed a fraud case with them. They let me know they would investigate the situation and send me a letter with their decision. After a few days I did receive an amount from XXXX for {$2400.00} credited back to my account as well as a partial credit of {$240.00} back from Parts shop XXXX XXXX but that was all. This leaves the amount of {$2400.00} outstanding not credited to my account from them ( XXXX XXXX ) as well as both the XXXX  charges were not credited. That totals {$2600.00} that Wells Fargo has not returned to my account. When I spoke with a rep in the fraud department on XX/XX/XXXX, ( XXXX ) she said that the investigation was concluded and they spoke with XXXX XXXX and they said it was a valid charge. This is untrue. This charge was also entered manually by the merchant, meaning the card was not tapped or inserted. I'm not sure why only {$240.00} of this huge charge was returned, but the whole amount should be. I was told I would receive a phone call in 48 hours from XX/XX/XXXX when I talked to the rep, but I have not received a call. I just received 2 letters saying that I was partially refunded and that was all because my claim was being closed. I am shocked that these charges were allowed to go through and my entire account drained and Wells Fargo has only returned a partial amount of my money. I am so disappointed that this has happened to me as I am a XXXX XXXX XXXX XXXX just trying to save for my first car. I can't believe Wells Fargo has not called me back and has not returned the rest of the money stolen from my account. The fraud report number is XXXX. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: NJ

Complaint narrative:
There is a company that I have never heard of or heard from ( Not by phone, mail or email ) that put a collections on my credit report stating they are collecting for XXXX as of XXXX. I do not have XXXX and have not had XXXX for over 8 years. I have never received any collections from XXXX. This company did not follow the fair credit reporting act. When I disputed it with XXXX they stated they investigated it which was false as there is no documentation of this debt or any communication provided to me. The company is called XXXX XXXX XXXX the amount is {$910.00}. So I would love to know how the account and information of me owing this debt was verified.

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 2024-03-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is a company that I have never heard of or heard from ( Not by phone, mail or email ) that put a collections on my credit report stating they are collecting for XXXX as of XXXX. I do not have XXXX and have not had XXXX for over 8 years. I have never received any collections from XXXX. This company did not follow the fair credit reporting act. When I disputed it with XXXX they stated they investigated it which was false as there is no documentation of this debt or any communication provided to me. The company is called XXXX XXXX XXXX the amount is {$910.00}. So I would love to know how the account and information of me owing this debt was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Misleading account balance

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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I received a new debit card from Frost Bank, which I didn't request nor I have any business with this institution. I called and asked them why I was receiving the debit card and they told me because of a new account. I told them I didn't authorize it and I asked what kind of information was provided to open an account, they matched my information. I asked them what kind of physical identification forms ( ID, DL, etc ) was provided, I was told that the fraud department can helped me, I was transferred to Fraud department but I was only provided with information how to freeze my credit reports. I called them again to confirm if they had closed the account because I received statements, they confirmed that account was closed. They never called back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: CT

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: PA

Complaint narrative:
late payments inaccurate was suppose to be in deferment status. 
XX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF EDXXXX XX/XX/2018 DEPT OF ED/XXXX XX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF ED/XXXX  XX/XX/2018 DEPT OF ED/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
late payments inaccurate was suppose to be in deferment status. 
XX/XX/2018 DEPT OF ED/XXXX XX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF ED/XXXX XX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
In response to XXXX I am requesting OPT OUT of all consumer reporting regarding this account with BMW financial services XXXX ( See attachment ) BMW Bank of North America, needs to obey CFR. 357.13 Obligations of the United States and the Federal Reserve Banks with respect to Book-entry Securities and security interests. 

a ) Who is entitled to deal with an interest in a Book-entry Security that has been credited to a Participant 's Security Account? Except in the case of a security interest in favor of the United States or a Federal Reserve Bank or otherwise as provided in 357.12 ( e ), for the purposes of this subpart B, the United States and the Federal Reserve Banks treat the Participant as exclusively entitled to perform the following functions, even if the Treasury or a Federal Reserve Bank has any information or notice to the contrary 2 ) Book-entry Securities are redeemed according to their terms, a Federal Reserve Bank withdraws the securities from the Participant 's Securities Account in which they are maintained, and either : ( i ) Credits the amount of the Redemption proceeds, including both principal and interest, where applicable, to a Funds Account at the Bank, or ( ii ) Pays such principal and interest as directed by the Participant d ) What does a Participant need to do in connection with the Redemption of a Book-entry Security? No action by the Participant is required.

Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: DE

Complaint narrative:
XXXX XXXX XXXX stated they transferred this tradeline to XXXX XXXX XXXX as of XX/XX/2023 However this tradeline is still on my consumer report as XXXX XXXX XXXX. This is inaccurate false and misleading. IF YOU DO NOT DELETE THIS INACCURATE ACCOUNT I WILL LITIGATE

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 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
We reached out to Roundpoint Mortgage Servicing LLC ( XXXX XXXX XXXX XXXX, NC XXXX ) with three email attempts ( XXXX XXXX, XXXX. XXXX, and XXXX. XXXX ) using their email XXXX to request to remove our Private Mortgage Insurance ( PMI ) since we just reached the threshold loan-to-value ratio of less than or equal to 78 %. ( Please see Exhibits 1-3 in the attachment. ) We did not hear anything from them and we are still waiting for a reply on these emails. 

On XX/XX/XXXX, we called their phone number XXXX to speak to a representative of the company. Unfortunately, we did not reach any resolution from our request to remove our PMI in our mortgage. Our full experience of the call is memorialized through our review of the company ( see Exhibit 4 attachment ) in the XXXX  website ( see full website listed below ). The company representative, without any warning, immediately hang up before we can resolve the issue. We are still awaiting for a proper resolution of our request to remove the PMI in our mortgage as of this writing. 

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 2024-03-18 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: MS

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On my credit report ( XXXX ) for the XXXX main credit agencies, the accounts noted in the enclosure were " charged off ''. According to IRS Publication ( XXXX ), charge-offs are considered income, and income can not be reported on credit reports.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On my credit report ( XXXX ) for the XXXX main credit agencies, the accounts noted in the enclosure were " charged off ''. According to IRS Publication ( s ), charge-offs are considered income, and income can not be reported on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> there was a debt collector added to my credit that is not mine for the amount of {$1200.00}. I have a reference number for identity theft to FTC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Hello - My mortgage was sold to Mr. Cooper in XXXX and based on XXXX Mortgage servicing transfers. I had called in XXXX once i was informed of this change to confirm with the company that I will pay in XXXX per the servicing transfer 60-day rule. The company confirmed that it would be ok. However, i got the attached notice of default from Mr. Cooper. I have also been getting late notices by email with threats of late payment that are also attached.

I also became very concerned about this transfer and how well this company follows the laws given their history of lawsuits when i XXXX  them about unlawful servicing fees and data breaches due to their lack of proper controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXXXXXX XXXX : {$0.00}.

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 2024-03-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
This has been removed from my credit report before when I follow complaint, it keeps coming back after multiple times I keep telling them this is not my account. I do not know what this is. Please remove immediately from my credit report and stop adding it.

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 2024-03-18 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. My Car was burglarized in XXXX XXXX California. All my personal information, and Business Information was stolen. I've had to start all over again. My Experian Business Credit Report have unauthorized fraudulent XXXX 's on the XXXX XXXXXXXX XXXX XXXX credit report attached. All the Fraudulent XXXX 's on the XXXX XXXXXXXX XXXX XXXX, Experian XXXX Credit Report attached are terminated, and issued XXXX 's attached. The Fraudulent XXXX 's on my Experian XXXX credit report are due to Identity Theft.

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