vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is my Second Complaint against Wells Fargo Mortgage Department : Background : My home insurance Break ( XXXX ). 
My home insurance was with XXXX ( Auto renewal policy ). However, XXXX has not renewed my home insurance because it wanted me to add auto insurance with home insurance for renewal ( an absurd policy of XXXX ). Since I was away from home, I haven't received prior notifications from XXXX, so I could not organise insurance elsewhere and the home insurance eventually got lapsed. 
Wells Fargo notified the lapse to me lately on XX/XX/XXXX via email ( 24 days later ), so I immediately started taking quotes and organised the insurance. It took a couple more days, as the insurance company required a drive- by inspection prior to confirmation of the policy and eventually it all set up from XX/XX/XXXX. I sent the policy pages to Wells Fargo immediately, so also the insurer. 
However, Wells Fargo insisted me to get coverage for the lapsed period. I have contacted the previous insurer, but they refused to do so. I was helpless to get coverage for lapsed period elsewhere and I notified it to the mortgage company. However, it enforced XXXX XXXX  for the lapsed period and charged me {$310.00}. I dont see any logic for such an action. 
I have also asked Wells Fargo to provide me the policy page and insurance details, but they have not provided my any such documents or receipt. 
I suspect Wells Fargo has a great deal of associate business with other insurance companies whether it is for home insurance/PMI insurance and charge the customers unlawfully. I request your intervention and check if the Banks policy is in violation of the State and Federal Laws. 




Email sent to Wells Fargo on XX/XX/year> : Hi With reference to your letter dated XX/XX/year>. 
I have contacted the previous insurer ( XXXX ) to get coverage for the lapse period, but they are not willing to accept it, as they want a multi policy to get home coverage ( email copy attached ). This is a very ridiculous situation and a corrupt industry standard. I am so frustrated. 
Had you reminded me a bit earlier than XX/XX/XXXX ideally within a few days after the lapse, I could have secured the insurance in a timely manner. I didn't realise that it was lapsed until I got your email notification. 
If you want to penalise me for the lapse, please feel free to do so. 
Regards 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 2024-11-09 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: Experian Information Solutions Inc.
State: AZ

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.

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 explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX  Was self a fraud file and told to review fraudulent card that was opened under consumer. XXXX refused to investigate issue even while card has already been removed from XXXX for fraud. XXXX refused to investigate issue and continued reporting false data, XXXX did not ask questions or review fraud report and instead ignored consumer in emails and continued reporting false data. Attached you will see the address and file XXXX has continuously reported and see that does not match current past address yet XXXX ignored consumers complains and contained reported data

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
My credit report is showing I have a vehicle loan that's not been paid on. I don't have a vehicle loan through anyone my vehicles are paid for and have been for more then 5 yrs.

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 2024-11-09 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: GA

Complaint narrative:
I am reporting inaccurate and incomplete information regarding several XXXX XXXX XXXX on my credit report. The Department of EducationXXXX XXXX were closed and transferred in XX/XX/XXXX, yet they lack essential details such as payment history, last payment received, and specific servicer information. 

These accounts were reported with only basic details ( open date, original balance, and account type ), but crucial information is missing. Despite my previous dispute with the credit bureaus on XX/XX/XXXX, they were marked as verified without providing the missing details necessary for complete reporting. 

Under the Fair Credit Reporting Act ( FCRA ), credit information should be accurate, complete, and verifiable. I am requesting that these accounts be properly verified with all necessary information or removed from my credit report if verification can not be provided. The credit bureaus should have removed these accounts if they could not verify them fully. 

I am seeking assistance from the CFPB to ensure that the credit reporting agencies and the original creditor comply with FCRA regulations by either providing complete information or removing the accounts entirely. ''

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 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX determination letter according to 1022.142 ( b ) ( 6 )

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 2024-11-09 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: OK

Complaint narrative:
Request a copy of my credit report and accounts wasnt mine so I reached out to my bank and had them to freeze all my accounts until further review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: OK

Complaint narrative:
Request a copy of my credit report and accounts wasnt mine so I reached out to my bank and had them to freeze all my accounts until further review

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 2024-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I used the atm at fifth third bank during business hours on XX/XX/year> and attempted to deposit {$940.00} cash in the atm located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The machine said it would not accept any of the bills and flashed red. I spoke with bank staff and lodged a dispute. They could not find a resolution or a tech to rectify the situation. They claimed they will not release the money until the investigation is complete which will be 8 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
XXXX XXXX, XXXX D.O.B, this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 info consists of credit card and installment account opened at XXXX XXXX  on XX/XX/year> acct XXXX, XXXX XXXX opened on XXXX acct XXXX, XXXX XXXX XXXX opened on XXXX acct XXXX. These accounts have resulted in several fraudulent late payments appearing on my consumer FICO credit report. I demand that these items be removed from my consumer credit reports and that all related to said items cease pursuant to my rights within the FCRA and FDCPA law. These aforementioned accounts were not initiated by me they were a result of identity theft and fraud. I have attached a copy of a FTC identity Theft Criminal Complaint FTC Report Number XXXX as proof from the US Federal Trade Commission that all information in this report is accurate. My information was found in the 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 2024-11-09 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: Synovus Bank
State: TN

Complaint narrative:
First Progress Card, is yet to respond to my letter dated XXXX XXXX. Certified mail # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
XXXX XXXX, XXXX D.O.B, this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 info consists of credit card and installment account opened at XXXX XXXX on XX/XX/year> acct XXXX, XXXX XXXX opened on XXXX acct XXXX, XXXX XXXX XXXX opened on XXXX acct XXXX. These accounts have resulted in several fraudulent late payments appearing on my consumer FICO credit report. I demand that these items be removed from my consumer credit reports and that all related to said items cease pursuant to my rights within the FCRA and FDCPA law. These aforementioned accounts were not initiated by me they were a result of identity theft and fraud. I have attached a copy of a FTC identity Theft Criminal Complaint FTC Report Number XXXX as proof from the US Federal Trade Commission that all information in this report is accurate. My information was found in the XXXX Data Breach.

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 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I mailed the Verification of debt on the first date and then the validation of debt on the second date to LVNV FUNDING LLC This is a third-party debt collector who I do not have a signed contract with and I have not provided my information to this company. I have also sent letters to the 3 major credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased furniture from XXXX 's and started a credit account with them at Synchrony Bank to finance the purchase. The contract I signed stated that the interest rate was 0.00 % if all payments were made on time. 

I began making timely payments on XXXX XXXX in amounts equal to the minimum payment due to pay off the obligation within the contractual time frame. The problem began with the statement dated XX/XX/year> where the bank charged a paper statement fee of {$1.00}. I phoned the bank on or about XX/XX/year> and had the fee reversed with the promise that paper statements would continue without the fee. 

The next month 's statement dated XX/XX/year> showed the reversal of the {$1.00} paper statement fee, but the bank charged a late payment fee of {$30.00} and a minimum interest charge of {$2.00}. I phoned the bank again on XX/XX/year>, and after a lengthy conversation the bank agreed to reverse the late payment and interest fees. 

The next month 's statement dated XX/XX/year> showed the reversal of the XXXX fees, but the bank again charged a late payment fee of {$41.00} and an interest charge of {$2.00}. At this point I wrote a letter to the bank via their billing inquiry department, explaining the situation and asking that the fees be reversed. A response was received, dated XX/XX/year>, telling me their were unable to fulfill my request. 

After that, I received the XX/XX/year> statement, again charging a late fee of {$41.00} and {$2.00} interest. 

Again, I have made every contractually obligated payment, in full and on time, and I believe the bank is engaged in a predatory lending practice to charge fees and interest.

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 2024-11-09 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: IN

Complaint narrative:
I sent an attachment, and it looks like they never opened the attachment. They claimed it was a duplicate complaint. They need to open the attached document which is a Demand for Removal of Collection Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NH

Complaint narrative:
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. 

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XX/XX/year> under the XXXX account and 1 Hard Inquiry from XXXX XXXX XXXX. These accounts have resulted in fraudulent charge-offs, hard inquiries, and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request the accounts be removed within 4 days of receipt in accordance with the law. 


These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/year>, XXXX XXXX, Georgia ( ZIP code XXXX ), was declared a major disaster area by the United States federal government and FEMA. The extensive flooding from hurricanes Debby and Helene caused severe damage, including flooding in my home and other homes in our community, leaving us without power and access to essential resources, especially communication, for weeks. Once I was able to begin re-establishing stability, I reached out to FEMA for immediate housing assistance, as our home had been flooded with XXXX feet of water and had suffered structural damage from a fallen tree. FEMA promptly assisted with temporary housing, after which I was advised to contact the SBA for rebuilding loans. However, when I applied, the SBA informed me that I could not be approved due to recent delinquent reports on my credit file. 

Upon further investigation, I discovered that XXXX XXXX had reported late payments on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both of these accounts were enrolled in the Credit Protection program, which should have covered payments during natural disasters, as I pay a percentage fee for this service. Once I could reach Credit Protection, they settled all balances. I then contacted XXXX XXXX, provided them with payment reference numbers, and requested the removal of the late payment reports due to the hurricane impacts and Credit Protections subsequent coverage. The representative assured me that I had been enrolled in a program to reduce my APR and that she would submit a request to remove the reported late payments. 

A few weeks later, I received a letter from XXXX stating they would not remove the late payments, as they believed the reporting was accurate.

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