vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
According to the 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. NAME OF ACCOUNT ACCOUNT NUMBER VERIFICATION XXXX XXXX XXXX Validate Account. 
XXXX XXXX  I XXXX Validate Account.

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
In XXXX of 2023 I sent all 3 credit bureaus as well as these creditors XXXX, XXXXXXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a new Truist Simple Business Checking account using promo code XXXX. The code was successfully applied and can be found at offers.truist.com. The promotion terms say : " 1. Make {$1500.00} or more in qualifying deposits into the new business checking account within 30 days of account opening. 2. Enroll and Sign In to Truist Online Banking for Business within 30 days of account opening. '' offers.truist.com shows that I have completed requirement 1 successfully ( see the attached screenshot ). For requirement 2, I have enrolled and signed in to Truist Online Banking for Business on XX/XX/2023, the date on which I opened the Truist Simple Business Checking account at the branch. Please see the attached screenshot from my Truist business checking account showing the online login I have done since account opening. However, there seems to be a systemic error at Truist that did not acknowledge that I had fully fulfilled requirement 2. Hence, Truist did not send me the promotion bonus. Would you please investigate and resolve this issue? Thanks.

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 2023-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
In XX/XX/, Citizens Bank acquired customer accounts from XXXX. By checking, credit card and line of credit accounts were migrated to Citizens Banks. In addition, Citizens Bank covert my line of credit into an overdraft protection account, which is now jointly tied to my checking account, The contact information for these transferred accounts was not correctly handled, and my checking account went past due 30 days with a statement, phone, or email. As a result, this account was charged off. I made a payment to settle the charge-off in XXXX. However, the more significant concern is since my separate line of credit has been tied to the checking account as overdraft protection, I no longer have access to my line of credit or the ability to make payments. There are no local Citizen bank branches in the state of Georgia. Therefore, I can not fulfill charges to the account ; the line credit account I originally had is no longer available. I contacted XXXX, the original owner of these accounts. They provided me copies of the last two statements before my funds were transferred to citizens bankthe statements clearly detail that these two accounts were wholly separate and had different account numbers. In addition, Citizen provided me with a line of credit checkbook, which deposited a check that was returned due to unverified account numbers, that I had to throw away. I need this overdraft account to convert back to the original format of the report I previously owned at XXXX I had for over 17 years, immediately. I provided documentation of previous accounts in question for their review. Citizen Bank has yet to respond to my XXXX  complaint, which has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Wrong personal information on all three 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 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I am writing to request assistance with lender placed insurance. Shellpoint mortgage servicing is the servicing agent for our mortgage lender. As of XX/XX/XXXX, they opened an escrow account, without consent or notification and placed hazard insurance on our account. I have insurance for the condo in question without lapses, but Shellpoint was missing the renewal from the HOA. I did not find out until XX/XX/XXXX that I was being charged for insurance I do not control. Now mind you, this is insurance to cover the entire complex not just my condo. Shellpoint had all the contact information for the HOA and did not contact them directly for this information. 
We sent an email to the HOA on XX/XX/XXXX requesting a certificate of Insurance for the complex and by the afternoon had provided Shellpoint with proof of insurance with no laps in coverage for the HOA. Shellpoint left the hazard insurance in place and continued to charge me. I contacted Shellpoint again on XX/XX/XXXX to get an update and they stated the Certificate of Insurance was only for information purposes and did not include the limits. So, the very same day we got a new certificate of insurance and sent it over. To date my account is still being charged and Shellpoint has made no effort to rectify the situation. 
The fact is Shellpoint neglected to contact any of us. They had my address, cell number, email and contact information for the HOA. They have been provided proof of coverage without lapse on several occasions and neglected to refund the charges. A letter dated XX/XX/XXXX states that they are increasing the cost of the lender placed hazard insurance. This is ludicrous, I can not get Shellpoint to credit my account and in my lender contract it clearly states they can not open an escrow account without the borrowers consent. What even worse is this is not information within my control!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today, I received the attached dispute results from XXXX, dated XX/XX/XXXX, for my TD Bank NA account showing Before Dispute Status ( XX/XX/XXXX ) Open and After Dispute Status ( XX/XX/XXXX ) Open. I voluntarily CLOSED myTD Bank XXXX account on XX/XX/XXXX as clearly and unambiguously stated in the attached two letters of TD Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. How can my account remain inaccurately reported as XXXX after the dispute process if a simple straightforward investigation would certainly require reporting my account as CLOSED at consumers request on XX/XX/XXXX???? Delete my account permanently!!!

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 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was issued a refund check back in XX/XX/XXXX for a vehicle accident that took place, after being put at fault for this accident that I did not because I was told that I was to schedule receive a refund check for a reimbursement to get another vehicle. The check was delivered in XX/XX/XXXX to my previous address, this check was then stolen, and my name was fraudulently forged and misspelled on the back and this check that was cashed in XX/XX/XXXX at a Wells Fargo atm machine, the next day it shows that the funds were approved and released. Who verified the names match the account and released the money before further investigating? 

After filing several complaints, and police reports, and speaking with multiple individuals to get this rectified, I finally received a fraud statement claimant on XX/XX/XXXX, I was told this would take approximately 90 business days before this was settled. 

Today 's date is XX/XX/XXXX, the 90-business day period has now passed, and every time I reach out for an update I am still being told that this is still in " progress '' status. Nobody can tell me anything else or when I should expect my payment from XXXX. I was informed that no response has been given from Wells Fargo to any of the banks in correspondence to get this resolved or if the funds will be recovered.

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX card services account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX account number 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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: NM

Complaint narrative:
The following hard inquiries were made for credit cards without my consent, presumably by identity theft : XX/XX/2023, XXXXXXXX XXXX XXXX  XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear CFPB, I am writing to make an official complaint against Wells Fargo for its discriminatory lending practices against me. I recently applied for a Business Account with Wells Fargo and was denied without explanation. This has caused me to suffer significant financial distress, and I believe my denial was motivated by bias due to my race and ethnicity. 

I am a Latino-American male, who has historically been the subject of discriminatory practices in the banking industry. Part of the reason why I selected Wells Fargo to make this mortgage loan application was that I expected to enjoy a fair and equitable treatment from an institution that has been in the business for so many years. However, I now believe that I was offered different and less favorable terms than what a non-Latino applicant would have been offered. 

I would like to request an investigation into Wells Fargo 's pattern of behavior and treatment related to lending, particularly with Latino American applicants. I personally feel wronged by your organization and expect to receive an apology and clarification as to why I was denied opening a Business Account. 

Thank you for your time and attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/ your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, SSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Wrong personal information on all three credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Wrong personal information on all three 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 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Our mortgage loan is under the name of XXXX XXXX XXXX, who is the father of my two daughters. However, I pay our mortgage to XXXX XXXX XXXX XXXX. Loan structure was only to pay the Property and Interest only. I pay the property tax and home insurance separately on my own. I lost my job in XXXX of XXXX due to Covid 19. I used my savings to continue the payment up until XXXX of XXXX. The loan holder put the account in forbearance due to Covid-19 because he doesn't want to help even up to this point. The loan was transferred to Selene Finance Servicing. When I got hired to another full-time job, I tried to make a payment but Selene would not even entertain my call. I struggled to contact them because most of their customer service reps wouldn't listen to non-holder. Finally, someone told me to provide a signed form from the loan holder. Loan holder wouldn't sign anything. I provided title to Selene to prove that I am the home owner. They required birth certificate of my children to show relationship, which I sent them birth certificates. I was added as a third party successor of interest and it allowed me to submit a loan modification and assumption of loan. Both were denied several times. I provided a copy of my XXXX XXXX statement to let them know that I have money saved un to resume payment. They denied me again and again due to income. I told them that I can rent on of my room out to a friend. They said that I have to make it happen before I apply again. I provided them the rental agreement to show bump on my income. They denied me again. However, two representatives ( XXXX and XXXX XXXX told me to pay the $ XXXX to keep the account current. I asked my friend who is the renter to lend me an advance payment. When I got the the money, I had to wire the payment to a wrong bank information that both Selene representative gave me. So I created an online account and I did the payment using the online account because I was so worried. The online would not go through if I missed checking any box of the months I missed paying. So I checked all of it and paid $ XXXX including the penalty. After getting the payment, they denied my application and said that income is not enough. They took my money and recalculated the loan and told me that my income is not sufficient enough to pay the loan. I feel that SELENE FINANCE is extorting me and just want to get my home. Now, I am not eligible for loan modification and only eligible for deed-in-lieu. I wanted to keep my house and do not want to loose it. I would need help from you or any agency to hear my cry. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
According to the 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. NAME OF ACCOUNT ACCOUNT NUMBER VERIFICATION XXXX XXXXXXXX XXXX Validate Account. 
XXXX XXXX I XXXX Validate Account.

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