vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
After reviewing my credit report, I saw that my rights as a consumer has been violated. According to the FCRA, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States " the term consumer report doesn't include any report containing information solely as to transactions or experience between the consumer and the person making the report. " Late payments are a form of transactions according to the credit laws. All bureaus, Transunion, XXXX and XXXX is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. " I never gave any of the consumer reporting agencies written permission or instructions to report any inaccuracies let alone these late payments. Also according to 15 USC 1681 602 Congressional findings and statement of purpose states " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. " It also states " the banking system is dependent on fair and accurate credit reporting. '' Reporting inaccurate information on a consumer reports directly impairs the efficiency of the banking system. Nothing about the reporting of these late payments are accurate and I have never received sufficient proof that they are accurate and my privacy has been violated due to the consumer reporting agencies violating my consumer rights by allowing these inaccuracies to be reported on my credit reports. I am requesting that you do the right thing and delete this information from my 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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Venmo froze my account for no reason they claimed that they needed to verify my identity which had already been verified. Five days later I was still dealing with the problem, and then they decided to close my account out of nowhere for no reason. My wife and I are staying in a hotel and lost our place to stay and all of our belongings and are literally on the street. A part of their user agreement is that even when the count is frozen we should be able to transfer our money to a bank account not only did they not allow me to transfer the funds to the bank account that I already had connected they didnt allow me to connect the new one. I called them about 10 different times explaining to them that my ID was already approved and when they finally put me through to a manager, the things that he says leads me to believe that he pushed for my account to be closed it off spitefully. Now that they close my account they are telling me I have to wait 180 days to receive my funds. Im homeless now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I had a merchant account with Elavon Inc, my account was closed unexpectedly and without warning, leaving my company unable to pay for services and my employee 's salaries. There was no warning or evident reason for Elavon to freeze and then close my account. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, was very unattentive to my needs and rather cold, I didn't even receive a phone call from her explaining why my account was locked and subsequently closed, even though she said she would call me about the resolution. Elavon has failed to provide a resolution and they seem to not care to resolve this issue with me. Also, Elavon withdrew prior deposits from my bank account leaving me in a serious debt, when my customers have paid and received their services, but my payment ended being stolen by Elavon. They say they will hold my monies for 120 days in an impersonal template email I received from their automated system, There is no reason to hold my funds and I want them NOW!

Elavon , Inc has stolen {$5200.00} from me and I want it back immediately, there is no lawful reason for them to have withdrawn money from my bank account and to withhold my {$5200.00}. They can not provide a reason for them keeping my money, my customers paid for their services and received them and I'm the one that doesn't get paid, plus my employees have to go without their pay?! This is unnaceptable!

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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Wells Fargo charged me wrong fees

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 2023-02-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
Based on my Escrow Balance Tab on the online account page, Mr Cooper paid my annual XXXX  Insurance bill in full XXXX  times : once in XX/XX/XXXX {$XXXX}, again on XX/XX/XXXX {$XXXX} and a XXXX  time on XX/XX/XXXX {$XXXX}. Debiting my XXXX account XXXX  times for XXXX bill, in total they have disbursed {$XXXX} from my account for a bill that was initially {$XXXX}. 

I was first alerted to the problem from a letter on XX/XX/XXXX sent by my XXXX XXXX company XXXX XXXX XXXX XXXX XXXX advising they had not been paid the annual premium. When I reached out to my insurance agent she confirmed. I reached out to Mr Cooper, my home loan servicer. They said they had sent a check on XX/XX/XXXX. When I investigated the address as it was not the one on my bill, I discovered it was a company with a similar name that handles properties in the XXXX XXXX XXXX, we are in Hawaii. I have no idea how they found this address. 

They sent another check to the address my insurance agent and I provided via a conference call on XX/XX/XXXX. Our Insurance was reinstated XX/XX/XXXX. 

I went online to review today and per my online Escrow Account Balance, they sent a XXXX check for {$XXXX} on XX/XX/XXXX Since this error was Mr Coopers XXXX, I would like the funds, {$XXXX} returned to my escrow account in full immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
It looks like OPPORTUN BANK has requested my credit file via a hard inquiry three times in the past 18 months without my knowledge, permission or approval. 

On XX/XX/XXXX OPPORTUN BANK requested my credit file without my knowledge, permission or approval of a hard inquiry. 

On XX/XX/XXXX, I was sent a letter from OPPORTUN BANK Credit Department stating " a request has been made to the credit reporting agencies to remove the inquiry on XX/XX/XXXX from your credit report '' however, the fraudulent request is still on my credit report today two years later on XX/XX/XXXX. 

This is lazy, irresponsible, fraudulent, and dishonest banking. I have never done business with OPPORTUN BANK and any related agency related to this specific credit request for a credit card on XX/XX/XXXX does not have a permissible purpose for requesting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I never received the information regarding the Wells Fargo claim. Especially in regards to the overdraft fees.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These account information on my credit report is incorrect, The loan amount is inaccurate, delete immediately. 

XXXX XXXX XXXX - {$4000.00} find attached a letter form the furnisher on the amount owed and check your reporting for confirmation. in the letter it says the alleged debt was {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These account information on my credit report is incorrect, The loan amount is inaccurate, delete immediately. 

XXXX XXXX XXXX - {$4000.00} find attached a letter form the furnisher on the amount owed and check your reporting for confirmation. in the letter it says the alleged debt was {$4000.00}.

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 explanation
Consumer complaint received 2023-02-01 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: GA

Complaint narrative:
In accordance with FCRA ( fair credit reporting act ) XXXX Account # XXXX, has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with FCRA ( fair credit reporting act ) XXXX Account # XXXX, has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fraudulent activity. Stolen funds. Capital did absolutely nothing to solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened a HELOC Account with Suntrust Bank in the amount of {$36000.00}. I used {$31000.00} dollars of that money and left the remaining {$5000.00} in the account. 

On XX/XX/XXXX, I requested the additional {$5000.00} from Suntrust Bank and it was granted. 

The problem is all payments on the {$5000.00} account goes to interest only, although the loans were set for principal and interest applications. I have made all efforts on the phone, by mail, and in person at local branches to correct and resolve this issue. As of today 's date, XX/XX/XXXX, they refuse to make the necessary corrections to apply the payments correctly to and bring the loan balance down. 

First Account in the amount of {$36000.00}, error is made on XX/XX/XXXX, the payment was applied to interest only and on XX/XX/XXXX the payment was applied to principal only Second Account in the amount of {$5000.00}, errors are made from XX/XX/XXXX thru XX/XX/XXXX by applying all my payments to interest only I would like for Truist Bank to make corrections on both accounts and in writing to please provide an explanation and action taking. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My loan was transferred to Right Path Loan Servicing on XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX. I was in a covid forbearance status when the loan was transferred. I am successor interest on the loan. I am on the deed and was from the day of purchase. I have been making monthly payments as scheduled. I have filled out the mortgage assistance application twice. The first time it was declined because they said it expired. I started the process again in XXXX as requested. They gave me a three month trial period to start in XXXX XXXX XXXXXXXX. Today I received a phone call stating it is declined due to I am not on the mortgage. XXXX XXXX tells me I am approved for a short sale! Wow on my primary home, that along representative 's have been telling me all is in place. Not to worry. Well now per there request I was told not to make a payment until XX/XX/XXXX. So not payment has been made XXXX and XXXX putting the loan further behind. XXXX XXXX advised me to reapply!?!?! Reapply on something that will not be approved because I am not on the mortgage?????? That would be wasting time with no results. I need an answer and direction on how to get the situation resolved on my primary home. They are XXXX XXXX with people 's homes with no hesitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CONTRACT RESOLVE GROUP LLC
State: TX

Complaint narrative:
XXXX XXXX with Contract Resolve Group has contacted me several times via telephone and email after I requested that he only contact me via XXXX mail. He also called my elderly mother on her cell phone, disclosing the details of my debt and saying he would turn me into the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE Financial Services , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has contacted me repeatedly concerning a debt owed to XXXX XXXX XXXX XXXX. I attempted to have them validate my debt and they have ignored all correspondence. 

XXXX XXXX XXXX XXXX billed me for an emergency medical visit by a doctor. I was never treated by the doctor. I requested medical records and they immediately sent the debt to collections. There is another business currently at the address they list. They have sent me several billing letters and the name of the doctor changes from letter to letter. 

I have multiple times asked CMRE to validate the debt and to give me some information that would indicate that XXXX XXXX XXXX XXXX is not a scam. They have ignored every letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo XXXX  my checking accounts, mortgages and auto loans, with some of the misconduct happening as recently as this year. XXXX XXXX XXXX. I have been a Wells Fargo customer and account holder for over XXXX  years.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These account information on my credit report is incorrect, The loan amount is inaccurate, delete immediately. 

XXXX XXXX XXXX - {$4000.00} find attached a letter form the furnisher on the amount owed and check your reporting for confirmation. in the letter it says the alleged debt was {$4000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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:
Since XX/XX/XXXX I have requested to opt out of reporting per 15 USC 6802 which was sent to XXXX, XXXX and Transunion. I sent these documents registered, Certified and express mail. Second notices were sent in XXXX then contract Demand letter sent on XX/XX/XXXX. All credit bureaus are in violation of 15 USC 6802, The privacy act of 1974, 5 USC 522A, 34 cfr 99, 20 USC 1232 G ( per previous student loans that were paid in full reporting ), 15 USC 1681 etc. All credit bureaus have no respect for the law or my rights and has been in violation for many months. The have failed to validate all debt report. provide contracts or documentation requested, respond and pay for reporting per my demand notice, Purge all accounts from my report Except for XXXX  account. There is proof that my letters, Request and demands have been received and the credit reporting agencies are ignoring my demands and rights as a consumer.

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 2023-02-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Since XX/XX/XXXX I have requested to opt out of reporting per 15 USC 6802 which was sent to XXXX, Experian and XXXX. I sent these documents registered, Certified and express mail. Second notices were sent in XXXX then contract Demand letter sent on XX/XX/XXXX. All credit bureaus are in violation of 15 USC 6802, The privacy act of 1974, 5 USC 522A, 34 cfr 99, 20 USC 1232 G ( per previous student loans that were paid in full reporting ), 15 USC 1681 etc. All credit bureaus have no respect for the law or my rights and has been in violation for many months. The have failed to validate all debt report. provide contracts or documentation requested, respond and pay for reporting per my demand notice, Purge all accounts from my report Except for XXXX  account. There is proof that my letters, Request and demands have been received and the credit reporting agencies are ignoring my demands and rights as a consumer.

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 2023-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
While I had my Mortgage with Wells Fargo I was incorrectly charged fees.

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