vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I canceled my credit card, after that I have a refund that XXXX  made me to receive on this canceled card and a dispute that the bank owes me a deposit 5 months ago. I contacted them several times and I go to the bank branch to try to resolve this and they never gave me a solution to receive this amount. Because I canceled my credit card, it does not make this deposit to my account.My first complaint after 3 months they sent me a letter saying they would deposit the due amount in my account but they never did that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. 

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 - These accounts are inaccurate. The days late is inaccurate. Transunion is reporting different information than XXXX and XXXX. Since credit reporting agencies must correct or delete inaccurate, incomplete or unverifiable information, Transunion SHOULD NOT have different information than the other two credit reporting agencies. They said they have verified these accounts as accurate, so how is it that they have actually verified these accounts if they are still inaccurate? 
Furthermore, I have repeatedly asked for information regarding how they have verified my account and who they spoke to in order to obtain accurate verification. TransUnion has failed to respond.

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 2023-04-13 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: GA

Complaint narrative:
Once again the Fraudulent accounts are hindering my everyday life. 
The accounts are ..... 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
XXXX ) On XXXX XX/XX/XXXX the lender took {$5500.00} from my escrow account and had the description as County Taxes. 

XXXX ) I didn't notice the discrepancy until XX/XX/XXXX when I was checking on my property 's tax balance and found out that the actual tax amount was only {$1000.00} and that it is actually still unpaid. 

XXXX ) I followed up immediately with the lender and after many email and call exchanges, I started getting responses that they confirmed with the county and county confirmed they paid it and it will update in a week or so. 

XXXX ) In a week or so I check and nothing is updated. I call the county and they confirm there has been no communication from my lender regarding my property. 

XXXX ) Realizing that I have consumed all reasonable routes with the lender and that if they do not fix it, the property tax will start accumulating interest and ultimately hurt my credit, I gave the lender a deadline. I gave the lender a final chance to do the right thing and pay the taxes or I will escalate and report them for financial fraud investigations. 

XXXX ) On XX/XX/XXXX the lender paid the due taxes plus the accumulated interest for a total of {$1000.00} which I confirmed on the county records that they received the payment on XX/XX/XXXX. However, the lender still did not refund the {$5500.00} they took from my escrow account on XX/XX/XXXX. 

XXXX ) I gave them sometime to adjust records and such and on XX/XX/XXXX, I following up again confirming that now I see my property taxes have been paid ( and they charged me another withdrawal for it from Escrow ) and asking them to make sure they refund the amount that they mistakenly withdrew earlier on XX/XX/XXXX from my account. 

XXXX ) On XX/XX/XXXX the lender responds to my message saying that my account is now short in the amount of {$5500.00} ( which they have wrongfully withdrawn from my account and do not know where they spent it ), and that I have insufficient funds to male all the necessary payments for property taxes and insurance. 

XXXX ) I followed up again on XX/XX/XXXX explaining the issue and again asking them to take care of it before XX/XX/XXXX or I will have to report them for financial fraud. 

XXXX ) On XXXX XX/XX/XXXX I received a message from the lender apologizing for the inconvenience and asking me to check back again on XX/XX/XXXX. 

Now it is XX/XX/XXXX, and I still have {$5500.00} that the lender took by mistake from my escrow account on XX/XX/XXXX and they are not showing any concern or real steps to refund it to date. 

Your help is highly appreciated,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Someone opened online accounts at XXXX and XXXX Credit Bureau 's using my information. They changed my address and phone number in an attempt to gain credit. Six different " hard inquires '' were submitted to my credit report on XX/XX/XXXX & XXXX 2023. None of them were from me requesting new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 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: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
Someone opened online accounts at XXXX and XXXX Credit Bureau 's using my information. They changed my address and phone number in an attempt to gain credit. Six different " hard inquires '' were submitted to my credit report on XX/XX/XXXX & XXXX 2023. None of them were from me requesting new credit.

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 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
An unsigned check # XXXX in the amount of {$9100.00} was cashed on XXXX XXXX. 

I caught the mistake in XX/XX/XXXX and contacted Etrade. They originally did not agree to help me but eventually transferred the fund into my account on XX/XX/XXXX after I escalated the case. 

However, they transferred the fund out of my account on XX/XX/XXXX and are not cooperating with me to reach a satisfactory outcome. ( The agent I spoke with on the phone said he would call me back with an investigation outcome. However, a few days after we spoke, I noticed a note on my account stating that the investigation is complete and I received no phone call. ) XX/XX/XXXX - unsigned check ( {$9100.00} ) cashed. 
XX/XX/XXXX- Etrade transferred {$9100.00} back into my account after my call alerting them of the situation. 
XX/XX/XXXX- Etrade transferred {$9100.00} out of my account. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX I wrote two letters. One to Kimball, Tirey. The other to XXXX XXXX. I asked both companies to prove I owe the debt, and prove that they own it. Neither has complied, and they're still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: VA

Complaint narrative:
I XXXX XXXXi bought XXXX XXXX XXXX ACCOUNT NUMBER XXXX I TOTAL LOST MY CAR IN XX/XX/XXXX MY INSURANCE COMPANY TRIED PAID PAY OFF {$13000.00} AND THEY SAID NO WE NEED MARKET VALUE FOR THE CAR WHICH IS {$19000.00} and this never been disclose to me i never recive my contract because the delver the car to in 10 times attempscalling vw creidt and they send me one part contract is one millimeter and you can not read and get bigger exposure by XXXX machine state attorney general designed to protect virginia consumer and not bow to scam artist airbag and diesel law suit please i need answer and i am going to send this to us attorney general i think you have close down vw creidt in state va thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: WI

Complaint narrative:
I have reached out to Transunion LLC multiple times going back to 2021. I never gave Transunion LLC consent to create a consumer credit report on my trade name which is XXXX XXXX which is my copyrighted property. I asked Transunion LLC to remove fraudulent items in which they did about 2 to 3 months ago and now the items are back on my consumer credit report tht I did not give Transunion LLC consent to create. This is defamation to my character and they have committed identity theft. I will be getting a criminal complaint from the police. The people who I spoke to about these matters are XXXX XXXX, XXXX XXXX which are suppose to be supervisors. I sent in the information tht I was already preapproved thru XXXX XXXX XXXX XXXX and did not give XXXX XXXX consent to look for other lenders seeing tht I already had XXXX XXXX XXXX XXXX XXXX I have reach out tXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX in the information from XXXX  XXXX XXXX XXXX XXXX XXXX them tht I did not need any further inquiries from anybody because I had already made my mind up to go with XXXX XXXX XXXX XXXX XXXX There are 2 more fraudulent items on tht report tht I NEVER gave Transunion LLC consent to create and they are from collections XXXX, XXXX XXXX XXXX. I have never done business with these people and I sure did not give them consent to buy the debt tht are trying to report fraudulently either!! Like I said this is Defamation, Fraud, identity theft. The file number is 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 2023-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is about Wells Fargo trying to, in effect, steal {$5000.00} from me. On XX/XX/, I initiated a transfer of {$5000.00} from my checking account into my wife 's Wells Fargo Checking account. On the same day, my wife closed her Wells Fargo Checking account, and was issued a check for those funds at a bank branch. That check did NOT include the $ XXXX from the transfer I initiated on XX/XX/XXXX. However, the transfer was processed by my bank and the $ XXXX was deducted from my account. If we had not been paying close attention and caught this on our own, Wells Fargo would have kept that money, rather than issuing a refund or cancellation of the $ XXXX transfer, which is what they should have done. The transaction could not be completed because the XXXX  account was closed, so the transaction should have never went through. But the transaction did complete and the $ XXXX disappeared, as far as we're concerned. My wife had to reach out to Wells Fargo customer service to try to resolve this issue -- Wells Fargo claims they are " investigating '' but we haven't received a resolution. I'm raising this complaint because I worry that other Wells Fargo customers may experience similar situations where transferred funds disappear, or don't go where they are supposed to. It should not be incumbent upon the customer to verify that bank transfers are completed properly.

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 2023-04-13 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALL BEING REPORTED TO MY CREDIT REPORT WITHOUT WRITTEN CONSENT, SPOKE with XXXX from XXXX, was unable XXXX help XXXX these reports. According to 15 USC 16816 this is considered identity theft, and Id like for them all to be removed immediately..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
To Whom It May Concern at CFPB, Since XXXX, I have held a mortgage with Arvest Bank for my home. As part of their service, they handle property tax payments through an escrow account. However, in XXXX, they neglected to pay the county tax, which is currently accumulating penalties. Despite my attempts to contact them for assistance, they have not taken any action to rectify the situation and pay the outstanding tax. 

I appreciate any help you can provide in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX  XXXX charged us twice for the same security equipment and erroneously provided statements with different due dates. We called and alerted them to this error and they changed the balance due to XXXX but still reported us late even though we were never late. When we called to complain it seems they closed the account with no explanation but did not remove the information about the false late payment. I have disputed this with the 3 credit bureaus without success. You can also see this is happening with this company as it pertains to other customers as well. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for and received a credit card from Bank of America. I never used the card. Now they keep sending paying other creditors for balance transfers I never requested because the creditors they are sending the transfers to had already been paid off and I had a XXXX balance with the creditors. Despite several calls and that I have documented proff that the creditors being paid with the transfers were already paid off ( I have provided dates, check numbers, transaction numbers to show I did not have a balance with the creditors so the transfer were unnecessary and never requested, they keep saying that I might be liable for the transfers and also the transfer fees. I now have credit balances with the creditors they sent the transfer payments to which shows that I did not owe the funds and would not have need to request the transfers but they still say I may be liable for the transfer plus the fees. I even called them when I was alerted via email that the transfers had been requested and were in the pending stage and told them that I never requested the transfers and gave them proof the funds were not owed but they refused to cancel the transactions when they were in the pending stage and now seem to wan to charge me for the transfer fees and the transfers. I have uploaded my proof that the accounts had a XXXX balance and did not need a balance transfer. 

Respectfully, 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 2023-04-13 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: NJ

Complaint narrative:
I sent a dispute to the credit bureau asking them to investigate several items. They did not do this investigation. The first was XXXX XXXX ending in XXXX. This account was not late in XXXX of 2023. 

The second was XXXX. This account was settled in full and the creditor agreed to remove it from my bureau. This account number ends in XXXX The third was XXXX XXXX This was also settled in full and was supposed to be removed.

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 2023-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was a victim of identity theft back in XXXX. In the process of becoming a victim of XXXX XXXX I had to get a protection order and move within XXXX hrs to a private XXXX  XXXX shelter for abused women with my children out of state in XXXX Georgia. In that process my identity was stolen with a lot of my belongings. 

I did not realize this until later. I believe I had a police report from one state when I reach out for it that police station was not able to pull everything but they were able to help me with record numbers, I then needed a detective to get those records. 

XXXX XX/XX/XXXX I was served Court documents to show up at court. I called to confirm that I would be there with my attorney and my documents and the date was for XX/XX/XXXX Once I was here in Georgia my identity was stolen as well & I have police records for that. I went to court on XX/XX/XXXX for my Civil Case with XXXX XXXX XXXX, XXXX with the Magistrate Court of XXXX XXXX State of Georgia to plea my case and it was dismissed. 
Now on XX/XX/XXXX they have again re-opened this case under XXXX XXXX XXXX XXXX on my credit report in that same amount of : {$1600.00} which is the judgement amount I was dismissed for without prejudice and I have a copy of this judgment from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Eastern Revenue, Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Good Evening in accordance with the Fair Trade Act, the account ; Ally Financial : XXXX - has violated my federally protected 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 : Also states a consumer reporting agency can not furnish my account without my written instructions.

! 5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
ARS wont allow me to get a copy of my consumer report. I have a right to see what they are reporting on me. They are giving me error messages. They will not allow me to freeze my report either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
I disputed discover bank online with XXXX for amount of XXXX it came back verified I called XXXX again ask them again to to dispute information thoroughly because I talked to discover bank they told me that the debt is owned by someone else and being that that card was a secured card with limit of XXXX dollars it was taken for that deposit so I dont owe XXXX under code 15 usc 1681 ( 2 ) inaccurate information I would like for it to be deleted immediately please

Company response to consumer: Closed with explanation