vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The XXXX credit bureaus XXXX, XXXX, XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX, XXXX, XXXX  nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: Possible Financial Inc
State: OH

Complaint narrative:
According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXX, equalifax, XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX, XXXX, XXXX  nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MD

Complaint narrative:
On XX/XX/2023 I submitted an application studentaid.gov for the SAVE loan consolidation & also for an IDR plan. Both have been in processing since. The financial loan servicer is EdFinancial and when I call their customer service, I get different answers each time. Some cant find any evidence of my loan others say I have to wait XXXX business days, which is now long past. I can get no traction on this from studentaid.gov because they sent the loan to the servicer & I cant get any traction from Edfinancial as no one there has or can give me an answer as to when my application will be accepted & done. It seems like there is no one anywhere that knows whats going on with my application. This is all very frustrating to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2024 I received an unsolicited email informing me that I needed to finish my account set up, The emails progressed to today 's message stating that I will receiving a debit card in the mail.

*The Banking institution identified in the fine print is XXXX XXXXXXXX XXXX XXXX  XXXX 
I have no such account, I went to the Chime.com site and chose 'forgot password ', to see what information would come up. It showed me the last 4 digits of my cell number. I forwarded the messages to XXXX which sent me auto replies. However, the emails had my daughter 's first name included. I followed up with my daughter who confirmed that it was not she who did this. 
My information has been included in past data breaches through various entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Subject : Unjust Reappearance of Disputed Account on Credit Report : Violation of Consumer Rights I hope this message finds you well. I am writing to bring to your attention a persisting issue regarding an account that has been previously disputed and rightfully removed from my credit report. Despite following the due process and having this account removed, it continues to resurface on my credit report, which I believe is a direct violation of my consumer rights. 

Upon discovering this account, I immediately took the necessary steps to dispute its accuracy and relevance to my credit history. Through the proper channels and documentation provided, the account was rightfully removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

However, to my dismay, this account has reappeared, causing undue stress and concern regarding my creditworthiness and financial standing. This recurrent reappearance not only undermines the established dispute resolution but also disrupts the integrity of my credit profile. 

I am writing to request a thorough investigation into this matter and seek your assistance in rectifying this recurring issue. It is crucial to uphold the principles outlined in the FCRA that safeguard consumer rights, ensuring accuracy and fairness in credit reporting. 

Thank you for your time and anticipated assistance in addressing this issue. I look forward to a prompt resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systems Inc. sent communication via mail stating they are debt collectors and are attempting to collect a debt. XXXX dated XX/XX/XXXX ( exhibit A ) stated they were trying to collect a debt from XXXX XXXX in the amount of {$10000.00} and a response must be had by XX/XX/XXXX. The next communication received was dated XX/XX/XXXX ( exhibit B ) stating that XXXX XXXX allowed them to make an offer to regain card membership and reinstate the account. I then sent Transworld communication on XX/XX/XXXX ( exhibit C ) ; accepting the offer, disputing the debt, requesting validation, the name and address of the original creditor, and proof of contract to lawfully collect this alleged debt. I then received another communication from Transworld Systems Inc, dated XX/XX/XXXX ( exhibit D ), restating the same communication from XX/XX/XXXX. I have yet to receive any communication from Transworld in response to my acceptance of the offer within the communication they received. The consumer has never entered in a contract with Transworld Systems Inc. 
As stated in the communication sent to Transworld, I believe they may be an innocent purchaser of the alleged debt. As XXXX XXXX may not be in compliance with their prospectus. An audit of both accounts, XXXX XXXX and Transworld is being requested for tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Rocket Mortgage ( RM ) has employed a shadowy 3rd and 4th party to deny release of escrowed funds paid to me by my insurer following storm damage to my home. RM escrowed the funds as the mortgager of the property. 

RM contracts with " XXXX '', an otherwise unidentified 3rd party, to verify completion of repairs. XXXX then hires " independent contractors '' who use only their first name : XXXX ( XXXX ) and communicate solely by text. 

By default, an unidentified 4th party, working for a shadowy 3rd party, determines whether RM pays me money I owe my contractor. XXXX has made contradictory, confusing and, at times, impossible demands on me. RM can't define a process by which my funds will be released, referring me back to XXXX RM 's representatives have made assertions that were patently false. Meanwhile, my contractor 's invoice is unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
Capital One is suing me for a credit card I did not open or buy anything with. I have tried to contact them for the original purchase, but they can not tell me since I do not even know the credit card account number. My attorney, XXXX XXXX, was able to get some back statements, but they only show payments that I did not make. I still have no idea what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have multiple inquires i did not recognize him my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called all bureaus to get these off and they told me i have to verify i did not open them. None of these inquires are connected to none of my accounts on file. 15 usc 1681 right to fair credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: HI

Complaint narrative:
My Destiny Card payment was due on XX/XX/24. I logged in to access my account at Destinycard.com to make my payment on the due date at XXXX PM XXXX. Their system would not allow me to make the payment on the due date and instead forced me to schedule the payment for XX/XX/24 thus rendering my payment late and incurring a late payment fee. 

On XX/XX/24 at XXXX AM, I called their customer service phone number at XXXX. I spoke to a customer service agent who identified herself as XXXX. I explained the issue to her XXXX times. She told me that the payment was late because it was made at XXXX PM XXXX time. I explained to her that I live in the Hawaii XXXX XXXX XXXX and that I attempted to make the payment on time. After XXXX hour and XXXX minutes on the phone, they refused to resolve the issue. I asked XXXX XXXX time to allow me to speak to a XXXX, after which she finally told me that her XXXX XXXX would call me back, but he never did. 

My concern is that they are charging customers late fees for payments submitted on time in the customer 's time zone, thus fraudulently forcing late fees and added revenue for their company. 

I checked their billing statements and their website, and I could not find any disclosure stating that payments made after a certain time in the XXXX XXXX XXXX would be recorded as late or that those payments would incur a late fee. 

I looked up the company XXXX XXXX XXXX XXXX XXXX on the Better Business Bureau 's website and there have been XXXX complaints against this company in the past XXXX years. This company should be held this company accountable for unfair, misleading and fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Indingo Mastercard original name. 
I called XX/XX/XXXX is when I learned the name changed or company was bought out. They have incorrect balances reporting across all three credit bureaus. XXXX payment XX/XX/XXXX late XXXX days XXXX XX/XX/XXXX late XXXX days XXXX XXXXXX/XX/XXXX late XXXX days. Date opened XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have not closed my account I want to keep my card but need inaccurate information updated to reflect and stop harming my credit. The address is inaccurate my address should be XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. I have reported identity theft in the past and have filed police report that why it is imperative they have my name and address correct and account history accurate. 

My statement due date is the XXXX of each month. I have been paying before statement due date and they still are reporting inaccurate information XXXXXXXX XXXX  days past due. This account is impacting my credit report. I am homeless and continuing to be denied approval for apartments because of this information reported on my credit. I contacted XXXX XXXX because I have an open account that I am paying on the account is active. I requested they remove the late payments and past due balances because this is inaccurate. I called them in XXXX several months to resolve the issue and was told they would remove the late fees and inaccurate information before they switched over to concora credit they changed names. I spoke to a rep on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX to discuss account and nothing has been done. I made payments XXXX that I can find as of today from bank statements. Payment on XX/XX/XXXX {$50.00} late fee charged XX/XX/XXXX. 2 payments XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} due date was XX/XX/XXXX. Paid XX/XX/XXXX {$30.00} XX/XX/XXXX. {$30.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$45.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$100.00} This was verified on my statements from them as well. I just need the late payments removed as promised before they switched company names. I am not closing my account with them just requesting the late payments be removed since the account is open and is being paid on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: WA

Complaint narrative:
This popped up on my credit info and I dont know who they are. I tried calling and got a generic rep that didnt help. I dont know if they were new. I told them I needed a written validation letter of who they are, who the bill is owed to with my signature acknowledging everything and have yet to get anything. Its been at least 3 months since last communication.

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 2024-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/AMERICAN EAGLE Inquiry Date Removal Date Type Phone Number XXXX XXXX Sales Financing Company XXXX Hard Inquiry. I did not inquire about getting this credit card.

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 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I tried to scheduled a payment from Wells Fargo Bill Pay service for payee 'property tax lah ' in the amount of {$8200.00} to be sent out on XX/XX/XXXX. I quickly realized the amount was supposed to be {$17000.00} so I immediately went back and modified the amount from {$8200.00} to {$17000.00}. I doubled checked and both date and amount looked correct before I logged out. Then on XXXX, I got an email alert from Wells Fargo, apparently they somehow sent out a payment to that payee in the amount of {$8200.00}, which was not set up by me, without my authorization. The payment drained my account and triggered the overdraft action. I called WF immediately and explained I never set up that payment. I was advised by the representative to put a stop payment on it so everything would be back to normal. However, he never mentioned that the payee would still try to clear the payment and there would be consequence. A few weeks later, the payee sent me a bill for {$85.00} for a return payment fee, which I paid already to avoid further damage. 

On XX/XX/XXXX, I filed a case ( ref # XXXX ) with WF to request a reimbursement of the {$85.00}. I was told someone would get back to me in 2 business days, which never happened. Called again on XX/XX/XXXX and spoke to XXXX, who opened another case for me ( ref # XXXX ) and again no response from WF. On XX/XX/XXXX, I called WF again and spoke with XXXX at the XXXX XXXX XXXX. This time she told me she was able to see my bill pay history and confirmed I did just edit the amount so she filed another case for me ( ref # XXXX ). She also said she was able to retrieve my previous cases and the information in the 2 old cases wasn't sufficient, so this time she would include in the new case her new findings, which validated my story. However, I waited for a week and still no response from WF, so I called again on XX/XX/XXXX. I was read a resolution letter, which was supposedly to have been sent to me, that it was ruled against me. I requested to speak with a supervisor and was transferred to XXXX. After checking with the Bill Pay department, he basically just said Bill Pay is a customer-driven service so it can't be their fault, hence my case is closed without any resolution.

In summary, the main issues are : 1. They sent out a payment without my authorization.

2. Their customer service representative corrected a mistake on their part at my expense. 
Wells Fargo has been giving me run-arounds and eventually I hit a wall. I'd really appreciate any help. 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 explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have Parent Plus Loans that have been taken off of all of my credit reports and should be off of all credit reports but for some reason Transunion continues to show them on my report which is causing damage to my credit and has kept me from being able to receive loans to improve my life and help me reestablish the Agribusinesses and everything else I lost after being XXXX in XXXX XXXX I spoke with them on the phone and was told to give a month or 2 at the most. When nothing happened I filed 2 more Complaints through XXXX XXXX but Transunion is still showing them as open and outstanding instead of showing them as closed and paid like the other Credit Bureaus. This is causing a lot of harm to me on a personal level and keeping me from being able to improve my life since being XXXX and being able to leave the XXXX XXXX XXXX I was in for almost 5 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 2024-01-08 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: GA

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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief