vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 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 2024-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: CO

Complaint narrative:
I changed my hazard insurance on my home which is managed through an escrow account by CrossCountry Mortgage, LLC. I changed my insurance from a XXXX XXXX to a XXXX General policy. The XXXX policy renewal amount was for {$2500.00}. I cancelled that policy effective XX/XX/year>, and informed XXXX of my new policy via their web portal on XX/XX/year>. On XX/XX/year>, CrossCountry paid {$2500.00} to XXXX on my already cancelled policy. Then on XX/XX/year>, they paid {$1800.00} on my new, and current XXXX XXXX policy. I was waiting for a refund from XXXX so I could deposit it back into my escrow account. However, on XX/XX/year> CrossCountry paid {$2500.00} to the cancelled XXXX policy, an additional erroneous payment without my consent from my escrow account. An escrow analysis was then run on my account on XX/XX/year>, resulting in a {$6100.00} shortage, increasing my monthly mortgage payment by more than {$500.00}. On XX/XX/year>, I received {$5000.00} in refunds from XXXX for the erroneous payment by CrossCountry. I deposited that amount into my escrow account on XX/XX/year>. On XX/XX/year>, I called CrossCounty and requested a new escrow analysis to lower my monthly payment based on my escrow deposit. I did not receive any information related to an updated escrow analysis for more than XXXX weeks. On XX/XX/year>, I called CrossCountry to ask why no escrow analysis had been performed. I was told by CrossCountry that an analysis was requested on XX/XX/year>, but no adjustment was made because the Sate of Colorado indicated there was still a ~ {$1000.00} shortage to my escrow. I informed CrossCountry that I repaid the refunded insurance policy amount in order to significantly lower my monthly payment, despite understanding that there would still be a shortage. This shortage is due to both property tax increases as well as the new insurance policy being more expensive than the cancelled one. I was informed that a new escrow analysis was requested and I would hear back in 3-5 days. I have an upcoming mortgage payment on XX/XX/year> which is {$3000.00}, due to an escrow shortage that no longer exists on my account. I can not afford this payment, and it can be lowered by a properly and timely escrow analysis, as I have requested. I feel that CrossCountry Mortgage, LLC is performing escrow account abuse by failing to dutifully act as a fiduciary of my escrow account via multiple erroneous account disbursements and failure to promptly help to rectify the balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have sent have several transfers of money using XXXX. One such transfer was on XX/XX/2023 when I sent XXXX from USD to EUR using my connected bank account ( ACH ), which is USAA. It cost XXXX USD and will now cost XXXX USD. * This is because the fee for sending USD to EUR using my connected bank account ( ACH ) has gone from XXXX USD + 0.58 % to XXXX USD + 0.68 %. These include Hidden remittance fees = junk fees! which are buried in each transaction. 

On XX/XX/2023 I transferred XXXX from USD to EUR, and on XX/XX/2023 I transferred XXXX from USD to EUR, each of which include Hidden remittance fees = junk fees! which are buried in each transaction. ( i.e. FX markups ) Hidden fees included in a currency exchange transfers are junk fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating XXXX XXXX Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX Account numberXXXX  In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: Self Financial Inc.
State: TX

Complaint narrative:
To whom it may concern, I am inquiring about my account with the name of XXXXXXXX XXXX The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in XXXX ( 7years ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I am inquiring about my account with the name of XXXX XXXX The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2017 ( 7years ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I am inquiring about my account with the name of XXXX XXXX. The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in XXXX  ( XXXX ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER LATE and send me a copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX Account number : XXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

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 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Today is XX/XX/XXXX On XX/XX/XXXX I paid from my US Bank checking account {$170.00}, statement attached. Last week I added all my month XXXXXXXX XXXX XXXX. payment & I overpaid XXXX {$170.00} from the beginning XX/XX/XXXX. 
I filed XXXX XXXX complaint against the AGENT, XXXX XXXX XXXX of Granite XXXX XXXX  and XXXX then both removed my XX/XX/XXXX {$170.00} first month car insurance payment thus STEALING {$170.00} from me, proof attached. 
INSURANCE FRAUD AND THEFT. I want my money {$170.00} from XX/XX/XXXX. My US Bank account I closed last year XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am deeply concerned about the inaccuracy of my credit report, which is unjustly harming me. I request that you thoroughly investigate this matter and make the necessary urgent corrections. If there are no updates, I will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am deeply concerned about the inaccuracy of my credit report, which is unjustly harming me. I request that you thoroughly investigate this matter and make the necessary urgent corrections. If there are no updates, I will be forced to take legal action.

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 2024-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bliksum, LLC
State: AZ

Complaint narrative:
This company texted me out of nowhere on XX/XX/2024, at XXXX XXXX MST, stating that my account has been listed as a refusal and that documentation will be sent to my home and employer 's addresses. They sent the text from XXXX. 

I called the number immediately and spoke to XXXX XXXX, who said he was from XXXX XXXX XXXX. He said that they would request a judgment against me and send it to my home address and my employer 's address, so I told him I was happy to resolve any debt but needed to verify it and asked him to please send me a letter of verification. He had my old home address, birth date, and social security number, which is concerning, considering he could not verify for me which company he is from. 

What he sent me was incomplete ; it didn't have a company website or physical address, and two different companies were listed in the letter he sent. He emailed it to me from : XXXX. When I asked him where I could make online payments, he directed me to an entirely different website : XXXX XXXX XXXX. 

When I replied by email to ask him to verify his company name, website address, and physical address, he did not respond. I then called the original creditor, Loanme, who said they could not locate my information in their system by social security number, name, phone number, or address. 

I then called XXXX again at the phone number on his letter : XXXX XXXX, and asked him to please provide me with his full company name, company website, and the physical address for his company so I can verify the legitimacy of his company. He then refused to provide me with the information and argued with me, stating that they could just get a judgment against me if I didn't want to pay. I advised I am glad to resolve what debt I may truly owe, but I need to know who I am sending money to before I provide any information. I asked him multiple times for the information, and he just hung up on me. I replied to his email and notified him that I would report them to CFPB. 

I want to ensure that if there is any debt that I owe, I am able to verify the company collecting it from me before I hand over any financial information or make payment arrangements. I need the debt verified. I also want to ensure that this company, if not legitimate, does not contact my employer.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of last year, my mailbox was stolen, which included credit cards ending in the last XXXX digits XXXX and XXXX. Subsequently, we received XXXX emails from the Bank, Wellsfargo, regarding unusual activity on my card. We promptly reported that these were not our transactions, and the matter seemed to be resolved. 

However, I later discovered that the balance on the account ending in XXXX had increased significantly, up to approximately {$2600.00}, without my knowledge. Immediately reported this to them, the unauthorized balances were removed, and a new card was sent to me. It's crucial to note that we never activated this new card. 

Despite this, the same unauthorized charges appeared on a new account. So I and my wife visited a Wells Fargo branch and opened a fraud case ( XXXX, account number ending in XXXX ). 

We are deeply frustrated by the lack of progress in resolving this issue. After receiving XXXX emails from the bank stating that more time was needed to investigate, we did not hear anything further. When I followed up via email, I received a phone call stating that the case had been closed, and that if we wished to pursue the matter, we would need to open a new case. After that, I requested to open this as a new case for several times, but I can not hear anything from them until now. 

During this ordeal, we have incurred approximately {$350.00} in interest charges. I kindly request that you escalate this matter to the appropriate department for a thorough investigation and resolution. 

I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution.

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