vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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:
XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute. 

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


Best Regards, 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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have a Navy Federal account that was opened back in XXXX. I called multiple times and was told that my account was stuck in pending closure. On or around XX/XX/2023. I walked into the bank submitted proper documents and was able to withdraw {$100.00} something I had in my account. I was told that if I wanted to get money from my account, this would be the procedure from now on. My account status was in a pending closure since XXXX when it was open. I asked them if I was able to deposit a check I received and they said yes, your account is able to take credits but if I wanted to withdraw then the same procedure I just went through earlier would be done. I said, okay I am fine with that. I deposited the check, they said it would be on hold for an additional 5 days. I was fine with that. Fast forward to XX/XX/2023, the hold has passed and I walked into the same branch, asking to withdrawal. They declined my request and told me to wait for a banker. The same banker who helped me last time didnt help me out this time. He called navy federal security and told them about what I was trying to do and also told them that they should put a restriction on my account. Since than I have not been able to withdrawal from my account. I also submitted and appeal and theyve requested additional documents. My account has been stuck in this closure status for a long time because they could not verify my identity. Since I submitted an appeal and all documents theyve requested from me theyve declined and did not overturn their decision. I felt like I was being mistreated. I felt like I was robbed. I depended on this check so I could pay my rent but now, Im stuck in an eviction battle with my current landlord. This frustration and anger that Navy Federal Credit Union has caused me, I dont think I will ever recover from it. I am facing so many financial hardships. Im about to be homeless. I needed to pay rent and they just held onto my money. Why is there such thing as a credit only for an account thats in a pending closure? I consider this fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I contacted these companies for reporting inaccurate information on my credit report. They have not responded to my letters to them and it has been over 30 days. I also sent affidavits to 2 of the companies and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
Thank you for assisting me in this matter. I would have chosen not to write this complaint and got the CFPB involved if I had other options, but unfortunately here we are. 
My issue stems with XXXX XXXX for XXXX separate accounts : XXXX ( balance {$260000.00} ) XXXX ( balance {$100000.00} ) I went online in XXXX of 2023 to make a payment for both of these accounts and there system was down to site maintenance. I called in the following Monday where a support representative alerted me of site maintenance and I made my payment. Unbeknownst to me, I ended up receiving a late payment with XXXX for XXXX of 2023 for both accounts. This has had a significantly negative affect on my XXXX XXXX and prevented me from doing much as I am no shackled. Normally I am not XXXX to complain, however, this is unjust and inaccurate. According to the FCRA and FCBA, this information should be corrected and removed from my report. 
I have attempted to dispute these late payments several time to no real avail : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023 I decided to be more proactive and attempt to give them the benefit of the doubt and called XXXX XXXX on XX/XX/2023. I alerted them that I had disputed the late payments on my credit report form them because they are inaccurate due to their site being down for maintenance. The support representative agreed that that was the case and made notes in my file and stated that they would correct it. I asked if I should dispute the late payments with the Credit bureaus again and they stated it wasn't necessary but I could if I wanted to. 

We are not 3 months past this conversation, several attempts at rectifying this with the bureaus and my Credit still being affected by their blatant mistake. This has caused extreme mental anguish as I am not capable at borrowing at the rates I deserve, rather what XXXX XXXX  error states I deserve. 

I wanted to shine a light on these practices hoping that I can get these late payments removed because the error is not on me, yet on them.

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 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Received a call from an unknown company who stated representation for Wells Fargo requesting {$10000.00}. The woman claimed that a court subpoena from Wells Fargo will arrive at my address on XX/XX/XXXX at XXXX. The women verified the right street name but the wrong street number with my correct ssn. She gave me a case number XXXX XXXX and a phone number of XXXX XXXX. I called Wells Fargos legal department to get further information who stated that no such case exists and it is a scam.

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 2024-01-03 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: WA

Complaint narrative:
Please remove derogatory late remarks after two years. I am making every effort to improve my credit report. XXXX was 8 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There were multiple ( XXXX ) fraudulent charges on my debit card on XXXX XXXX, 2023 from a company in XXXX XXXX I've never heard of. I called Chase to put in a claim and they accepted it and reimbursed me for the charges, as well as removed them from my account. The woman on the phone recommended that I keep the card information on my phone so I would be able to use my new card in my apple wallet before it arrived in the mail. Well, the updated card information in my apple wallet went right to the vendor and on XXXX XXXX, 2023, before I had received my new debit card in the mail, I received another XXXX fraudulent charges from the same company for {$550.00}. I put in another claim with Chase Bank but this time they said they weren't able to find anything different about my account and that they were to assume I made the purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: LEXISNEXIS
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I DID OPEN A NEW ACCOUNT FOR A FIX DEPOSIT CD. 
ON XXXX FOR 10 MONTH AT 5.30 % INT.RATE. 
TODAY, I NOTICED THEY HAVE PUT ME ON 4.35 % RATE I CALL THEM, THE REFUSE AND SAYS, I DID AGREED FOR 4.35 % INT.RATE. 
WHICH, I WAS NEVERT AGREED FOR THAT. 
XXXX, THEY CAN REFUND ME MY FULL AMOUNT OR TARNSFER FOR ONE YEAR FOR 5.25 % INT.RATE. 
I AM NOT GOING TO PAY ANY PRE WITHROWAL-PENALTY. 
PLEASE HELP ME TO SATTLE MY CASE. 
THANKS. XXXX XXXX MY AC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal closed the Dispute without refund because the documentation you provided did not support your Dispute. The order number and time on the screenshots you provided did not match the transactions details on the Payment. This indicates to us that this was not a duplicate charge for one order, but rather two separate orders. Wow, are you listening to yourself??? How in the WORLD could there be two separate shoe orders on the same day, that just happen to be the same exact dollar amount?!?? For over 700 dollars worth?!?!? Thats not a coincidence. Are you really that stupid??? No Youre just con-artists!!! The order number and time on the screenshots didnt match the transaction details on the payment, because the first transaction never happened!!! DUH!!!! Lastly, I showed you proof via the checkout page that XXXX did NOT accept my PayPal for payment!!! And I also told you that XXXX confirmed said order never went through. So theres no way you contacted XXXX and they told you that order went through. You lie Which means you didnt disperse the funds to them, you pocketed all that money for yourselves!!!! STOLE MY MONEY Disputing the charge with my bank.. SCAM-ARTISTS!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

1. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) and this account is not showing up late on my Experian report, just my XXXX and XXXX 3. XXXX  XXXX ( XX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


Best Regards, 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 non-monetary relief
Consumer complaint received 2024-01-03 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: AZ

Complaint narrative:
Experian is reporting Inaccurate information on my report, that isnt mine. They are in violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ACCOUNTS XXXX XXXX  XXXX XXXX XXXX ( LATE PAYMENT ) FCRA VIOLATION- 15 USC 1666b- TIMING OF PAYMENTS STATES : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 



Also they are in violation of 15 U.S.Code 1681e ( b ) Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a notice from Wells Fargo on XXXX that my insurance had been cancelled. I was shocked and asked them when and replied XX/XX/XXXX! I paid a full year insurance at closing on XXXX, XXXX. I was informed a year later by Wells Fargo that I did not have insurance that whole time! As soon as I found out I called the insurance company and they covered me as of midnight on XX/XX/XXXX, ( the day i found out ). They now retroactively added {$4500.00} to my mortgage for insurance back dating it to XXXX of XXXX!, No one pays that much for insurance! My loan is for {$180000.00}. I paid my money through the title company to XXXX XXXX XXXX XXXX and they were not aware either. This is after the fact and now my mortgage is more than what I originally borrowed! It can not be legal for them to go back and add inflated premiums to my loan when I paid in good faith at closing .My insurance is @ XXXX a year.

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 2024-01-03 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN 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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I was enrolled at XXXX from XXXX to XXXX. In that time I was told I had to sign up for XXXX loans both federal and private. I have an active and approved borrower defense case that is processing discharge and we are pending a refund. However, the private XXXX loans are not eligible for this option. Upon doing a little more research, my wife found where CFPB had sue XXXX for predatory lending in XXXX and was settled in XXXX. 

While attending XXXX, I was enrolled in a program that I was told did not have enough students and I had to switch my major a few times. I ended up leaving the school with only an XXXX XXXX. 

My private XXXX loans started with XXXX XXXX and then were moved over to Navient. The remaining balance to date is close to $ XXXX and the interest rate I am charged is over 13 % for those loans. 

I was taken advantage of as I thought I was going to a good school for computer networking. If I could change the past, I would defiantly not attend XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I opened this C.C. in XXXX of XXXX with a very small balance of XXXX. I received all of my statements online, until which time I called in XXXX of XXXX when I saw charges including XXXX, XXXX XXXX, XXXX, XXXX XXXX, Internet charges, food charges, and other out of state charges, I immediately called Indigo to advise these charges were not mine, the C.C. advised that I would not be responsible to pay the C.C. bill for 90 days while they did a complete investigation, they advised that I could still be held responsible, for the charges, I advised the last transaction I made was from XXXX in XX/XX/XXXX, for approximately XXXX, I asked at that time if I could just pay my portion of the bill, they advised they needed to complete the investigation, 90 past, and they advised that they would remove only a portion, of the charges would be removed, and I would still have to pay all of the extra interest, they removed a portion of the late fees, but my bill went from being XXXX to XXXX I advised I would I would pay my part the XXXX dollars they advised I needed to pay the entire amount, it was advised they were a sending a new cc, I never received a new card, charges were still showing up on my cc statement, I called indigo and asked them if my new cards were active, and they advised they were not, and at that point realized I was not using my card, it was still being used by someone fraudulently, I again asked if I could pay just my part of the bill and was told I had to pay the bill in full, I was then told they needed to close my account, my account was closed in XXXX of XXXX, and I have not received any cooperation or corespondence from indigo sense, I called indigo XX/XX/XXXX to pay the bill amount that again was my portion and was again told I could only pay the entire bill amount, I was restricted of being able to access my online account so I was not and have not been able to see if any additional charges have been charged, indigo has refused to allow me access to see my online statement or to see any charges, but have claimed to have filed a law suit against me for charges that I disputed 2 years ago. I requested paper copies of the statements and have never received all the requested copies, no cards were activated by me, and I attempted to resolve this by paying the portions of the statement that belong to me, with no resolution.

Company response to consumer: Closed with explanation