vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hello. On XX/XX/XXXX I called TD bank due to unwanted chargers posted to my account. It caused for a over draft and additional fees. The account is still going in a decline. I have no other money and need to pay bills. Unfortunately all of the overdraft fees can not be waived due to me getting some waived in past. This is very unfair and I hope TD can resolve this issue with a credit first swiftly then helping get other charges off. There has been so many scams now and days and unfortunately I am just another victim. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I was under a payment plan for this debt beginning in XXXX / XX/XX/XXXX ; payments were taken directly from my checking account. In XX/XX/XXXX, I lost my job. I communicated this to XXXX ( the predecessor to XXXX ) monthly and advised that I was unable to make payments on this debt ( approximately $ XXXX ). I received no communications - phone, email, written, or court documents during the period from XX/XX/XXXX through today, XX/XX/XXXX. Today, I checked my bank account and it had been cleaned out - there was a debit in the amount of {$3600.00}, which was the balance remaining from my first paycheck in nearly a year. Upon reaching my bank- I assumed that there was fraud involved- they provided me with the number to contact XXXX. Apparently a writ of garnishment was filed recently with my bank, yet no service / notice / contact was made with me in advance. And, they refuse to " stop the garnishment '' despite the fact that I am now left penniless, without funds for food, shelter, or bills- the total debt is over $ XXXX. And, short of litigation or bankruptcy, I have zero options for recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Despite multiple complaints, my credit report still reflects inaccurate accounts that are tied up in litigation. I am outraged by the lack of attention to this issue, which is seriously harming my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
We went through the PMI removal process in XXXX of XXXX, while our mortgage was still with XXXX XXXX XXXX. It was approved, effective XX/XX/year>. When Newrez took over, our PMI had been removed, and was removed for 4 months..until they decided to put the PMI back on, without telling us. I got a letter that our escrow is short, and noticed they have been taking out PMI on us for 13 months. They conveniently dont have the documentation that it was approved for PMI removal, but they did have a copy of my check to do the process. Lucky for us, we do have documentation that it was approved, the check, AND the fact that it was already removed should have been proof enough that it had been approved by XXXX. They owe us over {$1400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a complaint regarding the TransUnion 's reporting of inaccurate and incorrect information on my credit report. This misinformation is causing significant harm to my credit score and financial reputation. I have reviewed my credit report thoroughly and can confirm that the reported item in question is inaccurate. As a result, I am requesting that this incorrect entry be deleted immediately to prevent further damage and to ensure my credit report accurately reflects my financial history.

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 2024-11-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My name is XXXX XXXX, I am writing to file a formal complaint regarding the handling of my Time Account ( CD ) ending in XXXX by Wells Fargo Bank , N.A . I believe this situation warrants your attention due to the financial impact and the lack of appropriate customer service. 

On XX/XX/year>, I called Wells Fargo to request the closure of my Time Account ( CD ) ending in XXXX. This request was made within the accounts grace period, as per the terms and conditions. However, as of today, XX/XX/year>, the account remains open. After following up, I was informed by a Wells Fargo representative, XXXX XXXX XXXX, that the initial account closure request was not processed properly on XX/XX/year>. XXXX XXXX assured me that a new form was to be submitted on XX/XX/year>, and that the funds from the CD should be transferred into my savings account no later than XX/XX/year>. 

As a result of this delay, I have suffered financial losses, as the funds from the CD have not been available for reinvestment. Specifically, I was unable to invest {$10000.00} in stock, which has caused me to lose more than 25 % in potential returns. This failure to close the CD account and transfer the funds promptly has caused considerable inconvenience and financial harm. 

In addition to this issue, I have experienced prior customer service challenges with Wells Fargo that further underscore the need for intervention. Most recently, I had difficulty paying off an XXXXnstallment Loan online. Despite my attempts, interest continued to accrue on the loan ( the interest was finally waived ). When I contacted customer service, I was informed that I could not transfer funds from my savings to the loan and was told to call back on the next business day to speak with the loan department. I find it unacceptable that I was asked to contact a separate department to handle a simple loan payment. I eventually resolved the issue by stopping the automatic draft and manually paying off the loan, but the process was unnecessarily complicated.

As a Wells Fargo customer, I am disappointed by the continued service issues and the failure to close my Time Account ( CD ) in a timely manner. I am requesting that your organization investigate this matter, ensure that my Time Account ( CD ) is closed, and the funds are transferred to my savings account as initially requested. Additionally, I ask that you address the ongoing customer service issues I have encountered with the bank. 

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

Sincerely,

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter to all three credit bureaus for investigation on XXXX XXXX. I havent received any information as of yet.

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 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX XXXX company has repeatedly harassed me with calls. One day when I answered they said that I had to give payment information by the XXXX of the month. I said I was unemployed and looking for a job and I had interviews lined up and anticipated to be able to pay by the end of the month. Representative insisted that he could not wait until the end of the month and demanded payment information and said they would attempt on the XXXX and on the XXXX. On the XXXX I kept getting repeated calls and voicemails while at work so I called the representative during my work lunch break with the intention of setting up a payment resolution. Representative tried to frame that I committed fraud by providing a credit card that was not good and I explained that it was good, it just did not have funds. I asked to find a resolution and he did not comply. He told me to have my attorney contact him on Monday and hung up on me. Phone number is XXXX option XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: Experian Information Solutions Inc.
State: TX

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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
To Whom It May Concern : I am reaching out to request assistance in resolving an ongoing issue with my mortgage company, XXXX in Florida, regarding an escrow analysis. Since XXXX, I have made multiple requests for an escrow analysis, but the company has repeatedly failed to process my request or provide a resolution. 

First Request : I was initially informed that the process would take 30 days. When I followed up, I was told additional time was needed. 
Second Request : I was assured that my case had been escalated and that I would receive a response soon. However, no updates or resolution followed. 
Third Request : I was informed once again that the case had been escalated, and management assured me it would be resolved within XXXX hours. Despite this, when I followed up about a week and a half later, I was told that no escalation had been made on my account. 
When I spoke with management, I was informed that there was nothing they could do and that I would have to wait for my case to be addressed. 

I am deeply frustrated and unsure of how to proceed. Is it legal for the mortgage company to delay my request in this manner? How are they allowed to treat customers with such disregard, especially considering how quickly they act in cases of foreclosure if a payment is missed? 

I urgently need help resolving this matter, as I have exhausted all avenues with the mortgage company. Any guidance or support would be greatly appreciated. 

Sincerely, XXXX XXXX ( 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 2024-11-15 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: PA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a XXXX XXXX  survivor I have no connection or knowledge of these three accounts and these bureaus arent helping me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00} Please help me these arent mine Im just now able to get on with my life without looking over my shoulders

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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX, USAA froze my bank account due to suspected fraudulent activity. The account held over a months worth of essential funds, including my disability payments, which I relied on for rent, living expenses, and bills. After a month, USAA closed the account without resolution. Despite repeated attempts to contact them and resolve the matter, USAA delayed returning my funds. It wasnt until XX/XX/XXXX that I received the first of XXXX checks for the funds they had held. 

This mishandling caused severe financial and emotional harm : 1. Vehicle Repossession : In XX/XX/XXXX, I was unable to make payments on my XXXX XXXX XXXX due to the account closure. USAAs delay in returning my funds prevented me from paying the reinstatement fee of {$1200.00}, which would have allowed me to recover the vehicle. The loan went into full default, and the balance grew to {$20000.00}. Despite eventually paying off the debt in XX/XX/XXXX, the repossession severely impacted my credit and financial stability. 
XXXX. Housing Instability : The account freeze and closure left me unable to pay rent for XXXX months, resulting in {$10000.00} in arrears, including eviction-related fees. My landlord issued a XXXX eviction notice. While I provided evidence of the account freeze to the landlord and negotiated to avoid eviction, I had to borrow money to cover the balance, which further strained my financial situation. 
3. Mental Health Impact : By XX/XX/XXXX, the cumulative stress from the repossession, housing instability, and lack of access to my funds led to my hospitalization at a VA facility for severe XXXX. This period was particularly challenging as I am a veteran managing XXXX, and the financial and emotional fallout greatly affected my mental health. 
XXXX XXXX and Banking Issues : After USAA closed my account, my credit score dropped into the low XXXX due to missed payments and the defaulted vehicle loan. Additionally, I was denied new accounts by XXXX banks, citing issues related to the USAA account closure. These challenges created long-term financial difficulties, including higher interest rates on subsequent debts. 

USAAs handling of this situation caused a domino effect of financial harm. The delayed return of my funds and lack of clear communication disrupted my financial stability, led to significant debt, and caused long-lasting credit and emotional damage.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All transactions and charges on this account are fraudulent. I never benefited from any of these transactions. I need these fraudulent transactions to be removed from my credit report to prevent further fraudulent activity of my 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 non-monetary relief
Consumer complaint received 2024-11-15 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: LEXISNEXIS
State: MS

Complaint narrative:
XXXX complaint regarding LexisNexis and their ongoing refusal to provide me with a copy of my consumer report despite my repeated requests over the past XXXX years. 

However, on XX/XX/year>, LexisNexis submitted a response to CFPB falsely claiming that they reached out to me but that I did not respond. This is completely untrue, and I have proof, including an email with timestamps, showing that I responded to their request the same day they reached out to me. See Attachments.

Company response to consumer: Closed with explanation