vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: KEYCORP
State: TX

Complaint narrative:
I am in the process of purchasing a home and have discovered that I have a charge-off reported on my credit report. The account is from Key Bank. I can give you the account number another time when requested. It is being reported as a {$0.00} balance charge-off last updated in XXXX of 2018. I did have an account with Keybank for financing a boat that I had purchased. My old business partner had taken over the payments and I was not notified until XXXX of 2018 that he had ceased making the payments. At that time I immediately contacted Key Bank and paid the balance that they said I owed ( {$32000.00}, see attached document as receipt of payment ). I have contacted Key Bank in regards to them misreporting this as a charge-off debt as I did pay the debt and did not receive a XXXX from them in 2018 asking them to please request that the account be deleted from the credit bureaus ( and provide me with a letter for my records ). They have taken the stance that they have accurately reported the debt and can not do this. 

As, I did pay the debt in full as they told me that was owed ( speaking with them today they informed me that I negotiated a settlement for {$2000.00} less than what was actually owed ). I did not propose a settlement with them at that time nor was I aware that was even an option ( Had I known I would have requested a much lower settlement then {$2000.00} off of a {$34000.00} debt ). 

I am in the process of purchasing a home and because of their misreporting of the debt to the credit agencies and their refusal to cooperate with deleting the tradeline, it is costing me thousands more in closing costs as it is affecting my credit score by XXXX to XXXX points depending on which bureau you look at. 

Again, as soon as I was notified by KeyBank that the payments were not being paid at and the debt was in a delinquent status I immediately contacted them and settled the debt for what I was told to be in full. 

I am requesting that it be deleted from all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Well Fargo allowed me to take on a mortgage without having any insurance. I purchased a condo in NJ. The XXXX  only covered the exterior of the property. I didnt know this at the time. However, a renter set the place on fire and this is when I learned I was uninsured. How could they let me take out this loan without making sure I was insured. They did absolutely nothing to help me. I had a mortgage and no way to pay for these damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: FL

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. 
XXXX  Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Have reach out multiple times to TransUnion XXXX and XXXX and the companies of the misuse information on my credit report under consumer law 15usc 1681B that I'm conclusive from the the experience of this and not inform of this information and should be removed from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is TRANSUNION 's duty pursuant to the FCRA to report correct and accurate information on my credit report and file, and they are NOT. TRANSUNION is reporting 6 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, and a 90 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED, which is not reflected in my report as my credit score has suffered.

Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this whole issue, I did NOT give TRANSUNION written instruction or permission to furnish these inaccurate late payments on my consumer report or file, thereby violating 15 USC 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination as my report reflects something that is simply not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — I do not know
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: Nationwide Recovery Systems, Ltd
State: OH

Complaint narrative:
I received a call today at XXXX from No Called ID. I did not answer it and let it go to vm. My exhusband then received the same call at XXXXXXXX XXXX right after me, leaving him a voicemail. We are not married. They left a voice mail saying they were coming to my house, and saying the number I'm calling is the filing department with a case number. Be advise she will need to call to get a stop order so she doesn't have to come out and serve me. For me to call the filing department. They left my personal information on his voicemail. We have been divorced for 5 years now. He has no right to any of my business. The message left for me to tell me she is a private courier and she was calling to notify me that I was on her schedule to be served with documentation tomorrow, XX/XX/XXXX and for me to call XXXX and the case number is XXXX and to be advised that if a stop order is not received she was going to come to my employment and my residence tomorrow to serve and take me and to make sure I have my ID prepared. I called this phone number and they told me they were Nationwide Recovery Systems. I told them the message I received. They said they were sending someone out Friday XX/XX/XXXX to serve and get me. I asked them what was this about, they said a debt with XXXX XXXX. I told them I have not received anything through the mail about some debt, which by the FDCPA law would give me 30 days to dispute. They claimed they " emailed '' me. Which was false. They threaten to take me and take actions, but would not tell me what the debt was. I told them verbally I was giving them a cease and desist to not contact me and not to contact my ex-husband and they were only to provide documents through the mail. I informed them I was filing this complaint because their actions are against my personal rights with FDCPA, ECOA and RESPA. The guy laughed and told me I didn't know what I was talking about and they would just come and get me tomorrow. They threatened my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: MA

Complaint narrative:
FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX  AccounXXXX XXXX  XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXXXXXX XXXX charges flooded into my Wells Fargo account, from an individual or individuals, allegedly using the card simultaneously in XXXX XXXX XXXXXXXX, and more recently in XXXX, which the bank declined. 

Despite the obviousness of this flurry of out-of-town fraudulent transactions, Wells Fargo has returned only {$320.00} consisting of XXXX transactions in XXXX, but has withheld returning {$320.00} : a {$260.00XXXX XXXX XXXX charge in XXXX and two XXXX charges made in XXXX XXXX, on the same day! 

For their purposes, they should certainly try to figure how some of these fooled their security systems. That is not my job. 

I want my money back in my account now, where it should remained.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, I have a small business. We do debit transactions, some of which requires cash back. For the last week, weve noticed transactions where the cash back is approved, and it factually hasnt went through. When we verify the transaction, whether with a receipt or looking up the transaction history, the cash back has not been processed. In one case, a customer was approved with insufficient funds. Im handing over money to the customer with false information. Ive been processing with this company for two years, and I dont know how many transactions this has happened on. I do not know how I will get reimbursed on the amounts of transactions this has been happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon checking my credit reports, I've discovered several fraudulent hard inquiries from the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Credit Card Acquisitions Group
State: NC

Complaint narrative:
I have inquiry on my account from credit cards And will like them to get disputed so I cant build my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I call XXXX today XXXX XXXX and they said they wasnt re - investigating Very rude and unprofessional Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, Tranunions, XXXX are trying to stall me hoping that I will stop. XXXXFiled a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXXEmail XXXX Tranunions, XXXX Ceo as last resort before I Sue 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 non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I call XXXX today XXXX XXXX and they said they wasnt re - investigating Very rude and unprofessional Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX XXXX Equifax are trying to stall me hoping that I will stop. XXXXFiled a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXXXXXX XXXX XXXX Equifax XXXX as last resort before I Sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
After the loss of both of my parents who were not insured, I was left with the responsibility of burial and funeral expenses in XXXX. This caused a great financial burden in addition to XXXX and caused financial stressors in XXXX. We applied for the XXXX in XXXX and was awarded funds of approximately {$5000.00} to help with our past due balance and escrow. On XX/XX/XXXX, we completed the grant agreement. On XX/XX/XXXX, funds were dispersed via ACH to Rocket Mortgage as well as other partners that we gained grant funds for. On XX/XX/XXXX, all the other companies had received and applied those funds. To date Rocket Mortgage has not. Nearly two months later. They have reported the mortgage as delinquent to credit reporting agencies when they've physically had possession of the funds. And their delay in processing the funds and applying them to our account has caused an escrow shortage causing our XXXX payment to increase by {$400.00}. YET, it only takes them 24 hours TO DEBIT your account with an ACH payment. We made our absorbent payment yesterday at approximately XXXXXXXX XXXX. and had already presented the check to our back by XXXX. They are threatening acceleration on the mortgage when they NEED TO ACCELERATE THEIR PROCESSING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Business & Professional Collection Service Inc
State: NV

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. 

Account name : # BUS & PROF COL, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX : {$170.00} has violated my rights. 

Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. 

Account name : # XXXX XXXX XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. 

Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$560.00} has violated my rights. 

Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$380.00} has violated my rights. 

Account name : # XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$1500.00} has violated my rights Account name : # XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$1200.00} has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX of 2019 I opened a checking and savings account at Wells Fargo Bank with an opening deposit of a little over {$5000.00}. In XXXX of 2019, when trying to use my debit card it was declined. I checked my account and found multiple suspicious transactions that had posted for that week. I immediately contacted Wells Fargo and reported the fraudulent activity. At the instruction of the Wells Fargo XXXX  team, I went to the Wells Fargo branch where I had opened the account. I sat with my banker and went over all recent transactions that had posted to my account and indicated which ones were not made by me. That information was then submitted to the Wells Fargo XXXX XXXX. Approximately XXXX week later, I received a phone call from the Wells Fargo XXXX XXXX. The agent was quite rude and condescending and informed me that Wells Fargo would not refund the stolen money to me because they believed that it was myself or someone who knew me that had made the transactions. I informed them that I had not made those transactions, nor had I authorized anyone to have access to my account. I even spoke with the agent 's supervisor and was again told that my stolen funds would not be returned. When I asked how they had reached the decision they made, they informed me that XXXX or more of the transactions listed as fraudulent had been made using the chip-enabled debit card assigned to my account. I know this information to be false because I am a XXXX XXXX and was working in Maryland at the time. I opened the account at a branch in Maryland and was issued a temporary debit card ( which did not have a chip in it ). The chip-enabled debit card was mailed to my home in North Carolina XXXX XXXX was still in the sealed envelope it had arrived in. When i confronted the agent and supervisor with this information, they abruptly ended the call. They also did not close the compromised accounts immediately. By leaving the accounts opened, it also compromised my XXXX  XXXX XXXX XXXX account that was linked to the Wells Fargo account. I have made multiple attempts to resolve this issue since that time but have been unable to get anyone from Wells Fargo to help recover my money. As a result of their actions my XXXX  XXXX XXXX accounts were closed and listed as " checking account XXXX ''. Wells Fargo finally closed my checking account with them after it became overdrawn. It is also now listed as closed for " checking account fraud ''.

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