vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 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: FL

Complaint narrative:
Please help me and resolve my difficult situation. Surprisingly I have items that are not mine. I am victim of identity theft and someone just used my personal information. I do not know what to do now ... there are few of them and they just killed my score completely. Please I m asking you to investigate- this is nonsense! Please remove these items ASAP

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 2021-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please help me and resolve my difficult situation. Surprisingly I have items that are not mine. I am victim of identity theft and someone just used my personal information. I do not know what to do now ... there are few of them and they just killed my score completely. Please I m asking you to investigate- this is nonsense! Please remove these items ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Block, Inc.
State: SC

Complaint narrative:
Cash app scammer said XXXX send me money and I gave him my information and he threat to use my ssn for a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: FL

Complaint narrative:
This account is not mine. Its a fraud account and I do not know why Transunion puts this item in my profile. Its not fair and this influencing my life so much, you can not even imagine. I am not connected with this account. This account is not mine for sure. Please ask Transunion to make investigation why they are reporting fake information and I want this item to be removed from my profile.

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 2021-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with USAA Federal Savings Bank XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but USAA Federal Savings took cash. The finance charge is supposed to include insurance but USAA made me purchase insurance separately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am a victim of identity theft. Previously, I contacted the credit bureaus regarding an account that appeared on my credit report that was fraudulent. Being a victim of identity theft I provided a police incident report, an FTC report and requested verification of the account. The credit bureaus never provided any documentation regarding the validity of the account and the account was deleted from my credit report. However, it has reappeared.

Section 611 of the FCRA states : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted ...

Therefore, this account needs to be deleted.

Also, it is my understanding that according to FCRA the credit bureaus must inform the consumer within five days of any changes being made to the credit file. These credit bureaus allowed the reinsertion of this fraudulent account and never informed me of this reinsertion. The account I am disputing is XXXX  - account number 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 2021-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo customers recently received a notice stating that it will close all Personal Lines of Credit effective XX/XX/2021. 

As is common, these Personal Lines of Credit are typically used to provide overdraft protection, for consumers, at a much lower cost than other options. With the termination of these accounts the remaining options will be either 1 ) Pay an overdraft fee of {$35.00} per item, 2 ) open a Savings account ( and pay any associated fees ) to serve as overdraft protection and to pay a {$12.00} fee per transfer or 3 ) Open a Credit Card account and tie it to serve as overdraft protection and pay the Cash Advance fee plus a much higher interest rate.

The closing of these Personal Lines of Credit may be within the terms and conditions of the account, but Wells Fargo is unable to provide me with a copy of the account agreement despite multiple requests.
While most banks are making the effort to make it easier and less costly when an account has a temporary need for additional funds, Wells Fargo seems to be moving in the opposite direction and removing options and making it more costly when this occurs. These actions will certainly help Wells Fargo increase fee income while removing options for consumers to prevent overdrafts on their accounts.

In addition, the notice from Wells Fargo states that they will show these accounts as Closed by the Bank which will likely have a negative impact on the credit score of
consumers. This negative impact seems like a terribly unfair and deceptive way to treat long time clients who have handled their accounts responsibly for many years.

This just seems to be one more harmful act and unfair way that Wells Fargo is treating its customers who have supported it for over 40 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Previously, I contacted the credit bureaus regarding an account that appeared on my credit report that was fraudulent. Being a victim of identity theft I provided a police incident report, an FTC report and requested verification of the account. The credit bureaus never provided any documentation regarding the validity of the account and the account was deleted from my credit report. However, it has reappeared. Section 611 of the FCRA states : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted ... Therefore, this account needs to be deleted. Also, it is my understanding that according to FCRA the credit bureaus must inform the consumer within five
days of any changes being made to the credit file. These credit bureaus allowed the reinsertion of this fraudulent account and never informed me of this reinsertion. The account I am disputing is XXXX  - account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
A TransUnion credit report was pulled on my name on XX/XX/21 by XXXX ( XXXX XXXX XXXX ) but I have not applied for a loan with this company.

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 2021-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo customers recently received a notice stating that it will close all Personal Lines of Credit effective XX/XX/2021. 

As is common, these Personal Lines of Credit are typically used to provide overdraft protection, for consumers, at a much lower cost than other options. With the termination of these accounts the remaining options will be either 1 ) Pay an overdraft fee of {$35.00} per item, 2 ) open a Savings account ( and pay any associated fees ) to serve as overdraft protection and to pay a {$12.00} fee per transfer or 3 ) Open a Credit Card account and tie it to serve as overdraft protection and pay the Cash Advance fee plus a much higher interest rate.

The closing of these Personal Lines of Credit may be within the terms and conditions of the account, but Wells Fargo is unable to provide me with a copy of the account agreement despite multiple requests.
While most banks are making the effort to make it easier and less costly when an account has a temporary need for additional funds, Wells Fargo seems to be moving in the opposite direction and removing options and making it more costly when this occurs. These actions will certainly help Wells Fargo increase fee income while removing options for consumers to prevent overdrafts on their accounts.

In addition, the notice from Wells Fargo states that they will show these accounts as Closed by the Bank which will likely have a negative impact on the credit score of consumers. This negative impact seems like a terribly unfair and deceptive way to treat long time clients who have handled their accounts responsibly for many years.

This just seems to be one more harmful act and unfair way that Wells Fargo is treating its customers who have supported it for over 40 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We had transferred {$1800.00} from Chase Bank into the tiny XXXX XXXX XXXX XXXX  in XXXX XXXX to have work done that had to be canceled after a storm.Our jeep was totaled in a flash flood at our remote ranch outside XXXX XXXX on XX/XX/XXXX. We were unable to get home and stayed with friends who had no internet or transportation. We were able to get a ride to the XXXX XXXX XXXX XXXX  in XXXX XXXX to get temporary checks and to move money from this little used account back into Chase bank via our mobile app operational inside the bank the date of the transfer. While finalizing a {$4000.00} loan to get our jeep replaced, that lender suddenly withdrew without explanation. We subsequently discovered through a Chase branch manager in XXXX Texas on XX/XX/XXXX on our way back home to XXXX XXXX Texas that an actual freeze had been put on our entire account, not just a hold. While we seemed to have funds in the account on XX/XX/XXXX I proceeded to pay bills unaway at that time there was a freeze on the entire account. I requested Chase launch an investigation into all the communication between us and a department called Loss Prevention Team that withheld vital information about our account, gave contradictory instructions and have generally acted in bad faith. Chase refuses to launch an investition into the communication between us and their Loss Prevention Team.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal incorrectly deducted {$2200.00} from the mortgage escrow account on XX/XX/2021, when it tried to make a duplicate XXXX  tax payment. The tax had already been paid by the closing transaction attorney, as described in Navy Federals closing disclosure ( attached, prepaids page 2 ). The XXXX sent the check back to Navy Federal on XX/XX/2021 ( email attached ), but the funds have not been returned to the escrow account.

The incorrect escrow shortfall caused Navy Federal to raise our total mortgage payment by {$210.00} going forward. I contacted customer service about this three times, each time they said they would respond in 10 days but never did. The returned XXXX check should have been voided or cancelled, and the funds returned to our escrow account, and mortgage payment returned the original amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One recorded 5 late payments on my credit report. For years it was 4 but recently they tacked on a 5th. I was in a bad place in life and called to let them know I was I couldn't make my payments so I was told I was on a suppression program that would give me time to get back on my feet. For which I did. They claim I was told that the interest was only suppressed and not my minimum payment. I disagree and claim I was given misinformation. They have yet to provide the phone conversation that shows that I wasn't given misinformation or that I understood what I was being told. I would like to be sent this recording as well as statement for the entire year that they say my payments were late in. 

All the proff aside they have an opportunity to help someone out and retain a customer and yet they seem to be more interested in hurting my credit than anything. XXXX I will file these reports over and over again! You have already been repaid. You have nothing to gain by refusing to delete those late payments and are continuing to not just lose a customer but you are paying someone to deal with my complaints. Again I will continuing to file complaints and disputes over and over again. I will cost me as much money as I can until you do the right thing and delete those payments. 

Your stance his highly illogical and anybody in your management department reviewing this case should see that the logical cost effective way to handle this is to just delete the late payments and move on. Maybe I will appreciate the gesture enough to give you another chance one day and we can both profit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. TSI/XXXX  XXXX, $ XXXX-XX/XX/2021, 2. XXXX XXXX XXXX XXXX, $ XXXX-XX/XX/2021, 3. XXXX XXXX $ XXXX-XX/XX/2021. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. 
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , XXXX  , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things. 
For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : hXXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, XXXX  and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance. 
2. XXXX, XXXX  and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
In early XXXX i got a loan through mariner finance and they put a lien on a car that I am paying off. In XX/XX/2021 I lost my job and could not longer afford my car payments, so I was gifted a car and wanted to switch my lien to the gifted car so I could sell the one I was paying off ( to lessen my debt to income ratio ). 

Mariner finance will not allow me to switch my lien to the other car ( with a free and clear title ). They want me to apply for an entirely new loan or pay off the existing loan. I attempted to apply for a NEW loan and was denied because my debt to income is too high ( because I already have a loan through them and have a car I cant afford ) and they wont let my mom co-sign because she lives in a different state. This is frustrating because i already have an approved loan through mariner finance that I have been paying on and my debt to income ratio is high because of them. I just need the lien to be transferred so I can sell the car I cant afford. 

This seems illegal as they are telling me the only way I can get this taken care of is taking out another loan to pay off their loan so I Can sell my car. I am already in a bad financial situation as I have been paying two car insurances and a car payment I cant afford and they want me to take another loan out to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting an inaccurate credit score which has cost me the opportunity to obtain a hard money loan to buy my first real estate property to sell back on the open market. This has cost me the potential of making thousands of dollars. Seriously considering weighing my legal options if my credit report isnt investigated properly

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