vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has a policy to harm their customers and has harmed me in providing banking services in two instances, as follows : First Instance, I had a CD ( account # XXXX XXXX XXXX ) in the sum of {$36000.00} ( with accrued interest of {$1400.00} ) that I closed on XX/XX/2024 and with these funds and other funds same day opened, a new replacement CD ( account # XXXX XXXX XXXX ) for {$45000.00}, at Branch XXXX. 
Even though Wells Fargo did not suffer any harm or damage for having closed XXXX CD and invested the same funds in a new CD the same day, however, Wells Fargo penalized me, with {$130.00}. 
When I objected to paying these penalties, WF banker informed me that they are required to levy these penalties by the Bank Examiners, a patently false statement. I hereby seek refunds of the penalty {$130.00} and a statement of apology. 

Second Instance, I had another CD ( account # XXXX XXXX XXXX ) in the sum of {$98000.00}, ( with accrued interest of {$3900.00} ) that I closed and with these funds, same day, XX/XX/2024 opened a new replacement CD ( account # XXXX XXXX XXXX ) for {$95000.00} at Branch XXXX. 
Even though Wells Fargo did not suffer any harm or damage for having closed one CD and invested same funds in a new CD the same day, however, Wells Fargo penalized me with {$360.00} When I objected to paying these penalties, WF banker informed me that they are required to levy these penalties by the Bank Examiners, a patently false statement. I hereby seek refund of the penalty amounts totaling {$360.00} and a statement of apology.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Recent check my credit report notice I have fraudulent information on my credit report.Please remove this account from report it is hurting my ability to obtain credit.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Problem with fraud alerts or security freezes, Problem with a company 's investigation into an existing problem, Improper use of your report

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Problem with fraud alerts or security freezes, Problem with a company 's investigation into an existing problem, Improper use of your report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
MY latest dividend was endorsed not to myself but rather to CITI. CITI has not credited my account, nor have they returned MY bond. I've also sent a registered letter to XXXX XXXX, requesting my security interest not be withheld from me ; followed up with a brief note stating, " Hello XXXX, I'm following up on a registered mail item I sent you regarding account no. XXXX. Please respond asap. Regards , XXXX XXXX XXXX '' Both of my letters have been ignored. 

Note, LEGISLATIVE CONGRESSIONAL RECORD-HOUSE, page 78, XX/XX/XXXX, Title IV which outlines Sec. 401, the sixth paragraph of section 18 of the Federal Reserve Act : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, BILLS OF EXCHANGE or bankers acceptances acquired under the provisions of this act ; when such circulating notes are issued against the security of obligations of the United States the amount of such circulating notes shall be equal to the face value of the direct obligations of the United States so deposited as security : and, when issued against the security notes, drafts, bills of exchange, and bankers ' acceptances acquired under the provisions of this act ; SHALL BE REDEEMABLE IN LAWFUL MONEY of the United States on presentation at the United States Treasury or at the bank of issue. ''

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 2024-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter to Experian on XX/XX/2024 and asked them to validate this alleged debt. This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices.

More rights were violated when this debt collector used abusive and profane language against me in communication to collect on an alleged debt, which is a clear violation of 15 USC 1692d and constitutes harassment or abuse.

According to 15 USC 1692 ( 2 ) it states this ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 





I demand that this company remove account XXXX XXXX XXXX XXXX from all three credit reporting agencies due to the violations. If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against 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 2024-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
This year as well as last year my escrow was overdrawn. I have fixed it with my county both times however when I have contacted Mr. Cooper to have the current balance reassessed it has taken at least four months to resolved last year. This year, I have yet to be able to even have anyone acknowledge that this has happened. My mortgage is now currently doubled and there is a negative amount of {$800.00} in escrow despite my county having refunded the account. I have attempted to call Mr. Cooper on several occasions to speak with them to no avail. There is no direct way to speak with someone about this issue. I have sent several emails to them with all the proof needed to reassess my mortgage with the most recent email stating that their mailbox is full. I have recently come into contact with a group of people who have all had similar issues with Mr. Cooper and this is an ongoing issue with several people. I firmly believe this company is doing this on purpose to multiple people in order to have them default on their homes.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Carvana Group, LLC
State: FL

Complaint narrative:
Purchased the vehicle on XXXX {$22000.00}, put {$2000.00} down. made monthly payments of XXXX. Now XXXX of XX/XX/year>, balance is still {$18000.00}. {$3600.00} to the principal, {$9000.00} in interest. 

I had made complaints that the interest was not correct. they could not explain why. 
After doing some math they are charing 71.6596944 % interest. contract states 19 %. They also added {$14000.00} finance charge. along with a daily interest rate that is undisclosed. and a {$9.00} fee daily for late payments. 

I explained to them that the car was a lemon. Yet after a couple of months there is no warranty. I called the first week of the purchase, and stated all the problems. they said that for everything that would have to put my to fix that they would reimburse me. They did not. 

So I did a voluntary repossession. They asked why, and I explained to them that I would never be able to pay off the vehicle. I had that conversation many times with no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: NY

Complaint narrative:
I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I request that you conduct a investigation into these accounts and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process.

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 2024-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I bought a desktop computer along with its cables from Best Buy online on XXXX XXXX, 2023, for a total of {$130.00}. The items were delivered to me on XXXX XXXX, 2023, and I received the receipt confirming everything in order was correct and accurate. Upon receiving my monthly statement on XX/XX/XXXX, I noticed that the total amount was {$640.00}, which was inaccurate. I was able to identify the below items as fraudulent. 
XX/XX/XXXX BESTBUY.COM, XXXXBESTBUY {$400.00} XX/XX/XXXX BESTBUY.COM, XXXXBESTBUY {$98.00}. 
I contacted the customer support team at BestBuy to report that my credit card had been compromised. I informed them that there were XXXX items appearing on my statement that I did not purchase and did not recognize. They assured me that they would investigate the matter right away. They closed the old credit card and issued another new credit card. However, to my dismay, after XXXX days, on XX/XX/XXXX, I received an email stating that I had failed to properly identify the items, resulting in the dismissal of my case. I was left wondering how it was possible I did not identify and I m the one who called customer service to report an unrecognized purchase in my billing account. This information is both incorrect and misleading for Citi Bank/BestBuy credit cards . I pointed out the fraudulent items, providing specific dates of the suspicious activity, for them to conduct a thorough investigation. Additionally, I emphasized to the BestBuy/ Citi bank XXXX XXXX team that my BestBuy purchase order list account summary did not have these fraudulent items, which are listed on my credit card statement. Despite presenting ample evidence, they closed my case and demanded full payment. After I filed my case with the Office of Attorney General XXXX they opened the investigation, they requested a police report whereby I reported my case to XXXX police station on XXXX XXXX. Therefore, I am seeking assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Problem with fraud alerts or security freezes, Problem with a company 's investigation into an existing problem, Improper use of your report

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I sent letters to the bureau requesting METHOD OF VALIDATION ( not verification ) concerning the bankruptcy listed on my credit report. The bureau did not respond to the first request, so I sent a second letter. The bureau sent me a notice saying it was verified with the original company ( repo. I did not request VERIFICATIONI requested METHOD OF VALIDATION. And the bureau is not telling the truth, because I have an official statement from the bankruptcy court that says they do not verify information with any credit reporting agencies. I have enclosed all documentation attesting to all of this. The bureau is in direct and willful violation of the Fair Credit Reporting Act.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I sent letters to the bureau requesting METHOD OF VALIDATION ( not verification ) concerning the bankruptcy listed on my credit report. The bureau did not respond to the first request, so I sent a second letter. The bureau sent me a notice saying it was verified with the original company ( repo. I did not request VERIFICATIONI requested METHOD OF VALIDATION. And the bureau is not telling the truth, because I have an official statement from the bankruptcy court that says they do not verify information with any credit reporting agencies. I have enclosed all documentation attesting to all of this. The bureau is in direct and willful violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have took a look at my credit report recently and I'm honestly furious seeing my credit report reporting inaccurate information against me. I see inquiries that I did not authorize. According to 15 U.S. Code 1681c2, a consumer reporting agency shall block the reporting of information that results from an alleged identity theft. This is a form of identity theft. 

The following inquiries I did not authorize : Equifax and 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Experian are reporting incorrect information on my consumer file the account can not be verified as accurate because the information provided does not match. How was this account verified as accurate and what documents or person verified this information so I may follow up in the investigation myself. 

Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Finance other than personal XXXX XXXX XXXX XXXX : Payment after charge off / collection Paid, was a charge-off Payment Amount : {$0.00} Account Type : Open account Deposit ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im not responsible for 3 credit cards on my credit report because of identity theft. The accounts are XXXXXXXX XXXX, First premier bank and XXXXXXXX XXXX. I have filed a FTC identity theft report. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im not responsible for 3 credit cards on my credit report because of identity theft. The accounts are XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX I have filed a FTC identity theft report. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im not responsible for 3 credit cards on my credit report because of identity theft. The accounts are XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX. I have filed a FTC identity theft report. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I seen a lot of inquiries I did not authorize on all my credit bureaus!

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