vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: FL

Complaint narrative:
It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.

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 2024-02-02 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: NJ

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XXXX XXXX made two deposits to my XXXX debit card account with Wachovia bank in XXXX, XXXX  : Here is the settlement reference number : XXXX & XXXX. The deposits were for {$1300.00} and {$570.00}. XXXX has never credited these deposits and so called Customer Suport has stonewalled finding them. They just tell me to use their chat function but it always times out before a " live agent '' responds.

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 2024-02-02 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: IN

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-02-02 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: IN

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I have a conventional mortgage with NewRez. In XX/XX/XXXX they placed a Lender based Insurance on it even though we have no escrow as we pay our own through XXXX XXXX. They never informed us. Then in XXXX I noticed that the payment had changed from {$1200.00} to {$2700.00}. I got on the phone on XX/XX/XXXX and after 1 hour they told me they needed the HOA/association insurance papers not mine. I sent it to them. Nothing happened. No action no adjustment. Called them back XX/XX/XXXX was told they needed another year of HOA sent them that immediately, no action, then on XX/XX/XXXX called as payment was pending. Was assured its all fixed but no the payment was pulled extra {$1400.00} and also insurance has not been refunded. Now its XXXX still nothing, payment still shows as {$2700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I asked Wells Fargo bank to send me the statements of a checking account I had with them from XXXX thru XXXX. The account was opened in the XXXX XXXX branch of the Bank. 
The bank said that as they can't verify that its me who is asking for the information over the phone I have to personally go to a branch and ask for it. 
I am now living in XXXX and can't go to the US. 
I asked them to send it to the email or phone number asociated to the account but said they couldn't because the system did not allow them to do so.

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 2024-02-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Yamaha Motor XXXX, Capital One and XXXX XXXX all show as chargeoff which means they have all been turned into certificates of indebtness and can no longer be reported on my credit profile. Reporting is also a violation of the Privacy Act of 1974. It is also illegal to report my transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: ID

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX and Onemain Financial all show as chargeoff which means they have all been turned into certificates of indebtness and can no longer be reported on my credit profile. Reporting is also a violation of the Privacy Act of 1974. It is also illegal to report my transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Dear CFPB, My name is XXXX XXXX. I have a fraudelent hard inquiry on my equifax report from XX/XX/XXXX. I never applied for a XXXX  account. I contacted XXXX  on XX/XX/XXXX and spoke with a supervisor by the name of XXXX who submitted a deletion request to remove the account and estimated the inquiry would be deleted in 30 to 60 days.I 've contacted equifax multiple times to remove the inquiry and have even sent equifax a letter, proof of ID, proof of residency and an ftc complaint. On XX/XX/XXXX I spoke with XXXX from equifax who confirmed they recieved the deletion request and promised to remove the inquiry. They even gave me a confirmation number which is XXXX. On XX/XX/XXXX I called equifax again due to the inquiry still showing on my report. I spoke with XXXX, who submitted a new deletion request to remove the inquiry. He assured me the inquiry would be deleted within 30 days. He gave me another confirmation number which is XXXX. Today the inquiry is still on my report. 

After filing a complaint with the CFPB already on XXXX, equifax reponded stating the inquiry has been deleted from report. This is not true. As of today, XXXX, the inquiry is still on my equifax report. I've attached a screenshot of the inquiry from XXXX XXXX XXXX. I've also uploaded my entire report from anual credit report the inquiry is on page 39. This is my most recent report, dated XXXX. The inquiry is still showing. Please assist me with holding equifax accountable and removing this inquiry from my report permanantly. I have attached the ftc complaint and deletion lettter I sent to equifax. 

Best regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc.
State: MO

Complaint narrative:
I did an application with ( Avant ) for a personal loan of {$35000.00} on XX/XX/XXXX I requested in writing the factors involved in the consumer transaction under Title 15 USC 1611. ( Avant ) will not let me know why I was denied an extension of my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NC

Complaint narrative:
So my account was paid because it was total in a car accident WESTLAKE financial is falsely report my vehicle as being repoed

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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: RI

Complaint narrative:
I contacted chime bank about a holding pending transaction. That XXXX said that they canceled XXXX days ago {$150.00} Chime has since then held my money for more than XXXX  days and refuses. To let me speak with a supervisor I spoke with XXXX a call representative. There's no one to really speak to. And I've been giving a run around and nobody wants to Settle. This is problem so I am contact with you guys. To file. This complaint as well thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: FL

Complaint narrative:
XX/XX/XXXX Dear Equifax : This is a brand new complaint - you need to remove these unauthorized hard credit inquiries that are damaging my credit. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Please remove all the above inquiries from my credit report.

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Nothing happened but I am writing to shame Home Depot for sending out notices to card holders stating they will start charging a whopping 29.99 % interest beginning XX/XX/year>. Highway robbery and, of course, this will hurt the " little '' person who has home damage from tornadoes, hurricanes, storms, etc. Home Depot is just in time for the tornado season.

Shame! Shame! Shame! 
Regards

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 2024-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
XXXX years ago in XX/XX/2021, my son had an XXXX  visit with 5 days without insurance. The hospital, XXXX 's XXXX  of Colorado neglected to work with me despite numerous contact attempts, and ignored me for over a year. XXXX 's then sent me to collections with BC Services who again, did not respond appropriately to attempts to correct the balance owed. BC Services after 1 year of ignoring every request along with XXXX XXXX XXXX XXXX Colorado tried to sue me, and sent a police officer to my door. Under the immense pressure of having police at my door for my son 's emergency medical debt, they made me set up and sign an agreement for payment. This was only after I was being sued and sent to court. There are phone recordings of me crying hysterically and BC Services not paying attention or following appropriate protocol. I since, have again reached out to XXXX XXXX XXXX XXXX Colorado and sent notice to BC Services that payment would be on hold until any discrepancy was rectified.

I have put in 2 complaints with BC Services now, and they have simply been closed with no additional explanation. This collection company is not honest, and they are not following protocol. I find this to be a violation of rights set forth by Colorado laws regarding medical debt and I am astonished that this can keep happening. 

My most recent letter ( sent to an old address ) is " RE XXXX '' From BC Services Legal Supervisor, 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 2024-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WSFS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a notice from my credit monitoring software that my score had gone down from the XXXX range to XXXX range. Upon investigation, I found that WSFS Bank reported to all three credit bureaus that our XX/XX/XXXX payment was over 30 days late, when according to their own website ( attached ), and confirmation email ( attached ), the payment was confirmed on XX/XX/XXXX. After a brief discussion with officials at WSFS Bank, I decided to simply file a dispute with all three credit bureaus. After a week or so, all 3 credit bureaus reported the WSFS records were " accurate '' ( according to WSFS ), even though I attached the same confirmation documents as I am attaching here. The bureaus said their " hands are tied '', so I went back to WSFS and spoke with a " Manager '' name XXXX. She confirmed that the transaction was completed on XX/XX/XXXX, but informed me that the bank would not adjust the payment date according to the actual confirmation date because " they don't process payments on the weekend ''. We are at the mercy of their processing, if you make a payment at the end of the month, and basically they will report you past 30 days to the credit bureaus even though 30 calendar days has not past. Under FCRA, " if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. '' Obviously, this bank does not care that their own internal policies are not only creating conflicting/inaccurate information, but also unfair, and goes against the very nature of the FCRA to protect consumers from banks and the bureaus doing whatever they want.

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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My issue with Navy Federal is all of the untruths I have been told by this Institution last month. I was involved in a XXXX investigation and I understand that it was careless of me to share my account info with a company that I thought was Legit. However, I made requests that were not honored. I was told things that were not true. Then when I called to ask for these untruths to be rectified and to speak with a Supervisor. The Supervisor was loud, over talked me, and proceeded to hang up on me! How unprofessional is that? So I have currently lost $ XXXX $ XXXX {$340.00} to this bank when I was told I wouldn't. I have yet to receive a phone call to talk to somebody with compassion. All they can tell me is that they are sorry but refuse to go back and listen to the phone calls and honor my request. Thats all I ask. Honor my request as the customer. Tell me what is going to happen up front. Not after the fact and continue to be rude and unprofessional. Im a customer who trusted this bank with all of my income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS 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.

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 2024-02-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I changed my post office box. My Mailing address. I never use this credit card and actually planned to cancel it. I am in a dispute with a merchant that auto-charged to this credit card because they didn't accept my real credit card type. 
I tried to give Cap One my new mailing address, after security clearing with them. They are demanding my phone number to security text me. I refused and they will not make any alternate form of secure verification. All methods require me to provide my phone. 
They literally said to send my driver license, but since I just changed my address it offers no proof! They said they will decide once they have this private information if I am telling the truth or not. I believe this is merely an attempt to get my private data and they are trying to blackmail me into giving them data they do not have. 

ALL, every single one, of my other credit providers including my mortgage simply changed my address once I security cleared. I used to work for XXXX XXXX XXXX and they changed people 's mailing addresses without any hassle all the time. My electric company, telephone company, water bill all allowed me to change over the phone after verifying.and security clearing. 
They WILL allow me to cancel the card over the phone. Isn't that interesting? 

Furthermore, I am also going to ask you to ask them to send me the credit balance on my account which is like {$2.00}, which they have previously refused to provide me. They will only send it if I cancel the card. They are mad that I will not cancel the card, pretty obviously, since I am not using it.

Company response to consumer: Closed with explanation