vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
After submitting multiple disputes with the XXXX major credit bureaus and reviewing the results of the investigations, Discover continues to fail to remove this inaccurate and incomplete Discover account from my consumer report. Discover has been in direct violation of the following including but not limited to : - 15 U.S. Code 1681e ( b ) - FCRA Section 807-8 - FCRA 623-B - Defamation of character I've made multiple efforts to resolve this matter by sending formal letters with documentation highlighting the discrepancies between the consumer reports of the 3 major credit bureaus to submit to Discover for investigation. However, Discover did not complete a thorough investigation and proceeds to openly violate federal statutes and my personal rights casting an unwarranted shadow on my character, creditworthiness, and overall financial standing furnishing this inaccurate account.

I ask that the Consumer Financial Protection Bureau step in to bring attention to this pressing matter and demand a DELETION of this inaccurate and incomplete account from my consumer report of XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We were victims of wire fraud involving our CapitalOne account on XX/XX/XXXX. We sent about {$32000.00} to pay what we thought was the remainder of balance on our flooring purchase. We were informed on XX/XX/XXXX by the company that they were hacked with several other customers involved. We initiated recall with CapitalOne on XX/XX/XXXX. We are now at almost 6 weeks and still don't have an answer. We feel we are in the dark. XXXX is unable to help since we do not have account with them. CapitalOne is telling us they are waiting for XXXX to respond, XXXX is only able to tell us and only after filing a complaint that they have responded to CapitalOne. It appears that the two banks are responding but not communicating. We are unable to speak with anyone from Capitalone directly involved with figuring out this wirefraud, only that they will forward my message to the proper department. We have been customers with CapitalOne savings for more than a decade starting in XXXX with XXXX, subsequently taken over by CapitalOne. CapitalOne has used large sums of our funds for their investment with a very miniscule return for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo was fined and ordered to remit payment for damages to consumers for REPEATED misapplied payments from XX/XX/XXXX to XX/XX/XXXX. Wells Fargo issued me a check on XX/XX/XXXX for {$9.00}. The check was for {$7.00} misapplied payments and {$1.00} for the time I did not have the money. Providing {$1.00} for misapplied payments for XXXX is absolutely absurd. Wells Fargo charge a late fee when car payments arent made in time, therefore Wells Fargo need to also pay me for every month they were late, paying the alleged {$7.00}. Furthermore, Wells Fargo provided no explanation of HOW the {$7.00} was accessed for the REPEATED misapplied payments. There is no doubt in my mind that Wells Fargo misapplied MORE than {$7.00}. Wells Fargo continues to REPEATEDLY violate consumer laws. In the past Wells Fargo fraudulently charged me for XXXX XXXX, when I already had auto insurance, I had to argue with Wells Fargo for several months and provide proof of insurance to dispute the unfair compensation Wells Fargo provided for the fraudulent CPI insurance. Now, here we are yet AGAIN with ANOTHER CONSUMER LAW VIOLATION. The CFPB ordered Wells Fargo to remit payment for damages and {$1.00} is a NOT SUFFICIENT amount for damages for this new misapplied payment violation. At this time Wells Fargo need to ALSO pay me PUNITIVE DAMAGES due to REPEATEDLY VIOLATING MY CONSUMER RIGHTS!

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 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
During the first week of XX/XX/2023, I called SPS and asked for my Re-Occuring ( ACH ) payments scheduled on the XXXX of every month to be removed as I will make the payment online myself. So, I made my payment online on XX/XX/XXXX or so. The next thing I know is SPS also deducted my monthly mortgage payment from my bank account, so I was charged twice for the same month. I had no choice but to call my bank to reverse the payment. Then, SPS considered this as an NSF on my payment history for the month of XX/XX/XXXX XXXX  ( this is not fair ). 

Ironically, the same exact thing happened again in XX/XX/ ( my bank account was debited twice for the same payment. Although, I did call during the first week of XX/XX/ and advised SPS to please cancel my SUTO pay. 
I requested an investigation by their Customer Advocate Team and the results were not acceptable. Does SPS claim that they have no record of me asking for the Autopay to be canceled? really? why would I make a payment knowing that I have Autopay scheduled?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX ED/XXXX  # XXXX, ED/XXXX  # XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX has violate

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 an 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 non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have made all my payments on time and even made a very big payment on my account last week. I got an email yesterday that my account was closed because of no real estate or revolving accounts on my credit. This card is the last one that I have gotten. I had all of the revolving accounts that they say are on my credit when my card with Synchrony was approved in XXXX. I have never missed a payment or been late. I can't even get into the account now to prove my payment history but I can pull bank statements. I tried calling them and the supervisor laughed when I told her about it being closed and said that they can close accounts if they want. I told her it is really sad that you close accounts in good standing. The account was opened in XX/XX/XXXX and payments were as follows : XX/XX/XXXX {$100.00}, XXXX {$100.00}, XXXX {$120.00}, XXXX {$140.00}, XX/XX/XXXX {$140.00}, XXXX {$140.00}, and XX/XX/XXXX {$500.00}. The card was closed and cancelled by Synchrony on XX/XX/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 2023-08-17 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: NJ

Complaint narrative:
Hello, My self XXXX XXXX XXXX SOCIAL ending with XXXX. Date of birth is XXXX XX/XX/XXXX. 
There is showing XXXX XXXX XXXX credit card account on my Social number. but I never applied for XXXX credit card. 
I was not in united states from XXXX XXXX to XX/XX/XXXX. 
I just checked my credit report and I came to know that there is XXXX XXXX account is open. 
I would like to remove that activity from my account because it is affecting my credit score and company 's 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 explanation
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, My self XXXX XXXX XXXX SOCIAL ending with XXXX. Date of birth is XXXX XX/XX/XXXX. 
There is showing XXXX XXXX XXXXXXXX credit card account on my Social number. but I never applied for XXXX credit card. 
I was not in united states from XXXX XXXX to XX/XX/XXXX. 
I just checked my credit report and I came to know that there is XXXX XXXXXXXX account is open. 
I would like to remove that activity from my account because it is affecting my credit score and company 's 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 explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland credit management took legal action by summons. I had to go to court. I received no letter from original creditors to dispute. I knew nothing of this debt. Until I was served a summons to which I had to appear in court to dispute. Upon asking midland credit management about not receiving any prior notice of original creditors they responded they dont have to provide a letter from original creditor to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, I am verifying that I, XXXX XXXX XXXX, I am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I receive a loan for XXXX dollars and deposited into my business bank account ending in XXXX from JP Morgan Chase Bank. 
in the morning of XX/XX/2023 I went personally to the location of XXXX XXXX XXXXXXXX XXXX ( chase bank ) asking for XXXX in cash because I'm in the process of acquiring a restaurant and also buying used cars at the in auctions which only accept cash. 
they happily helped me but due low cash in branch only provided me with XXXX dollars and advised me to visit a SECOND Branch to withdraw the rest. 
As advised I directed myself to the second location ( XXXX XXXX XXXX, XXXX, NY XXXX ) CHASE BRANCH and I was attended by XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( not sure about the last name ) I explained her what I needed at the moment with all documents in hand but she denied to provide me service and the funds even when having me in front of her with my ID CARD, SOCIAL SECURITY AND MULTIPLE CHASE CARDS PERSONAL AND BUSINESS. 
SHE TOOK MY documents PLACED A restrictions in all multiple accounts which got into effect 3 hours later, leaving me without money or resources to exist. 
HER WORDS WERE I CAN HELP YOU BUT NOT TODAY ILL CALL YOU LATER TODAY TO HAVE IT READY. 

She denied me the service because how I was DRESSED, my SkiN COLOR AND MY NATIONALITY AS XXXX. 
I FELT TOTALLY DISCRIMINATED, OFFENDED AND MISTREATED. 
WHY do I say that I felt and still feel TOTALLY DISCRIMINATED, OFFENDED AND MISTREATED Because when I left that branch previously mentioned ( without knowing what she did with my documents ) I drove to the next location looking to complete the funds in order to start with the business which was the XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX. ( CHASE BRANCH ) once I arrived to the 3rd location they were more than happy to help me and provide me with the funds requested XXXX dollars. 

why do I write this letter because no one should be discriminated, mistreated, violated or offended for their skin color, race, education level or nationality. 

If the 1st branch was able to help me providing my funds and also the 3d one But the 2nd Branch decided to hold the funds deni the service and on top of that lock my account with no previous notice, without giving me the Opportunity to get money for gas, food or any other personal need. 
since all branches has the same bylaws and follows the same rules because they are the same company and one person because of how I looked at that moment refuses to provide service or help with my request instead blocked my accounts violated my rights ITS BECAUSE ( SHE SAW WITH PERSONAL PERSPECTIVE ) NOT AS A CLIENT SHE DISCRIMINATED ME. 
once I head back to the lawyer office, it was there when I noticed all my accounts were blocked leaving me in shock and without funds. 
not a single notice before. 
NOT ALL XXXX ARE DRUG DEALERS IM NOT ONE thank you NOT my first language but hopefully you will undertand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
KOHLS DEPT STORE IS FRAUD, THEY TELL AND LET THEIR EMPLOYEE 'S TELL CLIENT WHEN APPLYING FOR A CREDIT CARD " IT WILL BE A SOFT INQUIRY '' IT IS NOT, THEY HIT MY CREDIT REPORT WITH A HARD AND SOFT INQUIRY, THEY WILL NOT REMOVE IT, THEY ARE COMMITTING FRAUD AND GETTING AWAY WITH IT. TRY AND DISPUTE AND THEY SEND YOU TO SOME OTHER COUNTRY WHERE YOU CAN NOT UNDERSTAND THEM ( PURPOSELY ) YOU CAN NOT HAVE XXXX, XXXX, XXXX REMOVE THIS INQUIRY. THEY KNOWLY ARE DOING THIS BECAUSE I SPOKE TO AN EMPLOYEE AND SHE STATED THEY GET A SMALL COMMISSION BY PULLING THIS FRAUDULENT ACT AND DO IT DAILY BY THE HANDFUL TO MAKE A BUCK TO THEIR EMPLOYEE 'S THAT BASICALLY MAKE MIN. WAGES. ANOTHER USA DOWN THE TANKER DUE TO MAKING THE OH ' MIGHTY DOLLAR DUE TO CORPORATE FRAUD AND GREED $!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been trying to work with Chase bank for many months and was told that I would not receive assistance unless I was past due, then I was told that I do not qualify for a hardship plan. I filed a complaint with the company but while they investigate my account continues to get delinquent and is reporting as such on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My federal student loans were transferred from Great Lakes to Nelnet in 2023. On XX/XX/2023, Great Lakes informed me that the balance that would be transferred would total {$78000.00}. When I checked the Nelnet balance in XX/XX/2023, the total under the account was {$78000.00} which is different from the balance that I was told in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$0.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$0.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$770.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: PA

Complaint narrative:
THIS IS NOT A DUPLICATE REPORT! This is a complaint on the failure to add POSITIVE items that should be being reported. I have contacted the vendors, and they said that they are reporting each file to all three credit agencies. I have tried MULTIPLE times to have this error fixed! I have attached the files in question.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received my credit report on XX/XX/XXXX and notice there were hard inquires on there and that don't have permissible purpose to be on there. These hard inquires are hurting me from getting approved. I already reached out to the credit bureaus multiple times and they keep violating my rights under 15 USC 1681b. I also have attached the hard inquires that don't have any reason to be on my credit report. XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/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 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
account XXXX XXXX is trying to have me pay on a matter that is nearly XXXX XXXX XXXX and for which no monies are due received letter dated XXXX concerning XXXX bill from XXXX  and then sold to XXXX asset management I am a XXXX male diagnosed with XXXX XXXX XXXX.As a result of the stress from this matter my condition is worsening

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: PA

Complaint narrative:
THIS IS NOT A DUPLICATE REPORT! 

This is a complaint on the failure to add POSITIVE items that should be being reported. I have contacted the vendors, and they said that they are reporting each file to all three credit agencies. I have tried MULTIPLE times to have this error fixed! 
I have attached the files in question.

Company response to consumer: Closed with explanation