vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter dated XX/XX/2022 with accompanying documents to all three credit bureaus via Certified Mail asking to change my name and XXXX XXXX ( where applicable ) in all of their systems. I specifically requested that my name be reflected in my credit information, including my online accounts as neither credit bureau lets you update it yourself or online. I spoke with each credit bureau separately to get the current instructions to update my name and XXXX XXXX in their system and included every piece of information they asked for in this letter and I made the same specific requests I listed above in my letter. I also included copies of my court order approving my nameXXXX XXXX, my driver license, a pay stub, and a bank statement. None of the bureaus let you go through the dispute process to do this. About a month or two later ( unfortunately, I don't remember the exact date. ) I got a random credit report in the mail with zero explanation of my dispute. I saw that my legal name was listed in my report and that was it. To date, I have not received a single piece of information about my dispute, what was done about it, conclusion of it, etc. I have no idea what is going on with my information. When I log into my online accounts, it still has my dead name on my accounts and it is very frustrating and distressing to see it when it should an easy fix. Throughout this process, I have received random emails about a " dispute resolution '' from XXXX with a reference code to log in and access the information. Every single time I try to read this alleged " resolution '' it always says that it can not provide with the information. It is absurd. The credit bureaus have integrated all other changes to my contact information from my banks, yet refuse to update my name when I updated it with my banks. I feel discriminated against as a XXXX person that my information is being treated differently than other consumers. I am baffled and incensed that XXXX major credit bureaus can not manage to provide direct, decipherable information when they require extremely sensitive and private information from consumers. For example, I have been trying to submit an online dispute on XXXXXXXX XXXX website for the past week and a half and the webpage doesn't work, so the only option is to call them, which is impossible and useless. Consumers have the right to submit disputes, especially in ways that are accessible to all consumers.

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 2022-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter dated XX/XX/2022 with accompanying documents to all three credit bureaus via Certified Mail asking to change my name and XXXX XXXX  ( where applicable ) in all of their systems. I specifically requested that my name be reflected in my credit information, including my online accounts as neither credit bureau lets you update it yourself or online. I spoke with each credit bureau separately to get the current instructions to update my name and XXXX XXXX in their system and included every piece of information they asked for in this letter and I made the same specific requests I listed above in my letter. I also included copies of my court order approving my name/XXXX XXXXr, my driver license, a pay stub, and a bank statement. None of the bureaus let you go through the dispute process to do this. About a month or two later ( unfortunately, I don't remember the exact date. ) I got a random credit report in the mail with zero explanation of my dispute. I saw that my legal name was listed in my report and that was it. To date, I have not received a single piece of information about my dispute, what was done about it, conclusion of it, etc. I have no idea what is going on with my information. When I log into my online accounts, it still has my dead name on my accounts and it is very frustrating and distressing to see it when it should an easy fix. Throughout this process, I have received random emails about a " dispute resolution '' from XXXX with a reference code to log in and access the information. Every single time I try to read this alleged " resolution '' it always says that it can not provide with the information. It is absurd. The credit bureaus have integrated all other changes to my contact information from my banks, yet refuse to update my name when I updated it with my banks. I feel discriminated against as a XXXX person that my information is being treated differently than other consumers. I am baffled and incensed that three major credit bureaus can not manage to provide direct, decipherable information when they require extremely sensitive and private information from consumers. For example, I have been trying to submit an online dispute on XXXXXXXX XXXX website for the past week and a half and the webpage doesn't work, so the only option is to call them, which is impossible and useless. Consumers have the right to submit disputes, especially in ways that are accessible to all consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am an XXXX XXXX that opened a checking account with Chime Banks. At the time their digital platform didnt require valid identification therefore I was able to successfully open an account. After depositing my money into the account, Chime claimed that during routine monitoring of accounts on Chimes platform, we identified unusual activity. They ultimately closed my account when I couldnt provide them a government-issued photo ID. At the time of closing my account, the balance was {$4800.00}. 

I have repeatedly asked them to refund my money by mailing me a check, but they have refused, citing that I need to provide a valid government id and other documentation that I don't have. 

Chime has created a mousetrap for XXXX XXXX to deposit their money and then requires a government issued photo ID and other documents that we can not provide. Chime is now holding my money knowing that I cant fight for what is mine. 

My position is that Chime should not be allowed to keep my funds, if they decided to change the requirements they should allow me to close the account properly and return what is mine. 

In conclusion, Chime bank is legally stealing from me. They should either issue me a refund by mailing a check to the address on file or send the funds to the State of Californias unclaimed property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: TX

Complaint narrative:
I am a victim of identity theft, and XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MS

Complaint narrative:
o all FHA, VA, Brokers & Financial institutions of any type. My home is a single family home at XXXX XXXX XXXX XXXX, Ms XXXX their is one septic system, one address, one water connection, one electrical connection, one driveway Period. For some reason they want to list my home asa duplexto do something bad to my FHA Or Va mortgage. Several have questioned me often. What is going on and what is their plan?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: OH

Complaint narrative:
On XX/XX/2022 I received notice from my mortgage company XXXX Primary Residential Mortgage that my payment was going to increase on XX/XX/2022 by {$440.00} a month. 
I have called several times and even submitted a formal complaint with no resolve. 

I was told they miscalculated my property taxes at close and are needing me to make up the difference ( backpay ). 

The previous owner was on homestead tax program and they went off of that. 

I received a 2 week notice and the company made it very clear there is nothing i could do. 

If I had this information I would not have gotten the house. I made it clear I needed to stay around {$1000.00} a month or less. My payment is now over {$1400.00} with this adjustment. I have been paying it so I do not have a mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
We are XXXX citizens living in XXXX. Wells Fargo is closing our bank account with them in their DC branch because we do not have a XXXX address. This is due to the US Patriot Act. That Act does not stop any XXXX bank from having a non XXXX address. It is because of the extra cost of Patriot Act due diligence that Wells and increasingly other XXXX banks are denying bank access to XXXX citizens and taxpayers that live abroad.

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 2022-05-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  : XXXX XXXX XXXX via XXXX Credit Bureau, has violated my rights. 
XXXX XXXX  : XXXX XXXX, has violated my rights. 
XXXX XXXX  : XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  : XXXX XXXX XXXX via XXXX Credit Bureau, has violated my rights. 
XXXXXXXX XXXXt : XXXX XXXX, has violated my rights. 
XXXX XXXX  : XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
I called the job I worked @ and they got in touch with the insurance co which emailed me yesterday and it stated I was covered under insurance going back to 2017 and the office never submitted the bill for payment. XXXX also stated it is too late to send the bill now for paymentt. I emailed the response over to Phoenix Financial XXXX yesterday. I also called the credit agencies to get it off my report which dropped my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent my disputes multiple times out to the credit bureaus fighting this issue as off XXXX, XXXX and XX/XX/2022 its getting very serious because there starting to take points off due to me complaining to the CFPB AND Also ignoring my request. I told the credit bureaus to re '' investigate every piece of information '' on the accounts i have listed below. but they never did a full investigation. 
ACCOUNT : XXXX  XXXX XXXX According to the FRCA the term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account were verified and updated but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this accounts are still not reporting 100 % Accurate. and according to the FRCA 15 USC 1681 everything has to be Accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
On XXXX I was notified by XXXX that a credit inquiry had been done on my account through XXXX by XXXX XXXX. Having not applied or any knowledge of new credit or AVANT I contacted Avant to obtain more information which they were not forthcoming with. After several calls I eventually made it through to a fraud area at Avant and filed and inquiry on XXXX indicating I had not applied or had knowledge of business with Avant. On XX/XX/XXXX I received an email from Avant indicating a credit card was approved and issued in my name while requesting completion of an affidavit. After completing their affidavit, police report, and IC3 report I submitted to them the requested information on the same day. On XX/XX/XXXX I received a similar email requesting similar information again which I again replied with the affidavit as they had asked. On XXXX XXXX notified my the credit card now had a balance and I again called Avant asking for them to stop the card. They do not seem interested in terminating the card in a timely manner given the seriousness of the issue. I am concerned they may be trying to collect fees or falsifying accounts similar to what XXXX XXXX did several years ago. Very frustrating and time consuming for a consumer who has worked hard to obtain excellent credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, according to the Wells Fargo process to receive the Escrow funds, I would need to provide a copy of the Divorce Decree and any documents stating I have ownership of the property. I have provided all the documents including a signed statement notarized from the now ex-spouse stating he is not entitled to any money from the said property. I reached out to a local Wells Fargo bank and the branch manager XXXX sent the fax directly to the Mortgage Correspondence department. Less than two weeks, I discovered the check was sent to the ex-spouse due to him calling and changing the address of the documents. The check was stopped and reissued and mailed to my property address with both parties ' names. I understood the check would come in that manner since the documents sent would take time to process. I contacted WellsFargo customer service on XX/XX/2022, discovering the documents were not received although I had received a fax cover sheet with a successful receipt of the XXXX pages. Again I resubmitted the documents from the same branch with a second successful submission. I reached out to Wells Fargo on XX/XX/XXXX to discover again the document was not received although the fax cover page stated the transmission was a success. I figured out this time, but talking with XXXX who is a representative of WellsFargo, XXXX, and XXXX XXXX ( Supervisor of XXXX ) I can resubmit via email provided by XXXX. The email was not a correct email which I verified with XXXX XXXX prior to hanging up the phone on XX/XX/XXXX. On XX/XX/XXXX, I was informed that the documents I faxed via my cellphone were in fact received and it would take 45 days to process the XXXX check, which is not in compliance with the regulator laws. My closing took place with Wells Fargo on XX/XX/2022, and it is now XX/XX/2022. According to the regulation, Wells Fargo has 15 business days to process the refund. I am unable to get any responses if the bank will comply. I have been assigned a case number however, the number means nothing when the group responsible is unavailable..Wells Fargo does not take the regulatory process seriously and will need to be held accountable for the lack of processing within the timeline.

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 2022-05-06 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX - XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-06 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: PNC Bank N.A.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This complaint relates to Complaint ID XXXX Ally Financial Inc. filed a false Federal Form 1099C in violation of Treas. Reg. 1.6050P-1 and N.Y. Personal Property Law 343 ( 2 ). Ally abandoned any right to collection several years ago because it lacked any basis in law, or fact, to prosecute any claim for collection given its failure to serve the proper notices as required by the state statute and given the lack of merit to any claim of damages to the vehicle. The fact that no receivable could have possibly existed as a matter of state law, would preclude Ally from waiving or forgiving any monetary amount. You can't cancel or forgive a debt that never existed. 

I am respectfully enclosing copies of my most recent letter to Ally dated XX/XX/2022 together with XXXX exhibits to substantiate my complaint.

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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the XXXXompany/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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