vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
disputed on XXXX XXXX accounts reinserted bXXXX XXXX XXXX XXXX XXXX was deleted in XXXX and then reinserted without a 5 day notice in XXXX. Removed again on XX/XX/XXXX, XXXX as you see in documents. XXXX XXXX XXXXXXXX was deleted in XXXX and then reinserted without 5 day notice i n XXXX. Removed again on XX/XX/XXXX as you see in documents. Reinserted for a 3rd time without 5 day reinsertion notice XX/XX/XXXX. I wrote XXXX XXXX  a letter asking for proof of debt and showing it had been deleted prior. no reply for 5 weeks

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
On the beginning days of XXXX, someone called me and said they were from my bank account to notify me that I was getting scammed in Texas. I gave them information that Ive learnt later was very wrong to give. Informations like my birthday, address, full name, possibly the last XXXX of my SS. He told me someone was using my debit card information and XXXX put a stop on my account which Ive realized later why I couldnt access my account for a week. I was able to retrieve my account login just to find out I have {$8.00} left out of about {$900.00} I had before XX/XX/2023. Transactions that wasnt authorized by me was all located in XXXXXXXX XXXX. ( Ill be attaching the copies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Lvnv was taken off my experian report for misinformation. XXXX and XXXX will not remove, stating information is accurate but obviously it is not. Also XXXX XXXX XXXX XXXX. Was taken off my XXXX report for misinformation but XXXX and will not remove it stating information is accurate but obviously it is not. Please have these accounts removed from all credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We have had a business checking account at Wells Fargo since 1993. In fall 2022, Online Banking flagged me to visit a branch to update our records. At that time, we found over the years and through the mergers, our corporate bank account was a complete mess. The signature cards didn't come over correctly and there were no up to date documents. The local branch and myself set out to fix the account to get everything up to date. I had my corporate book, stock certificates, original signature cards prior to the merger, etc. Basically I had all the docs they needed on hand. It has taken months to get through this process. During this time, our office moved on XX/XX/XXXX and I put in a change of address. On the Wells Fargo back end, this created havoc in their system and started rejecting documents because the " address didn't match ''. So we work through that and sign Multiple beneficial owner documents because the back end kept rejecting it. The latest was rejected for a comma. Seriously, a Comma. Keep in mind all of the documents were prepared by your in branch staff, who have proven to be very capable and have stayed on top of these documents. On XX/XX/XXXX Wells Fargo freezes the account with absolutely no communication. This return all deposit and debit transactions and I have no access to the funds. The in branch staff have been helpful and have followed up a XXXX times over with back office with no favorable results. My account is frozen and no one can help. 
Absolutely no one cared about our account for 30 years. No one called, wrote, or tried to contact us to update the account and it results in the bank freezing our account. I have the scanned documents, I have proof with the branch associates. I have provided every single piece of information requested and our account gets frozen. This entire debacle has cost me and my company time and money. I have customer payments being returned and I have our vendor payments being returned. This is going to take so much effort on my side to untangle and the only people at Wells Fargo that care are the branch associates that have worked with me to try to fix their system with no success.

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 2023-01-11 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:
On XX/XX/2022 I sent a letter to the credit reporting bureaus regarding inaccurate and unknown items on my credit. I have reasons to believe that my information was leaked, there are accounts on my credit report that are not mine. I made the credit reporting agencies aware of this issue, but it has not been resolved. I demand these accounts to be deleted immediately off my credit report because it it breaking 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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter to the credit reporting bureaus regarding inaccurate and unknown items on my credit. I have reasons to believe that my information was leaked, there are accounts on my credit report that are not mine. I made the credit reporting agencies aware of this issue, but it has not been resolved. I demand these accounts to be deleted immediately off my credit report because it it breaking the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX credit card applications were were attempted to be opened in my name without my knowledge. I was able to block my credit report before the third was attempted on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX veteran and believe that Truist Bank is ignoring me due to my age. On XX/XX/2022 my computer was hacked by an unknown individual or party. They somehow got control of my computer and got access to my account with Truist Bank. They withdrew {$29000.00} and made a payment to my mortgage of {$1400.00} from my checking account. At the same time they made a {$5500.00} cash advance on my credit card. I called the bank immediately and told them that my account was hacked and there was fraud in progress. I was told they did not see anything and did nothing. I then called the Truist Fraud Department and made a report. I went directly to a branch on XXXX XXXX and spoke to a XXXX who then informed me exactly what had transpired with my accounts. She told me that the {$29000.00} from my checking and the {$5500.00} from my credit card was deposited to my savings account then XXXX additional payments of {$29000.00} and {$5400.00} were made to the mortgage from the savings account. The Fraud Department sent me a letter stating that the case was closed and that they were not pursing the incident because no monies were stolen. Any resolution would have to be made by the Mortgage Department. I had sent signed notarized affidavits stating that I did not make these transactions to Truist Bank. I proceeded to call the Mortgage Department explaining what had transpired and wanted those transactions reversed since I did not make them. I have been dealing with the Mortgage Department for over seven months and every time I called they promised to return my call and that they were getting ready to return the money. Meanwhile the Credit Card portion of Truist has been harassing me to pay up with interest and fees. I informed them on what had happened and that as soon as the mortgage department would return the money from Truist Mortgage I would be more than happy to pay the initial {$5500.00} minus any interest or fees. Why the hacker decided to play such a mischievous deed I do not know. Could be that I got my neighbor next door and he disconnected my computer from the internet as soon as he saw someone was scrolling through it and possibly the hacker was not able to complete his true intention. I did take the computer to XXXX XXXX to scrub it from any malicious software. I am including the bank statements from checking, savings, and mortgage. Also included is XXXX XXXX report, and letters I have sent to each department within Truist Bank which shows names, times, and dates of people I spoke to. I believe more than patient with this bank and believe their intentions are less than honorable. Any help you can provide would be greatly appreciated. 

Thank You, 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 monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: NY

Complaint narrative:
I received a letter from the firm XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX ) with reference number XXXX stating that I owed {$32.00} in unpaid tolls and fees to the Pennsylvania XXXX XXXX ( XXXX  XXXX ), which was apparently incurred with vehicle license plate XXXX XXXX. This debt was not incurred by me. I DO NOT own a vehicle and have never rented a vehicle, I DO NOT have a driver 's license, and I have never been to the State of XXXX. 
I called this firm at the provided phone number XXXX XXXX XXXX at XXXX ( ET ) on XXXX XX/XX/2023. I initially spoke to a representative who was unable to provide any useful information. I was subsequently transferred to a supervisor. After doing a check on the account, the supervisor said that the debt was incurred by someone with the same first and last name as me but with middle name XXXX and whose previous registered address was in XXXX XXXX, XXXX. My middle name is not XXXX and I have never lived in XXXX XXXX, NY. The supervisor acknowledged that I was not the person who incurred the debt. The supervisor said that the firm attempted to collect debts by matching only First Names and Last Names. She said that she would remove my address from the file in their system as I was not the person they were looking for. I requested a letter from the firm confirming in writing that I did not owe this debt and that the matter was resolved. The supervisor said that she could not do so, as the debt remained outstanding, but that she could only remove my address from the file. This is an unsatisfactory resolution as I do not have any record in writing that the matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I submitted my refund for student loans in XX/XX/XXXX with Aidvantage. The customer service told me that my loans would be reopened in 30 days and my refund would be in my account in XXXX weeks. I called them back and they confirmed my refund is being processed but it XXXX be another XXXX weeks from today XX/XX/XXXX before I will receive my refund. There is no clear answer to when my loans will be reopened and now the timeline just doubled when I have already been waiting XXXX weeks. All of my refund had been paid in the XXXX XXXX refund timeline. I want a refund electronically exactly how I paid them. I am disappointed in the constant misinformation and prolonging timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am on a financial relief program with this Discover for 12 months. It started in XX/XX/XXXX and will end in XX/XX/XXXX. While being enrolled in this program my new minimum monthly payment is {$150.00} for the first 3 months, then {$120.00} every single month for the rest of the year. Discover has even enrolled me in automatic payment and scheduled all the payments until XX/XX/XXXX, I have attached a screenshot of it to this email. I have made my XXXX minimum payment, I have also attached a screenshot of my checking account showing the payment made to this Discover with the reference number. Surprisingly, this morning I have seen that Discover has reported me 30 days late saying that they did not receive my payment, which is not true since I have proof of payment. Therefore I am asking Discover to immediately update my payment history and mark me current!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
inquires are showing up on my credit report that was not authorized by me.

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 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX pa XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX Address XX/XX/XXXX To Whom it may concern, On XX/XX/XXXX I checked my consumer reports and saw that their company had reported an {$650.00} I do not agree with the amount on my consumer reports. Pursuant to 15 us 1692g ( a ) 1 ). I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 us 1692g ( a ) ( 1 ) .Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information XXXX XXXX XXXX XXXX XXXX pa I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated. 
Best regards, 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 2023-01-11 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: LEXISNEXIS
State: FL

Complaint narrative:
I spoke with XXXX XXXX XXXX ) from XXXX ' XXXX consumer affairs department regarding an ongoing bankruptcy dispute. According to XXXX XXXX, XXXX XXXX is reporting to XXXX a bankruptcy which does not exist on my Lexis Nexis consumer file. I have attached the report received from Lexis Nexis and have submitted this report to XXXX on several occasions. Lexis Nexis is knowingly reporting inaccurate, unverified, and incomplete information to XXXX. I have attached a copy of the report from Lexis Nexis. Lexis Nexis has no permissible purpose and has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX I called trans union as well as the creditor to have fraudulent inquiries removed from my trans union report. And as of today XXXX they are still listed on my 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 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I have applied mortgage loan to New American Funding to purchase a townhome. The builder name was The XXXX XXXX XXXX Georgia XXXX. New American Funding ( the lender ) was the builder 's preferred lender. 

The closing date was XX/XX/2022. 

On XX/XX/2022, I got an email XXXX XXXX XXXX, who was the loan XXXX with New American Funding. She said my loan was fully approved and she asked me to sign the XXXX for the closing process. 

I asked her what would be my mortgage interest rate to be locked as of XX/XX/2022 because I had not been informed the interest rate information from XXXX until XX/XX/2022. 
XXXX said that she already locked the interest rate and the interest rate would be expired as XX/XX/2022. 

However XXXX & I had never discussed about the interest rate. Also, I had never signed to any disclosure to approve the interest rate lock. I asked her again how she could lock the interest rate without the borrower approval. XXXX said I approved the interest rate. So, I asked her to send me the evidence of my approval or the signed disclosure copy. She did not send me the evidence and said New American Funding did not make any mistake. 

The XXXX XXXX XXXX Georgia XXXX, the builder & the seller, said that they will terminate the contract as of XX/XX/2022 because I did not purchase the subject townhome. From XX/XX/2022, I asked the seller a couple of times to extend the closing schedule because I had the above problems with the lender. The XXXX XXXX XXXX Georgia XXXX answered me NO. 

So, I lost {$32000.00} of the earnest money.

Please let me know if there is anything you could help me. 

I look forward to hearing from you ASAP. 

Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX DEPT OF XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX I XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX, XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief