vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
i have had issues with particularly Wells Fargo Bank because they closed my bank without me knowing the reason they did that was because there was too many claims on the account and it was closed permanently and i had to get a new account with a different bank. They financially hurt me really bad by having to look for a bank and handle finding a bank was very difficult finally i found a bank and now all my money is in that bank right now i just have one bank. Wells fargo handled my account unprofessionally and i just was upset how money was being missing and overfdraft fees were added on multiple times so i got that situated finally but that made my account neggative so im hoping to get compensated for all this turmoil wells fargo has caused me. Now that the case is closed in the federal court we can handle this professionally. Im hopoing to get atleast {$10000.00} or about that or around that in compensation for the frustration that Wells Fargo caused me and my business with them. I am XXXX  and this was not handled properly. Just wanted to let you know there is a fair shake claim still active some one needs to respond to that case number is XXXX just wanted to let you know whoever can respond to that would be greatly appreciated thanks or you can respond here it be better if you did both and respond here and the fairshake claim XXXX XXXX in escalations was handling the case earlier but stated it was in the federal court now its not its been closed since XX/XX/23 i just want some one to compensate me for all this trouble that wells fargo has caused so either way you gon na have to respond to to the fairshake claim with the cfpb thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
One day my landlord came over and asked me your rent payments have been pulled out of our account so went to the bank and the bank manager said we will put it back in the landlord account so I wanted six days and the I checked my account it was XXXX Negative balance they said someone claimed it and got the money so why did they approve the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2023-08-04 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: MI

Complaint narrative:
I had an investigation with an account called XXXX done and this account is fraud and identity theft. I have not gotten help with this issue they are reporting it as verified but it is an account taken out in my name with my information not arising from 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 explanation
Consumer complaint received 2023-08-04 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: CA

Complaint narrative:
In XXXX XXXX applied for an auto loan 7 inquiries appear in my XXXX transunion credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.and several more in Transunion credit agencies claiming they considerer just 1 inquiry ... .that 's not true Requested delete 7 to 9 and leave 1 inquiry ... that's fair my credit report is damaged for that reason Thank you

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 2023-08-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.

Complaint narrative:
I transferred {$1100.00} from XXXX to XXXX XXXX on XXXX XX/XX/2023 using Remitly which is a financial institution based in XXXX, Washington, United States. I was notified by the company that my money has been delivered to the recipient in XXXX XXXX the same day, however, after checking with the recipient, it was confirmed that they did not receive the money in their account. I contacted the customer service like 6 times, every time I call them, they just tell me that their partner bank in the recipient country has confirmed that the money has been transferred to the recipient 's bank. I even shared the bank statements of the recipient with the company to show them that the money was never transferred to the recipient account. Company always end the call by saying that someone from their specialized team will contact me but nobody does that. Its been XXXX weeks now, I have no idea where my money is and my family in XXXX XXXX is still waiting for it as it was for some emergency purpose. I would be grateful if Someone can help me with this issue, as It was a hard earned money and its so frustrating that I have sent it XXXX weeks ago and still its not received by the recipient and the Company is least bothered and very unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
An apartment complex is attempting to collect a debt that is not mine. When I asked for validation of the debt, the company continued to attempt to collect the debt via a phone call a week after my request, without providing the debt validation I requested first. 

When I asked where the debt validation that I requested was, and that I would like to see it proved to me as my debt, they got very hostile and said they would send it and demanded that I give them an answer of whether or not I planned to pay it. When I said I did not plan to pay a debt that I did not owe, they said that it would be sent to the credit agencies and hung up on me. 

My understanding is that once I request a debt be validated, they must provide validation before attempting to collect again. Their initial email contact was on XX/XX/XXXX, I asked for debt validation on XX/XX/XXXX. They called me on XXXX to attempt to collect the debt without providing this information. I have yet to see a debt validation letter despite repeated calls to them asking for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: NY

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-08-04 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: IN

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

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 2023-08-04 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: NY

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I am writing to formally lodge a complaint against Bank of America due to a significant error they made that resulted in marking me as late on my account. My name is XXXX XXXX XXXX, and I am using this platform to address this issue. 

The incident revolves around an oversight on the bank 's part regarding the update of my address on my loan account. Despite correctly updating my bank account addresses online and at the branch after I relocated, my loan account address was not modified accordingly. Consequently, I did not receive any notices or communication from them regarding my account. 

I moved to my new residence some time ago and promptly updated my address both online and at a local BOA branch. While they successfully updated my checking accounts, regrettably, my car loan account address remained unchanged. I possess statements for my bank account that accurately display the updated address, in contrast to the auto loan account which still reflects the old, incorrect address. Furthermore, even the old address listed on the car loan account lacks my apartment number due to their oversight. 

I've attached copies of the bank statement which show the updated address. 

This situation has caused me significant distress, as its repercussions have had a substantial impact on various aspects of my life. Throughout my history as a customer, I have consistently upheld my responsibility and made timely payments. 

The gravity of this error has translated into several adverse consequences that are severely affecting both my personal and financial well-being. These consequences encompass impediments in obtaining home approvals, a considerable loss of valuable time, XXXX XXXX and resulting XXXX, as well as marital discord stemming from my inability to refinance my existing home. 

I kindly request a swift and thorough investigation into this matter, along with the necessary rectifications to address the damage caused. I believe in the integrity of Bank of America and hope that this issue can be resolved in a manner that restores my faith in your institution

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 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I actually did open an account online at Truist Bank. I used their promotion for the XXXX dollar welcome bonus with the intention to switch over from XXXX XXXX after I received the bank card. I put in the minimum amount because I still needed to be able to access my money while I waited. While I was waiting the account was closed for fraud. I called and went to the bank and they both said that it was closed for fraud and would not tell me why. On all my credit reports and identity monitoring, I have no red flags. This is technically the first bank account I've ever opened as my original was opened for me by my parents when I was younger. I am XXXX and I really need to know why it was closed.

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 2023-08-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2023-08-04 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: NY

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I have a great concern pertaining to my loan.My loan has beeb closed since XXXX. Shellpoint Mortgage Loan XXXX XXXX holds the loan now and is still charging me payments.. On XX/XX/XXXX, I will be sending Shellpoint via certified USPS mail legal documents of displaying SATISFACTION OF MORTGAGE NOTE AND LOAN MODIFICATION recorded here in XXXX XXXX XXXX XXXX, Florida. I am requesting a full investigation for possible mortgage fraud pertaining this matter. I had previously filed complaints on XXXX XXXX, and XXXX XXXX fpertaining mortgage issues. 
XXXX XXXX LOAN # XXXXXXXX XXXX XXXX XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: 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.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report 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 non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Per the new Navient Bankruptcy Settlement, Navient must refund any funds collected post XXXX XXXX  on Private Student Loans. 

The " Private student Loans '' were included and you received notice for the meeting of the Creditors back in XXXX. 

The 2 Private Loans were Predatory. The loan amount for a non-certified degree for which I was misled by the school, Amounted to XXXX ( variable interest pd {$6500.00} ) and XXXX ( variable interest pd $ {$13000.00} ) respectively. The cost of the loans was {$14000.00} of which almost XXXX was refunded to the school. The total cost you billed me post XXXX XXXX  was $ ( XXXX + [ accrued interest - ( XXXX ) = XXXX ( accrued interest fees ) ] TOTAL = {$33.00}, XXXX more than double the amount initially borrowed. Furthermore, NO fees should have been collected post my XXXX XXXX Discharge as I was still recovering from my double mastectomy where I had to have about XXXX XXXX due to them finding more XXXX after initial XXXX possibly due to all the stress you were causing me that affected my health negatively. 


I ended up paying almost the interest as mentioned was exorbitant. 
The magistrate knew this was a hardship as I had recently recovered from XXXX XXXX XXXX starting XXXX and ending in XXXX. I had numerous medical bills that were not covered/authorized by my insurance and this is why I had to file for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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