vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I opened a new account with Ally Bank on XX/XX/XXXX. The account was funded by " pulling '' money through an ACH transfer from my account at another bank. After I set up online banking, I got an email stating that due to suspicious activity on my account, it was on hold and I would need to provide additional information before being able to access my account again. I called the provided telephone number and provided all of the identifiable information they asked for. They said that my account was still under review and I would just have to wait to hear back from fraud prevention once more information became available. About 3 weeks after opening the account I had still not heard back, so I called again and was told that my account had been closed. I asked if they were intending to inform me of that and they said a letter would be forthcoming. ( It has been nearly a month from that time and I still have not gotten any letter ). I got an email on XX/XX/XXXX saying that a new statement was available for my account. I found this odd considering I was told the account was closed, so I called back in. After talking to multiple people and spending over XXXX minutes on the phone I was told again that my account was indeed closed. I requested that my initial funding deposit be returned, and was told that they would not be returning my deposit, saying that I would need to dispute the ACH transaction with the other bank if I wish to get my money back.

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 2023-10-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: FL

Complaint narrative:
I received a Netspend card in the mail, which included a " prepaid debit card '' with my full name on it. Thinking I was receiving money on a prepaid card, I went to activate the card. In order to activate the card you must give them your SSN. I did, and finished activating the card/creating my account, only to find a {$0.00} balance on the card. 
I did not request this card. I called XXXX to speak with someone, and told them I did not request this card, and wanted to find out why I was receiving it. 
Per Netspend 's Customer Service, I received a card " because [ I ] am one of their POTENTIAL CUSTOMERS '' and they got my information from " Public Records ''. Per the fine print, they are now able to share my SSN with any of their affiliates, even after I am NO LONGER A CUSTOMER. If I am " Inactive '' for 90 days without a transaction, they will beginning charging me {$5.00} per month. 

This company 's " Advertising '' to " Potential Customers '' forces you to create an account and give out your SSN, just to find you've created an account with a company that charges you fees FOR THE PLAN ITSELF, fees per EACH PURCHASE, Fees to WITHDRAW, Fees to RELOAD, Fees to CHECK BALANCE on an ATM, DEPOSIT CHECKS, ands INACTIVITY FEES. 

Per the fine print included with the card, " It is important to Register your Card Account as soon as possible. Until you Register your Card Account and we verify your identity, we are not required to research or resolve any errors regarding your Card Account.

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 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Purchased a new house XXXX. House closed and the property taxes assigned to the impound account was more than double what it should be. The house was a new build and so there is no actual tax bill assigned yet. The bank estimated what they believed to be the future taxes using a criterion I have not been able to understand. I spoke to title people , county tax people, my realtor and everyone agrees something is wrong. I have spoken to my loan officer, customer service twice from the bank involved and still no one can properly explain why the high tax estimate. They just keep telling me the impound account will correct at the first hard tax bill. That bill may not be sent to me until XX/XX/2024. Meantime my monthly payment is higher than I ever anticipated. I paid {$290000.00} for the house. They are taxing me the near equivalent of a {$500000.00} house. ( Approximately ) The county tax person suggested I tell the bank to use their online tax estimator to get a better look. I told the last customer service person to try that, but they would not. I am frustrated and can not get any answers. So figured I would try your bureau.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My credit card was compromised and I had the card in my possession. You can see my card being used by myself and the scammers at the same time in different cities and different states. I even provided the credit card company with video footage at one of the stores the scammers. I filed a police report. The credit card company still denied my claims.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to file a complaint on Equifax for the inaccurate information they are reporting on my consumer reports, I have tried to dispute this information before but the company has failed to update me of my previous dispute or correct the inaccurate information that is being reported I have attached a copy of my Equifax consumer report and I have highlighted the inaccuracies on the report I want someone to hold them responsible for these inaccuracies because by law everything has to match on my report on a three bureaus and it does not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ALG Trustee LLC
State: VA

Complaint narrative:
Please find attached, my Urgent Follow-Up Complaint Regarding Referral of Complaint ID : XXXX Concerning Unauthorized Transfers of Ownership and Intentional Material Alteration of Parcel and Tax Map Identifiers Involving Local County Government and Homebuilder/Developer, XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased my car from us auto sales in XX/XX/XXXX and have continued to make my payments until XXXX of XXXX there was no where to make my payments up until this time. I received a letter from Westlake Financial which is a debtor collector and not a lien holder. The letter stated I owed XXXX, which is how much my car was when I purchased it. I disputed it and even asked Westlake Financial to furnish me with my contract And they never sent one. My credit report stated that my loan was 100 % paid in full and now my credit score has dropped significantly. I have not received a bill for a monthly amount or anything. I took a look at my contract and saw that my APR is different through out the contract.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, My underage daughter had a teen checking account with Wells Fargo Bank. I, her mother, was named on the account as required by the bank. She was involved in a fraud situation ( several Wells Fargo customers had been victims of the same scammer ) that drained/overdrafted her Wells account by about {$3000.00}. We settled with the bank a Wells representative offered us the option to share the responsibility so we made good on the money owed ( about {$1500.00} ) and the representative NEVER suggested that this settlement would cause longer-term problems. But Wells and other institutions have flagged her through XXXX XXXX XXXX and not one will let either of us open accounts. This is disastrous for a new college kid with a good and responsible track record. We have submitted disputes through XXXX XXXX XXXX and Wells returns to say they will not overturn the flags. XXXX then recommended we we reach out to FTC and CFPB in this matter. All we want to do is get her back on her feet with a bank account ( I can submit another record in her name ) but this affects my record as well so XXXX seeking to get myself cleared as well. We are not dishonest people. We pay our bills and have proven ourselves to be successful and responsible individuals. Some person took advantage of my daughter and our financial health is compromised simply by way of the inability to open a basic bank account. Desperately hoping to find help.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Hello My name is XXXX XXXX XXXX XXXX .I having a lot of issues with my credit report because I do have a XXXX  brother who does not have a social security number and all his account are been mixed with my credit report. I already called the companies involved and the 3 credit bureaus to explain this and provide proper identification of both of us to them but the problem continues and new accounts for my brother keep showing on my report. I has been over 3 years with this issue. I need help, please.

IDs, social security for my self have been send to all the buraus as well for my brother his IRS letter ( ITIN # ) and his driver license was enclosed for there review and we still having issues, this situation have become a big stressful issue since this has prevent me to obtain a mortgage because of this items not my showing on my report over and over again after disputes has been summited multiple times. 

This also affected me with my car insurance & IRS as well Also I have contacted XXXX company and all documentation re-send it to all parties involve and still not resolve as yet need this to be over.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC
State: DE

Complaint narrative:
Hello My name is XXXX XXXX XXXX XXXX .I having a lot of issues with my credit report because I do have a XXXX brother who does not have a social security number and all his account are been mixed with my credit report. I already called the companies involved and the 3 credit bureaus to explain this and provide proper identification of both of us to them but the problem continues and new accounts for my brother keep showing on my report. I has been over 3 years with this issue. I need help, please. 

IDs, social security for my self have been send to all the buraus as well for my brother his IRS letter ( ITIN # ) and his driver license was enclosed for there review and we still having issues, this situation have become a big stressful issue since this has prevent me to obtain a mortgage because of this items not my showing on my report over and over again after disputes has been summited multiple times. 

This also affected me with my car insurance & IRS as well Also I have contacted XXXX company and all documentation re-send it to all parties involve and still not resolve as yet need this to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : ( XXXX ) XXXX Appointments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Property Tax : Account : XXXX Environmental Health Department ( Reported Noise/Trash/Employee Harassment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Phone XXXX XXXX See Copies XXXX XXXX XXXX on XX/XX/XXXX rental assistance {$750.00}. 
ERAP Support ( ERAP XXXX XXXX, Texas {$8600.00} ( + ) rental assistance. 
Good Morning, XXXX Welcome to XXXX XXXX 's Emergency Rental Assistance Program XXXX XXXX is committed to accessibility for all applicants. If you require this material in an alternate format or have questions about the program, please contact us at XXXX. 

ERAP Awards ID Name Program Year Approved Action XXXX XXXX Tenant Rental & Utility Assistance XXXX {$12000.00} Start a New Application Application Name Description Action Landlord Rental Assistance Select this option if you are a LANDLORD in XXXX XXXX applying for the Rent and Utility Assistance Program.

Landlord ________________________________________ Id Name/Address Status TenantDetails TenantDetails TenantDetails XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Landlord Non-Responsive/Opted Out Regarding the above property the rent was being paid by XXXX XXXX covid-19 funding, local charity , and myself. XXXX was misappropriating funds. On XX/XX/XXXX cc # XXXX for {$1200.00} was never applied to rent along with {$150.00} deposit, funding was being allocated to other charges and not rent. Thereby depleting the allocated funds specifically for rent by XXXX XXXX, property manager ( XXXX ) XXXX and XXXX XXXX, assistant manager. 
The property manager opted to pursue an illegal eviction on XX/XX/XXXX after she opted out of receiving county funds XX/XX/XXXX then filed an eviction for XX/XX/XXXX. The last date in the apartment XX/XX/XXXX. Verify via XXXX at XXXX also on my credit report. 
The manager of the property opted out of covid-19 funding and their attorney stated, the property did not want funding from XXXX XXXX anymore and sent the rent for XX/XX/XXXX back to the county to give the appearance the rent was not being paid but in reality rent was over paid. Please see all attached documentation correspondence.

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