vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: LA

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-13 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: LA

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
I tried to submit a check with mobile checking and they kept sending emails to resubmit I contacted them about to explain to them that it would come off fraud they kept saying that it was the images they couldn't read now I get a email they closed my account for fraud when it's their fault I had money in the account. I called to speak to the fraud decision I find out they have no number for now they stole money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I made a payment to my Wells Fargo home mortgage on XX/XX/2023 of {$280.00}. I was never credited of this payment. My loan was transferred on XX/XX/2023 to XXXX XXXX and this payment {$280.00} was never provided to XXXX XXXX. XXXX XXXX and I had called Wells Fargo Mortgage to see where the amount of {$280.00} was and they confirmed that they had received the payment of {$280.00} prior to the loan transfer. They have not forwarded the payment of {$280.00} yet and can not confirm when they can.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America charged me overdraft fees more than 1 time in one transaction

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 2023-07-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/23 Put in an application for a Capital One XXXX XXXX card and was given an auto denial based on " Based on your credit report from one or more of the agencies on the back of this letter, credit bureau information is missing or unavailable '' and realized that my XXXX and XXXX credit reports were frozen but the XXXX credit report was not. I was exercising my right granted to consumers under the FCRA, part of the Consumer Credit Protection Act to freeze my credit reports. 

XX/XX/23 Called on the phone to customer service and asked for a manual reconsideration but was told that the application was going to be reprocessed by their system and was given an auto denial yet again. The reason was " Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquiries '' and " Based on your credit report from one or more of the agencies on the back of this letter, time since recent inquiry is too short ''. The system is referencing the previous application that was denied earlier based on my credit being frozen and denying it because the time between the applications are too short. 

XX/XX/23 Called multiple times to customer service and was told they could not manually reconsider my application as they did not have a human underwriting department and would have to be automatically reprocessed yet again most likely resulting in the same outcome and putting yet another hard inquiry ( 2 of them as of now ) for this same application. I did not proceed with the reprocessing. 

The system is denying my the ability to exercise my right as a consumer granted to me by the Consumer Credit Protection Act and is in clear violation of Regulation B ( Equal Credit Opportunity Act ) that prohibits discrimination on any prohibited basis, and 1002.2 ( z ) includes in the definition of prohibited basis the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Bureau.

Capital One 's system is punishing those who freeze their credit reports by auto-denying applications that are reprocessed once the credit freeze is being lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-07-13 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Good afternoon, my debt was bought over from XXXX XXXX XXXX XXXX. Upon finding out about the debt I made payment agreements with LVNC Funding LLC to start paying off my debt. I began paying, then COVID hit and I was no longer able to pay thus said debt. I'm still not able, I'm currently unemployed and only received adoption subsidy. I recently received notice that I'm being sued by LVNV Funding LLC. This has affected my credit score greatly, at the time of agreement I had no knowledge of debt validation, and my rights. I've also learn that they are not licensed to collect debt in the state of New Jersey. Please I need some help, I'm really trying to fix my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XX/XX/2023, I was a victim of identity theft. Starting on the evening of XX/XX/XXXX I began to notice withdrawals from the Credit Karma spend account that I did not authorize. I still had possession of my card so I did not understand how these transactions were being made. I was able to log into my account on the mobile application because biometrics were used. However, when attempting to log into my account on a computer, the system did not recognize my login. After contacting Credit Karma by phone, I was notified that the email address was changed on my account and it was updated. A total of {$650.00} was taken from my account in 2 days. I disputed the transactions and we only refunded {$500.00}. Credit Karma, unbelievable to me, determined the remainder of the transactions were made by me... .they were not. I was transferred by email to Credit Karma 's fraud section ( they only communicate by email ) and sent them a copy of my driver 's license ( front and back ) and a copy of my marriage license. I also, just today sent them a selfie holding my driver 's license. Even with all of this, my funds have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I left Bank of America because they were robbing of money through their overdraft fees. I would pay for items and the money would clear on my app but Bank of America would hold the charge until their was insufficient funds in my checking account then allow the fees to go through causing overdraft fees.

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 2023-07-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2023 I sent off a letter to Experian asking for my accounts to be looked at for accuracy and completeness of accounts. You can see the attachment to view the accounts I requested to be re-investigated. It is XX/XX/2023 and I have not heard anything from Experian about the re-investigation that was only supposed to take 30 days to complete. These inaccurately reporting items are causing me a great amount of stress and anxiety due to me being in the process of trying to buy a house. Experian has failed to do a timely investigation on my account as well as notify me that any of my accounts are under investigation.

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 2023-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
In XX/XX/2021 I changed my car continuing with a new lease. I have not been late with my monthly car payment. The only thing I asked the financier to change the payment date after the first 15 days of each month due to the economic crisis caused by Covid. The financial company did not make the change and they began to unfairly charge a fee for late payments and I have made them every month without letting me put together two months. Second, my husband XXXX XXXX also drives this car and he has a XXXX pass from the motor vehicle office. He spent several weeks parking this car in a public street post managed by the city and they issued fines. My husband XXXX XXXX went to the XXXX city office and started a claim because people who put this pass on the front window don't have to pay to park. Suddenly my balance increased and it was because this financier paid the fines without consulting me without waiting for the claim to end in the city of XXXX and they would remove the fines. So my balance is high because they paid the fines without notice and the late fee for alleged late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, Wells Fargo filed a NOD on the property in spite of the fact that there were issues with the mortgage balance, escrow account, and other issues.. 

I applied for mortgage relief and was approved for the mortgage grant through the XXXX XXXX XXXXXXXX XXXX. I received a message from them that " Your servicer has confirmed that the funds sent by the program for your application XXXX have been applied to bring your loan current as of XX/XX/2023. 

You will receive a follow-up email from the program with the final amount applied to the loan by your servicer. 
However, the balance of {$28000.00}, which included some bogus legal fees and late fees and was paid off through this grant, but Wells Fargo has only applied a partial amount for the balance.. 
Also, my mortgage amount has been changed from its original monthly amount of {$1100.00} and there is an escrow account balance which should not be as I have never had it since the mortgage account was originally set up.. 

I would like to know why Wells Fargo again time after time has the mortgage account in discrepancy..

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Macy 's American Express in XX/XX/2023 after receiving a letter from them dated XX/XX/2023 saying they believed there was suspicious activity in my account. And, also after receiving a bill from Macy 's American Express for charges that were not mine. 
The charges added up to {$1700.00}, were made during the period of XX/XX/2023 to XX/XX/2023 and the charges were made at Macy 's as well as other random places ( including other cities and states I haven't been to ). There are too many charges to write them all here ( 22 to be exact ). 
I contacted Macy 's several times and ended up closing my account. 
Two days ago, I received a letter from them dated XX/XX/XXXX with the results of the dispute saying they had determined I was responsible for the charges. 
I do have proof that I was not anywhere near those cities where the charges were made. I work from home and I'm sure I can have my IT person get my IP address of where I was on those days. Plus, I have been a Macy 's customer for over 20 years and I NEVER purchased anything outside of Macy 's with my Macy 's American Express. I have several other credit cards I use for personal and other expenses. This card was just for Macy 's purchases and I have not used it for over a year. 
As I write, I am on the phone with another Macy 's representative explaining the same thing and he seems to be quite helpful ; however, my credit is still being affected and I would like this resolved asap. We finalized the call and he said the representative who I initiated the dispute with made a mistake and processed as a Fraud application. That he was going to reverse the charges and take them out of my account. But that it would take approximately 3 additional months to clear. I really hope that it's resolved. He was very kind and helpful but the other representative needs to know that she made a HUGE misktake.This was very stressful to me. I take extra care to protect my credit. 
Again, THESE CHARGES ARE NOT MINE. I NEVER MADE OR AUTHORIZED THESE PURCHASES and I NEVER GAVE MY CARD INFORMATION FOR ANYONE TO USE. 
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 monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was offered a discount on airline tickets if I opened/applied for their credit card, which I did, then received a discount as advertised. I used the account only once to purchase the tickets, paid the whole balance on 1st bill, then never used the card again. Many months later the account was charged an undisclosed membership fee which when I received the initial statements showing the fee charged to the card I ignored unopened because I knew I had not used the card and the number of legitimate bills I pay monthly are overwhelming to me to deal with as it is. When I finally opened their bill and saw a balance I called and they disclosed it was the membership fee with now late charges and interest. I explained the situation to the rep and I was told the charges would be removed and the account closed. The following month I again received a bill showing a balance with the fee not removed. I called again and again was told the balance would be removed. The next month I again received a bill for the fee. I again called and was told by the rep she could not remove the fee, only the interest so she transferred me to another rep to get the fee removed. This rep told me I had to pay the fee regardless because I waited to initially dispute the charge. They continue to bill me and add interest and late fees and theyre now trashing my credit rating. Ive spent hours on the phone with them already and I feel the charge is bogus and I should not have to pay it.

Company response to consumer: Closed with monetary relief