vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have filed numerous complaints and until this is resolved I am going to continue before I engage an attorney. I need Wells Fargo and an outside party to go over the conversations starting in XX/XX/ when I first asked them about doing a home assistance program. I need them to LISTEN to the conversation that stated that my options at the end of the Assistance program is 1. pay the shortages at the end of the loan, 2. with a surcharge with the normal mortgage payment, 3. or in a lump sum. At the end of the assistance program, they advised me that I didn't qualify for this and my only option was 40 years. I kept asking why and they told me that isn't what I qualified for. I would have never done the program if the options were changed. I then am told that my hours being cut from XXXX to XXXX a week wasn't covid related, which I wasn't asked and it was. I then was told after my 1st complaint that they put me on 2 different programs that I was never aware of nor consented to then sold my mortgage to another company and continued to mark me late via the credit report. The calls need to be listened to entirely and I will not talk to a XXXX XXXX in their executive office who wouldn't let me speak and cut me off and raised her voice advising me that I don't need to be calling since I know I was wrong. She doesn't need to be in that office and I need a complete investigation done correctly

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 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Last year I set up overdraft for my checking account. They set it up in reverse to protect my savings instead, not As I instructed. Yesterday they returned a electric bill payment. When I asked them about it they told I never had it set up for checking, it was the other way around. I remember clearly when opening the savings account I added the overdraft protection for the checking. Now they are going to charge me a return fee and the electric company will charge a return fee. USAA said that they could look in to it, and might be able to reverse the fee, but because of their mistake Im out of pocket for the fees and have a late payment on my credit score. I feel cheated!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This late payment was of no fault of my own. This was due to the change in agreement that Comenity Bank and Wayfair had. The online payment system was removed from the Wayfair shopping platform as they have a new credit card program and there wasnt any way of paying without access to the platform. 

Additionally, I had made a call Sun, XX/XX/2020 to the Wayfair Credit Card Customer Care Center when I realize that they payment I have submitted haven been withdrawn from my Checking account. I was informed that my account was up-to-date and that the payment will be process soon ( Please see attachment of email from the Wayfair Credit Card Customer Service Department asking me to do a survey after I had called that day ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
A collection account was reported from Convergent Outsourcing on XX/XX/2021 for {$1300.00}. I spoke with Convergent Outsourcing and was told that if I paid the account even if it was paid in settlement that once there was a XXXX  balance, the collection would be deleted. I agreed to a settlement amount of {$1000.00} and paid off the account on XX/XX/2021. I have tried contacting them numerous times to have the collection deleted from my credit and they have not removed it. I went through XXXX  to dispute the account and request it to be removed as agreed to no avail on XX/XX/2021.

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 2021-08-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This company did not complete an accurate investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.

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 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Per CFPB representative, it was suggested I open a new complaint to USAAs response regarding my bank account. 

I would like to refer to case # : XXXX I have included documents to support my case and I hope this will be finalized. 

After comparing my account with what USAA responded, there is still missing funds that is due to me of {$1500.00}. 

Before the fraudulent charges happened, I would have had {$420.00}. 

I have listed the fraudulent debits and compared to the credits once debits were deemed fraud and if I am not mistaken, I am missing {$1100.00}. 

I would like USAA to please investigate this further and if this is correct, please mail a check to the address listed on my account asap With the account being locked I was unable to make any payments to my accounts with USAA. 

I would also like late fees, over the limit fees, or any other fees charged to my accounts waived on credit card & loan listed below : Loan Account : # XXXX ( see letter attached ) Credit Card : # XXXX ( see letter attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This company did not complete an accurate investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.

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 2021-08-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} - XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20, my Bank of America credit card was denied at XXXX, XXXX XXXX CA. I called credit card customer service and was told my credit card was denied due to over draft. They said I had nearly {$7500.00} outstanding balance which included an amount I never used. They did some research and found that someone ( a suspect ) used my full name, my SSN # and other personal information and opened online Bank of America bank checking account. The suspect initiated XXXX XXXX from my Bank of America credit card in the amount of {$3800.00} on XX/XX/20 and transferred from bank account the suspect created. I reported incident on the day I found the identity theft. 
One of the identity theft victims rights is to submit Identity Theft Victims Fraudulent Account Information Request to bank to get information about Account Information. I send the request to Bank of America in writing. Bank of America refuses to provide those information I requested protected by 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), California Financial Code 4002 and 22470, Civil Code 1748.95 and Penal Code 530.8. 
I am filing a complaint for the refusal of Bank of America to provide the Account Information.

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 2021-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF THE WEST
State: CA

Complaint narrative:
We bought a motorhome from a private party on XX/XX/XXXX. The purchase was financed with a loan from Bank of the West. We have paid out installment regularly and timely as it comes due every month, since XX/XX/XXXX we have been in contact over the phone with Bank of the West customer service/ title department asking them to send us the title for the RV instating we, along with the Bank XXXX lien XXXX are the owners so we can renew the registration of the vehicle with the XXXX. We were told in XX/XX/XXXX by the bank that the proper department ( title department ) was working on the transferring of the ownership with the XXXX and that they would renew the registration, but we had to wait. In XX/XX/XXXX the registration for the vehicle expired and we were told by the XXXX the bank had not processed the transfer. 
We have been contacting them weekly by phone as we were not offered any other means to communicate with them, to no avail. In XX/XX/XXXX we were told they couldn't process the paperwork we need to send the smog check certificate. We promptly sent it in. They alleged not to have received it even though we sent it by fax and have the receipt. We resend it. One week later we were told we need it to send a check in the amount of {$1100.00} for the registration, the check we sent was cashed on XX/XX/XXXX, still up to today they have not processed the title. 
The license has been expired since XX/XX/XXXX, the RV sits in our garage, and to this date the only document proving the RV is ours is the Bill of Sale. 
No word from the bank in the last 10 days even though a Bank supervisor is trying to help us solve the problem. 
We are at wits ' end, not knowing what to do.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX I mailed all three agencies ( XXXX, Transunion, And XXXX  ) and inaccuracies that I found on my consumer report. The items on my report are incorrect and are giving me a very hard time securing fair interest rates and business funding. Please notify these agencies to remove these items immediately. They are violating their own procedures and breaking federal law. I have asked these agencies and the creditors with whom the accounts are supposedly with to verify this information and they refuse to do so. This is blatant violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), which states you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Since they have refused to do so and to do so in a timely matter I demand these items be removed. There investigation and response has taken well over 60 days. They have severely decreased my ability to obtain fair rates and accounts. 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 explanation
Consumer complaint received 2021-08-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX I mailed all three agencies ( XXXX XXXX, And Equifax ) and inaccuracies that I found on my consumer report. The items on my report are incorrect and are giving me a very hard time securing fair interest rates and business funding. Please notify these agencies to remove these items immediately. They are violating their own procedures and breaking federal law. I have asked these agencies and the creditors with whom the accounts are supposedly with to verify this information and they refuse to do so. This is blatant violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), which states you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Since they have refused to do so and to do so in a timely matter I demand these items be removed. There investigation and response has taken well over 60 days. They have severely decreased my ability to obtain fair rates and accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Amount of {$300.00} has been reported as a new debt collection 5 times total. Three times in XXXX and two times in XXXX for the same amount. Each time they report, they report as a NEW account therefore has dropped my credit score 40 points. I have reported this through XXXX  and they referred me to you to make a formal complaint as they are reaching out to company as well. I would like to know how to get this resolved and the correction made on my credit 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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After noticing some missing and inaccurate data on my credit file. I faxed in an investigation request on several occasions. This is the attempts I made XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX and I mailed on XX/XX/XXXX. I got no response to any of them. I will attach the latest letter on XX/XX/XXXX since I have gotten no response and the failure to investigate the accounts should be removed or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft NORDSTM/TD Account XXXX : XXXX This is not mine. 

4. Identity Theft TARGET/TD Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

10. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

11. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

12.XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hey! I was advised by an attorney that I can file a complaint about your negligence. Two months ago I sent you a letter regarding inaccurate things on my credit report but to this day over 60 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

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 2021-08-17 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: GA

Complaint narrative:
Bankruptcy listed on report is not correct and according to letter received from this company, showing who they used to verify, that company does not have bankruptcy listed, and according to courts, experian did not check with courts directly to verify, dates on reports are incorrect, filing dates, experian has false information on report and need to remove/delete,

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 2021-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX I am a Consumer Natural Person and the Original Creditor pursuant to 15 USC 1602 under the Truth In Lending Act.. On XX/XX/2020 Mazda Financial Services committed fraud against me by issuing me an alleged debt contract instead of a consumer credit transaction.. As the Original Creditor I do not validate any alleged debt from Mazda Financial Services. I ask that Mazda Financial Services validate the alleged debt with the Original Creditor by providing the name and address of the Original Creditor.. Mazda Financial Services is also in violation of the Fair Debt Collection Practices Act pursuant to 15 USC 1692 . Mazda Financial Services is to cease and desist all forms of communication with the Original Creditor XXXX XXXX. Mazda Financial Services is to remove any alleged debt from the Original Creditors Consumer credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
Suntrust Froze my business checking account and this has caused catastrophic destruction within my business and my creditors. I have kept my nose clean and have done nothing wrong. I have been calling consistently to get a clear cut answer but I keep getting the run-around. 

Additionally Suntrust sold my saving account information to a company called XXXX XXXX who took money out of that account unauthorized. During the investigation, XXXX XXXX admitted they are affiliated with SunTrust.

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 2021-08-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account :

Company response to consumer: Closed with explanation