vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My previous complaint number about this issue unfair/ unreturned overdraft fees with CFPB is XXXX and my Wells Fargo complaint number is XXXX. Between the dates of XX/XX/XXXX to XX/XX/XXXX I was charged a total of {$160.00} in overdraft fees. I have received notification from the Wells Fargo escalations representative which is the enterprise complaints management office at XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX fax number is XXXX. I was told in falsely stated Documents that Wells Fargo returned all the money in overdraft fees which I have not ever received and have proof from all my bank statements that none of the overdraft fees that I have had to pay of this {$160.00} was not ever returned to me otherwise, why charge me the overdraft fee to begin with as Wells Fargo is not in the business of giving people that overdraft fee money right back. You have to pay the overdraft fee to restore your bank account or they close your account for you and send a credit bureaus after you for those fees. and I as well as so many other customers felt that I had no other choice but to pay the overdraft fees for insufficient funds to restore my bank 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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX XXXX I paid off XXXX XXXX  XXXX a collection account for {$57.00}. XXXX XXXX XXXX reported to Transunion and XXXX that the account was paid and the account was removed from my credit report. The account was paid off under 2 years from the open date and I should have received a credit score increase of XXXX according to the website of XXXX and Transunion XXXX I did not receive the credit score increase. 
OnXX/XX/XXXX I paid XXXX XXXX XXXX a collection agency {$230.00}. XXXX XXXX XXXX reported the debt as being paid and requested for it to be removed from my credit report. The collection was removed but once again I did not receive the XXXX pts that I am supposed to receive for paying the debt off under 2 years. It is my belief that this is done in order to promote and gain from consumers need for products and services that promote higher interest rates. This is damaging my credit and ability to obtain lower interest rates. The only thing that XXXX did was send me a copy of my report which did nothing to correct the problem.

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 2024-04-01 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
There are unauthorized hard inquiries from cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
I had a partial claim through XXXX  XXXX XXXX when I was sold to Servis One Inc dab BSI Financial which BSI said they didnt get the partial claim until XX/XX/XXXX they bought my mortgage on the XXXX of XX/XX/XXXX. They drug it out with new modification offer in XX/XX/XXXX. They offered to take XXXX off principal which would lower my payment as well as paying up my behind payments with a new partial claim never honored the partial claim I approved through XXXX  XXXX and the fha. It was verbal when I received the documents they took the XXXX off and added it to the partial claim so it would not be the XXXX it would then be XXXX it was deceptive. I declined the offer. They drug the loan modification out til XXXX had a signed promissory note through the fha and XXXX they didnt help me.i was in forbearance. They took me out of forbearance no letter telling me I was out of forbearance. The final partial claim we signed was for XXXX. Felt we had no chose. Then they received XXXX dollars allegedly from the fha . When in reality Servis One Inc. is the lender and services of the XXXX partialclaim. Also they sent a curtailed payment of the difference and said they paid it back to the government when it was them all along but they said me and my husband paid that payment. Said the government gave them too much but only after I called them on it. They are doing the same thing cfpb took them to court for in XXXX. Im in loan modification now I applied in XX/XX/XXXX. And here we are in XX/XX/XXXX still no answer Im under the impression that it was to be done in 30 days with some solution. It isnt happening and they sent me an intent to foreclose and the prior to intent to foreclose were done on the same day. I was also understanding that they cant foreclose while in loan modification. Its not fair they keep upping my mortgage payment and making it hard to make payments.charged me home inspections 1 a month and 3 times a month at times I first time I saw A home inspector was last week ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Hello! 

I received information about a debt that I am not aware of, the only communication received from this company was a letter to settle the debt. I have no idea what this is related to. I didnt receive communication stating that I have a right to dispute the debt, please look into this matter as soon as possible. 

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have carefully reviewed my credit report and identified instances where the payment history does not accurately reflect my financial transactions. Specifically, PAYMENT HISTORY. These inaccuracies are damaging my credit score and hindering my ability to access financial services and favorable interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Received a text stating I was approved for a credit card that I did not apply for. 
Then found out that my mother and my son both received a message on messenger that appeared to be from me, but was not, asking what my fathers middle name is. Someone fishing for answers to security questions. This credit card company ( XXXX ) did a hard inquiry on my credit and caused my score to drop. I have been working quite hard to get my score up over the past few years and this sure doesn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a purchase in the XXXX online store and the product did not arrive. In this case a telephone. I made a dispute with the bank and the bank did not agree with me and denied the dispute without any evidence. I requested, signature or identity verification that the delivery that delivered the phone should have requested from the person who received the phone. I did not receive the phone number and they denied my claim without any evidence. 

XXXX XXXX, XXXX XXXX  XXXX XXXX  XX/XX/XXXX ( ... XXXX CARD - {$XXXX} DescriptionXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, postal mail or telephone I asked to speak to a supervisor and the supervisor told me that I made the purchase using the PIN and that is not real. The record of the purchase shows that it was online on the web, XXXX 's online store. 

Date of inquiry : XX/XX/XXXX Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I want to emphasize that payments have never been late on my XXXX XXXX and XXXX XXXX XXXX credit card accounts. The negative payment status and history listed on these accounts are simply incorrect. Despite making five attempts, Experian has refused to correct the status on my credit report and to provide all statements showing the exact past due amount of any missed payments and the exact date that these accounts became negative. It's important to note that these negative payment items do not appear on my XXXX and XXXX credit reports.

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 2024-04-01 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: FL

Complaint narrative:
Unauthorized credit card account showing on 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 2024-04-01 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: FL

Complaint narrative:
Unauthorized credit card account showing on 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 2024-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Westlake Services, LLC
State: OH

Complaint narrative:
This is a fraudulent 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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On or around XX/XX/2018, XXXX removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX. This error was removed after multiple escalations and CFPB complaints. XXXX has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

On XX/XX/2018, XXXX again removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX. This error was removed after multiple escalations and CFPB complaints. XXXX has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

Furthermore, once XXXX was ordered by the CFPB to remove the tradeline from my credit profile, XXXX allowed the tradeline to remain, further damaging my credit profile.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On or around XX/XX/2018, XXXX removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX. This error was removed after multiple escalations and CFPB complaints. XXXX has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

On XX/XX/2018, XXXX again removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX. This error was removed after multiple escalations and CFPB complaints. XXXX has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

Furthermore, once XXXX was ordered by the CFPB to remove the tradeline from my credit profile, XXXX allowed the tradeline to remain, further damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: AZ

Complaint narrative:
XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and XXXX requesting legal action to remove this account immediately.

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 2024-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions.

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 2024-04-01 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 2024-04-01 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:
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. 

Account Name : XXXX Account XXXX has violated my rights. Or a 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 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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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