vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
My wife and I were incarcerated between XX/XX/XXXX and XX/XX/XXXX. During that time someone broke into our locked filing cabinet and took all of our personal information, including social security cards, banking information, debit cards, vehicle titles, etc. They then proceeded to drain our checking account of roughly {$37000.00} within 20 days. A family friend of ours even called M & T Bank XX/XX/XXXX around XXXX p.m. in attempt to stop the fraud from continuing, but M & T Bank told him they couldn't do anything. M & T Bank 's fraud department says they do not consider it fraud because our PIN numbers had to be used on numerous transactions. I informed M & T Bank 's fraud department our locked filing cabinet was broken into and our PIN numbers must've been written down on the banking papers. They told us to submit a Victim 's Report from the state police involved in the case. We submitted the Victim 's Report and M & T Bank re-opened the case for only one day and then re-closed it. I also informed M & T Bank multiple credit cards have been opened in our names also and I've had to put our credit on freeze because of all the information that has been taken from us. After we submitted our fraud claim and went into M & T Bank to explain what happened and close out our savings account and recover whatever funds were left over, M & T Bank said they didn't want to bank with us any longer. They were basically warned and informed fraud was occurring to a faithful client that's been banking with them for years with no problems, did nothing about it, and then waited for the fraud victims to come into their bank just to tell them they aren't welcomed there anymore and they can't do anything about getting back the money that was taken fraudulently.

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 2023-03-17 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the American Express account in a Charge-off status and past due balance. Specifically, the account shows as closed and opened on XX/XX/XXXX, with a balance that was updated on XX/XX/XXXX. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Unity Asset Management
State: FL

Complaint narrative:
I received a call from a spoofed number XXXX. The person on the phone stated that she was calling from Unity Assets and that she was only the secretary and she could not go over why she was calling so she transferred me to a XXXX XXXX. XXXX XXXX proceeded to tell me about a debt that I owed from a company called XXXX XXXX. She said papers came across her desk from their client. I told her the financial situation that I was in, and was willing to set up a payment plan. I told her that I could not make a payment today but I could set up something for the end of the month. XXXX XXXX said that they could not wait that long and that they needed a good faith payment today or they would mark my file as a refusal to pay. When I began questioning her about this, she began saying that she was feeling very uncomfortable and that she was going to mark my file as a refusal to pay. I never once in the phone call said that I would not pay, I told her I could not make a payment today. Also she misrepresented herself saying that she was working for a client when in reality they bought this debt from the original creditor who is XXXX XXXX. When I asked for her full name and company info, she became upset and was saying I was making her uncomfortable. I have a right as a consumer to make sure that I am paying a legitimate debt and to ask questions about this debt. I want to reiterate that when I began questioning her, that was when she began saying she was uncomfortable. This company is Unity Assets located in New York with a phone number of XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Saying my checking account is negative through email and unknown charges to my 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 2023-03-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
bankrupcy is being reported on my credit report. Bankrupcy # XXXX. I have contacted the court and the do NOT provide, share information with third party credit agencies.

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 2023-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX, 2023 Marshalls XXXX XXXX company card, I did report, and I never used that card amount XXXX dollars, they start sending me bill. 
If some one used my card how come they put my information to cashier? 
Marshall customer service representative took my call and he said I am transferring my account to different account and you dont have to pay nothing, but I asked him to close my account he said ok, he did, but now they start sending me bill with late fees. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX XXXX account in a Charge-off status and past due balance. Specifically, the account shows as closed and opened on XX/XX/XXXX, with a balance that was updated on XX/XX/XXXX. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX XXXX account in a Charge-off status and past due balance. Specifically, the account shows as closed and opened on XX/XX/XXXX, with a balance that was updated on XX/XX/XXXX. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from 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 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX XXXX account in a Charge-off status and past due balance. Specifically, the account shows as closed and opened on XX/XX/XXXX, with a balance that was updated on XX/XX/XXXX. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from 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 non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus but I have not been notified of the status of the disputes so far. 

According to the FTC they have a maximum of 45 days to respond and they have not done so. 

I have negative items affecting my credit score and they have not been corrected. 

I am attaching the proofs of the letters that I have sent to the 3 credit bureaus.

I appreciate your prompt communication thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I tried to send my landlord {$170.00} for my rent on cashapp and I mistakenly put in the wrong cash tag for the receiver and realized I done this and called customer service immediately or rather I chatted with them as this is there only means of communication for customer service. 5 times I had to give all the info to five different people all while only getting pre made replies saying there was nothing that could be done now except to ask the receiver for a refund which I finally did and still I've not heard anything. People make mistakes and there should always be a way to reverse or fix payments. I am now being evicted and am facing being homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance to the Fair Credit Reporting act the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX 15 U.S.C. 1681 section 602 A. States That I Have a right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other TN an records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section 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 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 2023-03-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance to the Fair Credit Reporting act the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 15 U.S.C. 1681 section 602 A. States That I Have a right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other TN an records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section 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 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 explanation
Consumer complaint received 2023-03-17 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. This is a dispute that DEPT OF ED/ XXXX also known as Department of Education XXXX Navient is reporting late payments on my personal credit report that are inaccurate, incorrect, and false. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). The reported dates of the late payments are inaccurate. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I seen this debt on my credit reports and previously disputed it because I had no idea what it was. A few years later, I pulled my credit report and seen it was still on there. I disputed it again with the credit bureaus and also sent a letter to National Credit Adjusters asking them to prove the validity of this debt. They mailed me the original contract that was electronically signed, however this wasn't me. I sent a second letter explaining that my previous name was involved in a data breach with XXXX and requested proof of identity when this loan was originated ( i.e. copy of drivers license, etc ). The date this contract was signed ( XX/XX/2018 ), I was married, had a different last name, and never resided at the address that is stated on their paperwork. This collection is reporting negatively on my credit reports, claiming that I owe {$1100.00} for a debt that I never took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: AL

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT, I SUBMITTED PROOF FROM ITR

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 2023-03-17 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: Experian Information Solutions Inc.
State: GA

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. 

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 XXXXXXXX : XXXX, XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/2023 XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX Case Number XXXX XXXX Regulatory Case ID : XXXX PHH Mortgage Services Escalations Department 1 Mortgage Way XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have spoken in regard to irregularities in this process. I would like to share with you examples of our current experiences so that you can help me to understand why. 
Our home is currently on XXXX XXXX foreclosure list XX/XX/2023, we were told that during the modification process we would not face foreclosure. ( Third time ) We are currently 18 days from foreclosure, we have not officially been notified. 
We never received a copy of the response PHH submitted to CFPB XX/XX/2023 We have not been notified that our appeal was denied. 

In closing, please advise us how the process has changed from when we started the process. 
Genuinely, XXXX & XXXX XXXX XXXX. CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hi, I have an account with SYNCHRONY or SYNCHRONY BANK, High Yeild Savings account. I placed a request to do Wire Transfer money on XX/XX/XXXX Monday evening, but today XX/XX/XXXX close to XXXX CST, still Bank not started this wire transfer request. I called and talk to their multiple accounts managers and non of them have any clue what is going on. I don't know why they are not completing this wire transfer request or not even started yet.

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 2023-03-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent accounts and Inquiries appearing on Credit Report. 


Inquiries 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