vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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:
I am asking for your help to correct the inaccurate details reported on my credit report. This issue has severely damaged my reputation, and I need your intervention. Your mishandling of the report has left me in a precarious situation, and the misleading information has hurt my reputation. I urge you to remove these errors so I can rebuild my life with my family.

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 2024-08-13 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: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed out of almost {$4500.00} out of my Wells Fargo checking account on the evening of XX/XX/year>. I filed six claims : XXXX. {$270.00} XXXX. {$900.00} XXXX. {$500.00} XXXX. {$900.00} XXXX. {$990.00} XXXX. {$880.00} Claims were all denied next day. I called Wells Fargo and everyone there told me there was nothing I could do since I authorized it. 

I filed a police report ( case # XXXX ). 

On XX/XX/XXXX, the XXXX XXXX XXXX published an article titled " Regulators Probing Big Banks ; Handling of XXXX XXXX. '' Here are a couple quotes from the article : " Since last summer, XXXX has required its member banks to reimburse customers for certain disputed transactions even when the victim authorized the payment, such as when scammers impersonate a government official or a customer 's bank. '' When I called WF today and asked to have my call elevated to someone in the claims department, I was told they don't reimburse for authorized transactions even when it's a scam involving someone impersonating Wells Fargo. When I read the above quote, they shrugged it off and said it was just an article. 

I am not a gullible person, usually. I was woken from a nap, while I had covid, by a call from the XXXX Wells Fargo number. I only use Zelle to receive rent from a tenant in that Wells Fargo acount, so that was the hook in my case. The scam was very professional, with multiple people. I was put on hold and transferred. There has to be some accountability. If there's no recourse for victims like me, who's to say it's not Wells Fargo doing to scam their own customers?

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported In XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent The periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-08-13 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: MO

Complaint narrative:
My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported In XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent The periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer 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 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase J.P. Morgan decided to close my account after thirty days but wont tell me why. Then they are withholding my funds and wont give me a reason it was brokerage account, checking and savings

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
On our around XX/XX/XXXX, they released money to pay for my uncles cremation. That is the only money that I know they have released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in XXXX  color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX  color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in XXXX  color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bullcity financial states they are trying to collect a debt from me, that is not my debt. This showed on my credit report without any kind of validation or verification. 
XXXX XXXX deleted this from my credit in XXXXXXXX XXXX XXXX  due to fraud charges and then turned around and sold to Bull city Collections. 
This is double fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
I have been locked out of my Robinhood account because the system says that they have sent a verification code to an old phone. I have followed the steps to unlock my account by submitting my license into the robinhood app, taking pictures and videos of my face into the app as well as logging into XXXX using my connected bank accounts. I continue to receive the same message that my identity can not be verified. I have sent Robinhood over XXXX emails to the support email and they keep responding telling me to follow the same steps that I have already tried. At first the support email address was responsive then they just started ignoring my emails and replying several days later. Despite what their website says, there is no way to chat online or speak on the phone with Robinhood unless you are already logged into your Robinhood account which I am unable to log into. I keep repeating the same thing to them over multiple emails for almost 1 month now. I have requested a phone call, to speak with a manager and I keep getting the same generic response from different representatives asking me to follow the same steps. I have called the generic number listed for Robinhood but the system hangs up on me because I do not know my account number because I cant log in. I have been locked out of my account about a month now and have a lot of money in my account. I have recenlty missed a historic stock trading oppurtunity because I have been unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: IL

Complaint narrative:
I noticed a collection account in the amount of {$700.00} on my Experian credit report from XXXX I never had a account with XXXX I reach out directly to them in filed a identity theft report & also filed a police report last year that I sent to all 3 credit bureaus.

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 2024-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding the improper and potentially fraudulent execution of the Assignment of Deed of Trust and Substitution of Trustee that was recorded in connection with my mortgage loan. 

The Assignment of Deed of Trust, which was recorded on XX/XX/year>, was signed by Assistant Secretary, XXXX XXXX, who, I believe was not legally authorized to sign this document. 

The Substitution of Trustee, which was recorded on XX/XX/year>, was signed by Assistant Vice President, XXXX XXXX, who, I believe was not legally authorized to sign this document. 

Specifically, I have reason to believe that XXXX XXXX who signed the Assignment of Deed of Trust and Substitution of Trustee is not an authorized representative of the beneficiary and lacked proper corporate authority. XXXX XXXX, who falsely represented themselves, as Assistance Vice President for Nations Direct Mortgage LLC., and as Assistant Secretary for Mortgage Electronic Registration Systems , Inc. XXXX is presumably a Manager at XXXXXXXX XXXX XXXX XXXXXXXX XXXX according to their XXXX profile. This misrepresentation of authority calls into question the validity of Assignment of Deed of Trust and Substitution of Trustee and any subsequent foreclosure actions taken based on these documents. The parties involved failed to adhere to legal requirements. 

As a result, the fraudulent signing of these documents has resulted in the subsequent foreclosure actions jeopardizing my property rights and causing me and my family significant distress and legal complications. 

I request that CFPB investigate the legitimacy of the XXXX XXXX Deed of Trust and the Substitution of Trustee and the authority of XXXX XXXX and take appropriate action against all parties involved in the fraudulent signing. 

Attachments : - Copy of Assignment of Deed of Trust - Copy of Substitution of Trustee XXXX XXXX ( XXXX ) XXXX XXXX profile - Nations Direct Mortgage Leadership Team

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Skopos Financial, LLC
State: OR

Complaint narrative:
I called to do a payoff over the phone on XX/XX/year>. I was quoted a payoff, and I paid the full amount I was told to pay plus a {$5.00} transaction fee because they don't let you do a payoff through the online system. I received a confirmation number from the gentleman as well as an email. A few weeks goes by, and I get a bill from XXXX  in the mail with a balance of {$24.00} I called, and they said they had to listen to the conversation in order to know what happened. I get a call back 2 hours later from XXXX the customer service manager and he said I apologized and said he listened to the call, and I was in fact quoted the wrong amount, but I needed to pay the 26 days of interest in order to get the account closed and there is no other way around it. I reiterated that he said I was quoted the wrong amount, and I have to pay for someone else not correctly processing the payoff. He said the payment was made incorrectly and yes, I needed to pay the remainder of the amount if I wanted to close the acct. This is extremely unfair practice. I am having to pay for someone else 's mistake. XXXX said I listened to the entire conversation, and you were given incorrect information but there is nothing we can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: PA

Complaint narrative:
In accordance with the fair credit reporting act convergent account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the removal of the following incorrect information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I demand the removal of the following inquiries : 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 explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TRANSCARD, LLC
State: TX

Complaint narrative:
I recieved a virtual Transcard as a refund from XXXX XXXX XXXXXXXX XXXX  located in XXXX, TX. I stored the virtual card in my cell phone wallet. On XX/XX/year>, Within days of receiving my virtual Transcard, my cellphone and wallet were stolen from my vehicle while parked in my parking spot in the garage of XXXX XXXX XXXX a police report of the theft from my vehicle was made to XXXX XXXX Police Department. The thieves quickly took over my financial accounts, and I also reported theft of my identity to The Federal Trade Comission. On XX/XX/XXXX, I contacted Transcard about the incident and they informed me of fraudulent account changes and transactions that had already been made since the theft. The thieves had been able to create a pin lock on my account that I had not ever used, and then fraudulently spent a total of {$910.00}. Transcard closed my account due to theft and my card was locked, apparently for my protection. The card was locked with a remaining ballance of {$80.00}, that had not yet been spent and I would not be able to access. I was then directed to file a dispute by email to the Transcard Dispute Team that included the details of the theft and the police report that was made. I was told that I would retrieve the stolen funds and the {$80.00} ballance after a short investigation was conducted. For the fraudulent transactions and the remaining ballance, I lost a total amount of {$990.00}. On XX/XX/XXXX, I was informed by email, that my dispute was denied. The denial for my dispute was based on false reasons that were entirely irrelevant to my situation. I contacted the Transcard Fraud Dispute Department by phone and spoke with a manager by the name of XXXX. XXXX directed me to re open the dispute because the denial was based on irrelevant and inconclusive reasoning. On XX/XX/XXXX, I sent the email to reopen the dispute, and I did not recieve a response. I have not been refunded the amount lost from the fraudulent transactions, {$910.00}, or for the remaining ballance of {$80.00} that was still on the card when my account was closed.

Company response to consumer: Closed with explanation