vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/24 Noticed a pending unauthorized charge on our joint Wells Fargo checking account ( for XXXX ) and called the bank. And told them this was a fraudulent purchase and asked for them to deactivate the card and deny the charge. They said it was too late to deny the charge. 

They asked if we had the debit card in our possession. ( My wifes card ) We told them yes. 

It was then determined that Wells Fargo, automatically sent a new debit card because the previous one was expiring soon. We did not receive this card. It was stolen from the mail and activated. 

We then received a letter saying that our claim was denied. Because the purchase was authorized, it was not an authorized purchase. We called the bank and started a new claim. Because the previous claim stated we had the card in our position with this new information, we knew the card was not in our possession. At that time I requested information on their investigation. Did they check security cameras to see that? It wasn't me or my wife. Did they listen to the voice to see who activated the card? I? Also requested what information was needed to activate this card period they did not give me any of the information requested. They said it was confidential to their investigation process. 

XX/XX/24 We received a letter that the fraud claim was a duplicate XXXX and that this claim had been closed. 

We also have since received our new debit card and activated it. The only personal information requested for activation was our zip code. I also placed a request with the Wells Fargo. Executive feedback team that debit cards should be required to have a pin number or other personal information to activate. My response from them was the amount of security needed to activate a card as adequate. We will not be making any changes. I also requested information asking how they used the debit card. Was it ran as credit? They would not give me that information. 

In summary, Wells Fargo mailed my debit card and banking information through the mail made it easily accessible and allowed someone to make fraudulent purchases and will not reimburse the fraud that occurred because of their mismanagement of my personal financial information. This should have been an open enclosed investigation. Based on our purchase history on our debit card, we do not use our debit card for daily purchases. We do that with the credit card. Our debit card is used exclusively for withdrawing cash getting cash back on purchases. Or when a store forces the use of a debit card. XXXX brick and morter purchases per month. 

We have since turned off The ability to make purchases on our debit card. So this doesn't happen again and Wells Fargo doesn't allow more people to spend our money.

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 2024-03-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Upon checking my credit report there was an account XXXX XXXX  account # XXXX opened XXXX XX/XX/XXXX that was removed on XX/XX/XXXX I want to state in my prior complaint i stated negative accounts on my consumer report so there should not be an excuse or confusion of this account being the same number as another account. I can provide prior months Experian credit reports with only this account having this # no other XXXX account on my file were showing this number. Within the past few days sense then, the account still remains on my file and has not been updated. FCRA LAW Experian is in violation of 15 U.S. 1681 i ( b ) ( ii ) Procedure in case of disputed accuracy. Under no circumstance once an account is removed, they can not place an account back on my file. I intend to pursue ligation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending ligation provided you fail to comply with this offer of settlement. I will be providing you copy of the notification of this account being 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 explanation
Consumer complaint received 2024-03-14 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: LA

Complaint narrative:
After reviewing my credit reports, I spotted some inaccurate late payments that needs reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After reviewing my credit reports, I spotted some inaccurate late payments that needs reporting and correction through your company.

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 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023, XXXX tickets ( XXXX adult and XXXX child ) were intended to be purchased for XXXX XXXX Experience Show in XXXX XXXX via XXXX XXXX  with CiTI bank master Card on the app called XXXX. The tickets were purchased while waiting in the line. Instead of XXXX tickets, XXXX tickets got charged ( XXXX adult tickets and XXXX child ticket ). The card got charged {$150.00} total ( XXXX x {$40.00} each adult tickets, and {$35.00} for a child ticket ). 

During the check in, the person who scans the ticket was notified about the issue, they suggested to contact XXXX. While only XXXX adult ticket and XXXX child ticket got scanned for the entry, XXXX  was notified right away to issue the refund for XXXX unused adult tickets. The issue was notified within XXXX minutes of the purchase. XXXX  got back to us the day later indicating that they are not going to refund us money for XXXX adult tickets ( {$40.00} x XXXX ) and instead proposed to issue a voucher for future use. 

I declined to get the voucher and contacted CITI bank to dispute charges on XXXX tickets that got accidentally charged. CITI BANK issued a conditional refund. Ultimately, CITI bank reversed the refund as they went off of what XXXX had to say. CITI BANK never inquired anytime to collect my proofs or evidence to prove fever that XXXX tickets were never used or was charged in error. They never did a thorough scrutiny.

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 2024-03-14 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: SC

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 : XXXX Account Number : XXXX XXXX  Account Number : 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 2024-03-14 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: OH

Complaint narrative:
inaccurate Reporting of information 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 5-2 Says you, XXXX XXXX XXXX , is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information 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 non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
inaccurate Reporting of information 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 5-2 Says you, XXXX XXXX XXXX , is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to urgently to address a concerning matter regarding the proposed closure of all four of my accounts with CHASE on XX/XX/XXXX ( details from a letter sent by CHASE on XX/XX/XXXX ). As a loyal member since XXXX, I am deeply perplexed by this decision, especially considering my impeccable payment history throughout my tenure. 

I have diligently maintained my accounts without a single late payment, reflecting my commitment and responsible financial behavior. However, the prospect of closing all four accounts poses a significant threat not only to my financial stability but also to my aspirations of homeownership. 

The potential closure of these accounts would undeniably inflict severe damage to my credit score, jeopardizing my ability to qualify for essential financial products, particularly a mortgage to purchase a home. Given the pivotal role that creditworthiness plays in securing favorable loan terms, such an adverse action could impede my progress towards achieving this fundamental life milestone. 

Therefore, I implore CHASE to reconsider the decision to close my accounts and provide me with a transparent and detail explanation for this drastic measure. I firmly believe that there must be some misunderstanding or oversight, as my longstanding relationship with CHASE should warrant a fair assessment of my creditworthiness. 

I kindly request your prompt attention to this matter and a timely resolution to prevent any unwarranted harm to my financial well-being. 

Thank you for your immediate attention to this urgent appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: Experian Information Solutions Inc.
State: IN

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.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received an email from Nationstar Mortgage LLC ( d/b/a Mr. Cooper ), the company which performs servicing duties for my XXXX XXXXXXXX XXXX XXXX XXXX XXXX account stating that their company was the target of a cybersecurity incident which ultimately compromised the personal information of their customers. Oddly, the XX/XX/XXXX email contained no details about how consumers information was impacted or how this breach affected the operation of their systems. 

On XX/XX/XXXX, another email communication was shared stating that their servicing website and phone systems were restored. It stated that consumers will not incur any fees, penalties, or negative credit reporting related to late payments as they worked to resolve their issues. I attempted to make a payment twice in XXXX ; once on XX/XX/XXXX which was unsuccessful due to the website experiencing issues, and again on XX/XX/XXXX which was successful. 

On XX/XX/XXXX, I submitted another payment via the website for {$3800.00}. I did not see a deduction from my account after two weeks and consequently, called XXXX to inquire. They stated that they could not see a payment on their end and advised that I resubmit. Given that it was the end of the month ( XX/XX/XXXX ), I asked if I would be subject to late fees and have my account reported due to this issue, however they said there was nothing that could be done on their end as reporting is automatically triggered to each credit bureau at the 30-day mark. I resubmitted my payment in XX/XX/XXXX and it ultimately cleared on XX/XX/XXXX. 

I received notification from XXXX XXXX on XX/XX/XXXX that my XXXX report was updated with the XXXX late payment from NATIONSTAR Mortgage LLC. As a result, both my payment history metrics and my score have been negatively affected. It is unclear whether the website payment platform issues experienced in both XXXX and XXXX are connected to the breach. 

My desired outcome is to have the late payment removed from all three credit bureaus and have a correction submitted via XXXX. My account was current prior to the XXXX issue as were all my payments thereafter ( XXXX - now ). 

Ive included supported documentation and can be reached at the contact information above if any additional information is needed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2024-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: ID

Complaint narrative:
UWM failed to make our XXXX property taxes which has resulted in late fees and accrued interest. We have attempted to resolve this over the phone and have faxed them proof taxes were never paid. Our county said they most likely paid a different parcel and not ours! UWM sent us our payment history showing they paid our property taxes, and they have refused to call our county to confirm that taxes have been paid. One of UWM call center workers mentioned property taxes checks were sent back and were not actually paid. Even then, no follow up work was done. Our new lender, XXXX has recently paid the 2022 property taxes, late fees and accrued interest on XXXX XXXX and is now charging us for them which has resulted in our mortgage payment skyrocketing. We have already paid these taxes through UWM and would like them refunded back to us along with late fees and accrued interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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