vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
the bank offers an extra day for us to make the deposit and once again I felt cheated. I had an account to be debited today and they send an email saying that there is this period and they don't give the extra day at all. my account came back, I lost my service and I will still have to pay interest because the bank says give it a day and even sends an email confirming it but nothing happens. are playing with the consumer. this is already the third complaint that I make here and after solving all this because I felt aggrieved, I'm going to look for another bank because in this bank my money does not yield anything, not to mention the absurd fees they always charge.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

I'm reaching out regarding these fraudulent items for assistance to REMOVE them from my credit report 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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I'm reaching out regarding these fraudulent items for assistance to REMOVE them from my credit report 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 2023-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
Southwest Credit has been continuously blowing up my phone morning, noon and night. WHY? 
First of all these debt collection companies have to prove that the debt is mine which this company can not do. 
Southwest Credit has been repeatedly calling my phone on a daily basis with no specific data or reason. Just completely blowing up my phone and when I answer the tele, most of them do not speak. The ones that do claim that I owe them something! I've never done business with them! 
No one can give me any proof or accurate information about WHY THEY ARE CALLING! 

This is straight up harassment! They have called my cell at least 17 times in the last 7 weeks!!!!!!!!!! I am being inundated with calls for what reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In a letter dated XX/XX/XXXX, CapitalOne stated they would reduce my payment for 6 months starting XX/XX/XXXX ; though they never followed through. I continued to tell the representatives that the payment was supposed to be reduced and I was told that that arrangement was denied and the full regular payment amount was due. I've been making the full payment since XX/XX/XXXX, except for one missed payment in XX/XX/XXXX. Now CapitalOne is threatening to repossess the car because they state I am behind 3 months at the full payment. I made a full payment in XX/XX/XXXX, and they are demanding another full payment today XX/XX/XXXX in order to make a separate payment arrangement to avoid repossession. CapitalOne did not honor the agreement they made in their formal letter to reduce payment and continued to demand the full payment amount and continued to call and threaten repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting a charged-off lease account on my credit reports that I have been disputing for a while now. I have disputed this account directly with each credit bureau and XXXX directly and have not reached a resolution. I sent a letter to XXXX XXXX requesting all documents and validation of this debt and have not heard back or received any type of communication back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. How are the credit bureaus able to verify this account as accurate when XXXX hasn't verified this account with me? I am sure if I haven't received a response surely the credit bureaus have not heard anything back. This account was also deleted from my credit reports with XXXX but the other XXXX bureaus are reporting this account. If all bureaus receive their information from the same place how can they verify this account? It is illegal to verify inaccurate information on a consumers report. This account is in clear violation of my rights as a consumer and I am requesting that it be deleted from my credit reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I called Equifax because my credit score dropped XXXX points in two days without cause. The other two agencies did not show a drop. I called Equifax to ask them to explain why they dropped my score. The Equifax service agent on the phone could not explain why it had such a drastic change. Nothing had changed on my end. Payments were made on time. My balances are lower than the previous month. Equifax could not give me a reason why it dropped. I went online to find out my credit score on their Equifax website and it showed a "? ". I told them even the site showed a "? ". And now, after talking with them, I don't even get the page with the "? '' or the " credit score '' link to where the site should populate and show my score. The " check my score '' link on my site was removed. 

They give me a fictitious score, any score, on their whim without justification nor any answers for their actions. 

My husband pulled up his Equifax account online with no issues. It populates his score through the link that is missing on my site. Identical pages only mine does not have that link. My Equifax online account does not show my score. 
I do not understand why my account dropped XXXX points nor could they give me an explanation why my Equifax website showed "? ". 

I would like an explanation, otherwise, this is pure discrimination. Or, quite possibly, their underhanded attempt for me to sign up for their " raise your score instantly '' propaganda. 

It does not make me happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: HI

Complaint narrative:
I deposited a settlement check from my lawyers on XX/XX/XXXX to this account. The bank accepted the deposit, but held the funds for several days, as I would have expected is customary. The bank then released the funds to me by XX/XX/XXXX. My lawyer confirmed the settlement check had been processed and returned to them as cancelled. I accessed my account at PNC for several routine transactions ( withdrawals ) from my debit card normally - several XXXX dollars in XXXX and XXXX of XXXX without issue. I visited their branch ( above ) to access some cash from this account on about XX/XX/XXXX. The tellers were very rude to me and were surreptitiously making copies of my Hawaii state ID card, and claimed that Hawaii is " far away '' and that the ID card is " suspicious ''. It is the same card I have had for many years, since we own a home in both Hawaii and XXXX. It is the same card I used to open the account at PNC several years ago. They have previously been abusive when I present this ID card to them, and I decided that I had been abused enough by them and attempted to transfer {$23000.00} to another account I have at a different bank. PNC then FROZE all my funds in this account as some kind of punishment for arguing with their staff, and have continued to block access to my funds as continued harassment by them. I have a XXXX score of more than XXXX and almost $ XXXX on deposit at XXXX XXXX. I have done NOTHING wrong. PNC is clearly IN THE WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX - {$10.00} transferred into Citi checking account. 

XXXX - Citi checking and savings accounts frozen, told they were under review over the phone. 

XXXX - Notice of account closure given via email and letter in mail - Was told accounts will be closed within 60 days and checks for any outstanding balances will be sent - Savings account ( empty ) immediately closed, checking account still frozen but open XXXX - {$250.00} direct deposit into Citi checking account by XXXX ( employer ) Outstanding balance : {$10000.00} in Citi checking account XXXX - Unauthorized withdrawal of {$10000.00} made by Citi, classified as Other Withdrawal XXXX - Went to Citibank branch in XXXX XXXX, CA - Was told they would not be able to produce a cashiers check and that I would have to wait for the account closure to be finalized. 

XXXX - Unauthorized withdrawal of remaining {$250.00} made by Citi, classified as Other Withdrawal in Citi checking account XXXX at latest - Now-empty Citi checking account closed ( XX/XX/30 is when the final monthly statement was produced ) XXXX - Called Citibank - XXXX to be transferred to specific Fraud XXXX department which XXXX closed my account. 
- Was told that there was nothing they could do and to wait XXXX business days for a check in the amount of {$10000.00} and that they had no idea specifically when the checking account was closed. Since this account could not have been closed after XXXX, XXXX business days would elapse some time in XXXX XXXX - Called Citibank - Transferred to Fraud Prevention/account XXXX - XXXX : A check shouldve been sent out to the address on filed ( as verified ) when the account was closed. I had not received a chock, so I asked them to verify. XXXX ( the account XXXX I was transferred to ) spoke with the bank and quoted the same XXXX business days number and was very vague on when I would receive my money. 

XXXX - At least XXXX business days since account closures have elapsed with no check for the amount that Citi owes me- {$10000.00} - having been received. Complaints being initiated with appropriate regulatory 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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I now have 2 separate loans from the company Affirm reporting on my XXXX credit report that I did not open. My identity has been stolen, and I am seeking to recover my credit worthiness. Both loans where never reported to my credit report until XX/XX/XXXX, and only display 30 and 60 day late payments. No other payment history is refected and the loans appear to have been open in the year XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: CA

Complaint narrative:
Inaccurate stuff on credit report. Fraudulent activity, also reporting my credit score ithout my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I received notice from several monitoring agencies of fraudulent and unauthorized hard credit inquiries ( 4 so far ) in the span of 12 hours beginning XX/XX/XXXX in the evening and through XX/XX/XXXX in the morning. I took action to freeze my credit profile with all three bureaus then began to dispute the unauthorized inquiries that are dropping my credit score ( XXXX points overnight ). Experian doesn't allow inquiries to be disputed online per the message I received on their website while logged in to my portal. They say you have to call, but then are unable to be reached via the number provided. I tried many times and searched out several other customer service numbers for them to try over a few hours of my work day to reach someone. The IVR is impossible to navigate to a person and limited in it's ability to assist while also being the only option for assistance I have. It was unable to help me dispute an inquiry- same as the website, so I'm at a loss and victim of fraud and the monopoly of credit reporting agencies that offer poor customer service and inability to perform necessary tasks relating to maintaining a true and accurate credit report with timely resolution. I tried calling XXXX as well for the same issue- to dispute fraudulent and unauthorized inquiries- and was informed their systems were down and there was nothing they could do until the system was back up. They asked me to call back in 15 mins. That is unacceptable considering the existence of fraud requires timely resolution. These bureaus have a monopoly over consumers and through no say of ours we are owned by our credit and credit scores- therefore hostage to the bureaus who then offer no customer service whatsoever. THIS needs changed! It's unacceptable. If they were private companies in competitive industries, consumers would leave them and take their business elsewhere. They'd be forced to offer viable service or go out of business, but because they are a monopoly and consumers have no choice, we stay victim to their ways with no recourse and they skate by without any repercussions.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report. According to my credit report, I have several negative items on my credit history that I believe to be inaccurate. 

Firstly, the charge off account with XXXX XXXXXXXX ( XXXX ) is not accurate. While I did have an account with them in the past, I was never informed that it was going to be charged off. Furthermore, I was not given any notification of the balance that was owed on the account. 

Secondly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I do not have any recollection of ever having an account with them. 

Thirdly, the charge off account with XXXX XXXX XXXX  ( XXXX ) is not accurate. I had paid off this account in full, and yet it still shows up as a charge off on my credit report. 

Fourthly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I have no recollection of ever having an account with them. 

Lastly, the collection accounts with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) are not accurate. I have never received any notice from either of these companies regarding any unpaid bills. 

I believe that these errors have violated my rights under FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. I demand that the inaccuracies be removed from my credit report immediately. 

I look forward to your prompt response and resolution to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/2023 I received funds from IRS to account that has been closed for over 6 months. Navy Federal Credit Union stated that account was closed over and over and that I could not deposit or no longer use account. Today XX/XX/2023 NFCU has allowed funds to deposit into a closed account without returning them to sender or giving me a heads up regarding funds sitting in the savings account which is closed also. They have stated to me via phone recording that they will not release funds and has not given me an alternative to get funds after requesting them to send funds to me. I am now playing the phone game with NFCU to try and contact someone to assist with this issue with no luck l.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: AZ

Complaint narrative:
On XX/XX/2022, mortgage documents were executed with Lennar Mortgage/Lennar Homes . We were deceived by the product and community promised by Lennar Mortgage/Lennar Homes . The actions of Lennar Mortgage/Lennar Homes are depreciating our home value and that of every owner here. They have violated State of Arizona and Federal Consumer Protection Laws. 

# 1 - Fire Codes : Lennar did not disclose to us as buyers the red paint and stencil now painted throughout the community. They did not disclose to us as buyers the fire authoritys requested monument or commercial-like design of this monument in scale and appearance for planned install at the front of the community by our main amenity ( playground ), which is shared by both condo owners ( 138 ) and single-family owners ( 181 ) within XXXX [ one gated community ]. Lennar did not request any kind of exception to fire signage from the fire authority ( e.g. one side of the street vs both sides ). They installed excessive fire signage ( closer than the required 75 ) throughout the community unlike any other community in the county including those built by them also. Lennar did not disclose the option for fire stencil on the backflow units at the front entrance of the community. They instead installed signage negatively impacting the landscaped area and overall appearance of the main entrance/exit road to/from the condos. All changes to the community referenced above were done under Lennars easement rights following completion of construction. These changes have fundamentally changed the look and feel of the community in a manner that was deceptive. Many homeowners like myself have stated they would not have bought their condos with the community showing as negatively as it does now. 

# 2- Other Deceptive Practices : Lennar did not clean streets of construction debris, dirt and markings as promised XX/XX/2022. They did not resurface or seal streets as promised following completion of construction XX/XX/2022. They did not turn over final landscape area acceptably at the front entrance/exit road of the condos.

# 3 - Easement Damages following completion of construction : Damages to landscape by Lennars landscape contractor. Damages to landscape and underground landscape water lines ( additional impacts to underground utilities not yet known ). Concrete over-poured above ground on many signs. Concrete repair areas left unrestored to their original state. Front pavers left for obvious repair and burden of work passed to the maintenance-responsible association.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I now have 2 separate loans from the company XXXX reporting on my Experian credit report that I did not open. My identity has been stolen, and I am seeking to recover my credit worthiness. Both loans where never reported to my credit report until XX/XX/XXXX, and only display 30 and 60 day late payments. No other payment history is refected and the loans appear to have been open in the year XXXX and 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