vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
please reference previous complaint # XXXX I am attaching the receipt from Truist bank and my statement where it was taken out of my account. I called the bank myself and they told me I did not pay this. This alone shows me that something fishy is going on. What did they do with this money and why are your books off? I did pay and here is the proof. I would kindly request a refund of this amount. 

Also, I am attaching the letter that I received from the past complaint. There are a few discrepancies. 
1 ) the XXXX was contacted on XX/XX/XXXX ( see disclosure showing rate lock ends XX/XX/XXXX - 6 months from lock in. 
2 ) " the cost of the rate varies '' Ok... I don't believe that people have to pay 1.5 points without anyone telling them that is how they are getting the rate. It still needs to be disclosed BEFORE I pay an enormous lock in fee of {$1700.00} and it was not. Although you are stating it does, the XXXX even apologized to me stating that she " normally tells people this '' and she was sorry that she did not in this case. During my conversation with my XXXX I WAS NOT advised of the rate lock fee or the points ... of course she is going to say this. I even called the manager to listen to the phone recording because I KNOW she DID NOT. He said they don't record those conversations. This XXXX is wrong and she just needs to admit that she made a mistake instead of lying about it. 

- the one truth is that I did receive my updated disclosure on XX/XX/XXXX through the portal HOWEVER it was never mailed to me. This was 3 days after I locked. 

The rate lock form that I signed is attached and FLOAT OPTION is marked and at the top it says... to please review the float or rate option marked below and I did just that. The float option has nothing about rate lock fees or them being non-refundable. I did not read the rest because it specifically says review the option MARKED. 

I am attaching the receipts and would like this to be revisited with MY proof that I paid even though Truist is showing no record. Please allow this to be refunded. Anyone can see that all this was just wrong and the XXXX  did not act in a professional manner and she did not do her duty to the consumer by disclosing everything ahead of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Its coming up on XXXX months since I first filled my dispute with Navy federal credit union. I still dont have a response to my XXXX complaint or resolution. Yet baby federal credit union still calls me wanting me to pay a balance. It shouldnt be that difficult to give me my money back as none of the chargers we authorized by me. I filled a police report and have sent it to navy federal several times with no response or resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
I had an account with Self Lender and during the pandemic during this turbulent I fell behind on my payments do to lost of my employment. I have always made on time payments and called Self lender to see if they could work with me during this hard time in our economy. When speaking with the representative I was told that there wasn't anything that they could do even though we were facing a terrible time as a whole in the economy. As a consumer I would think that the company would be more compassionate during these hard times all I was asking is to have the two payments reversed to show positive payment history since I did make the payments and always held good payment history and never late since this was during the pandemic and at that time company 's was under a order to assist their customers that was under a financial strain and this option was not provided by Self Lender. These marks on my consumer report is effecting me from getting a home which is apart of my mode of living and credit worthiness. Please do an investigation on these payments and promptly have them reverse to show in good standing on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: GA

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2024-04-11 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: GA

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: GA

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After this conpany stated that my investigation had been completed ; I sent a letter asking them to reinvestigate these accounts listed below XXXX XXXX XXXXXXXX This account is not accurate as I have never been known as XXXX XXXX XXXX. This information is false and not accurate. They have not responded to my letter within 30 to 35 days and my tracking number for this letter sent XX/XX/year>. This company has not responded to my letter within 30 to 35 days and my tracking number for this letter is XXXX. Please look into this matter. 

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer Delete account From my credit report, as well as all derogatory remarks from my credit report, because of multiple violations of the fair credit reporting act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: OH

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NC

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau regarding an issue with a recent Remitly money transfer service. On XX/XX/2024, I initiated a money transfer to XXXX with the expectation that it would be delivered within minutes, as stated in the terms and conditions. However, as of XX/XX/2024, the transfer is still pending, causing significant inconvenience and frustration. I've asked for my money to be refunded to my account, yet Remitly insists that the funds have already been delivered to the bank. However, according to the tracking information, it's evident that the money has never been dispatched Furthermore, my attempts to address this issue with customer service have been met with unsatisfactory responses. Each time I call, I am greeted by representatives working from home amidst considerable background noise, making it difficult to communicate effectively. Additionally, there has been a lack of apology or explanation regarding the delay in the transfer, further exacerbating my concerns. 

It is deeply concerning that despite the clear terms and conditions promising prompt delivery, the service provider has failed to uphold their end of the agreement. Moreover, the subpar customer service experience raises doubts about the security of my private financial information. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that consumers are protected from such instances of poor service and potential breaches of financial security. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: GA

Complaint narrative:
I was sick and out of work for 3 months I was late on the XXXX talked to XXXX XXXX XXXX about making an expedited payment they suggested XXXX XXXX made payment on XXXX they charged me a XXXX cent expedited fee send XXXX  an email of guaranteed certified fees they tagged my credit of being 30 days late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, XXXX My spouse reached out to IC System concerning an account on my credit report and spoke with a representative named XXXX XXXX XXXX After confirming my information, my spouse requested documentation regarding the debt. The representative informed my spouse that XXXX had already sent the documents back in XXXX. My wife asked which address were they sent to. The representative provided an outdated inaccurate address where they were supposedly sent. My spouse corrected the address, but the representative insisted for my wife to mail a request to IC System in order to obtain the documents. In addition, neglected to mention our right to dispute the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: MI

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 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 XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: MI

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 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 XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Formal Complaint Against TransUnion for FCRA Violations Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against TransUnion for its failure to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines, particularly regarding the accurate reporting of credit information and the resolution of disputes. 

Inaccurate Reporting by XXXX XXXX : TransUnion has inaccurately reported information from XXXX XXXX, including accounts under names such as XXXX XXXX XXXX and XXXX XXXX XXXX, leading to significant discrepancies in my credit file. This includes incorrect charge-off reports and payment histories that do not match my records. 

Failure to Correct Disputed Information : Despite numerous disputes filed, including detailed documentation, TransUnion has failed to correct the inaccuracies related to the accounts reported by XXXX XXXX. This is in direct violation of FCRA requirements that obligate credit reporting agencies to conduct thorough investigations upon consumer disputes. 

Impact on XXXX : The inaccuracies on my TransUnion credit report have unjustly lowered my credit score, affecting my ability to obtain credit, secure loans, and impacting employment opportunities. 

I request the CFPB to intervene and ensure that TransUnion conducts a thorough investigation into my disputes and corrects all inaccuracies in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My Chase account was closed by the bank on XX/XX/2023 due to unknown reasons. They said they would send me a check for the remaining balance. Its been over four months now, I go to their banks and call their costumer service regularly, but they have been telling me to wait every time. I am an XXXX XXXX here, without that bank account, I am really struggling with my financial situation. Please help.

Company response to consumer: Closed with explanation