vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
On XX/XX/2023, I opened two ( 2 ) savings account with Axos Bank. I made two ( 2 ) transfers of {$8500.00} each from my mother 's external account at XXXX XXXX into the savings account at Axos Bank. 

On XX/XX/XXXX, I received a notification that my savings account are Axos Bank were being locked because they do not authorize external transfers from third-party accounts. I reached out to them via email, and Axos Bank advised me that the originating external third-party bank account needed to recall the two ( 2 ) {$8500.00} transfers. 

My mother reached out to XXXX XXXX, and XXXX XXXX immediately initiated the transfer recalls. 

On or about XX/XX/XXXX, Axos Bank only returned one ( 1 ) transfer of {$8500.00}, and then told me they had not received the second transfer recall. 

XXXX XXXX advised that they indeed sent two transfer recalls, and provided me with a trace number. 

On XX/XX/XXXX, Axos Bank again said they had not received the second transfer recall. I provided them with the XXXX XXXX trace number, and Axos Bank stated they will " review it. '' It has been over two ( 2 ) weeks now and Axos Bank has stopped communicating with me, my savings account holding {$12000.00} remains locked and I have no ability to access my funds. 

Axos Bank has been ignoring my requests to return the second transfer recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I had my tax refund in the amount of {$32000.00} deposited into my chime account on XX/XX/2023 on the same day my funds were deposited I sent some money to a family member to help with pay rent immediately after sending the funds chime put a hold on my account and asked me to verify some information which I did shortly after submitting the documents to them they then asked me to send the verification that the funds were intended for me and where the funds came from which I again sent them the information and documents to confirm that the funds were mine and intended for me after doing so and after four days of waiting they proceeded to close my account with my funds still in the account and told me I cant have access nor will my money bet sent out in a paper check. Ive called them multiple times and spoken with multiple people and every person I spoke with informed me that I indeed sent every document needed to regain access to my account but they do not have the authority to open my account that the back end office had to do so but they keep giving me the run around i have stated to them that I needed access to my funds so I can pay my bills and that I have a child with a XXXX that I have to get things for as of this moment I have {$28000.00} in that account with no access to it I have done everything asked of and have yet to be told whats happening with my account all chime keeps doing is sending me repeat emails asking for the same information Ive already provided to them. I truly need some kind of help getting this matter resolved please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cress Law Group PC
State: IN

Complaint narrative:
More evidence of unfair collection practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX From : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, simply by virtue of their profession, are especially susceptible to claims under the FDCPAs general prohibitions against using false, misleading, and unconscionable means to collect a debt. There have been a number of recent complaints in and around the 7th Circuit against attorney debt collectors, which allege violations of 1692e and 1692f by sending form debt collection letters that falsely imply the attorney has meaningfully reviewed the case. See e.g., Knack-Toms v. Meyer Njus Tanick , PA 345 F. Supp. 3d 1033 ( N.D.I.L Nov. 2018 ), see also, Bucholz v. Meyer Njus Tanick, PA, 2018 WL 4625740 ( W.D. Mich. Sept. 2018 ). These plaintiffs cite Avila v. Rubin for the proposition that a delinquency letter from an attorney conveys authority and implies that the attorney supervised or actually controlled the procedures by which the letter was sent. 84 F.3d 222, 228-29 ( 7th Cir. 1996 ). Instead of challenging the substance of the attorney debt collector letter, the plainiffs attorney generally allege that because ( 1 ) the letter was sent by an attorney debt collector on attorney letterhead that the attorney must have meaningfully reviewed/analyzed the debt and ( 2 ) because the collection letter is a mass-produced template letter which has an indiscernible signature that no meaningful attorney review has occurred which makes the letter a false, misleading, and/or unconscionable attempt to collect the debt in violation of 1692e and 1692f of the FDCPA. '' This is exactly what XXXX XXXX does and has been doing for 17 years. A misleading letter from an attorney with no signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XXXX of XXXX I purchased a XXXX XXXX XXXX XXXX  from US Auto Sales. The cost of the XXXX was XXXX. I also purchased a warranty and Gap insurance policy my total amount financed was XXXX according to my credit report in XXXX of XXXX. Now since XXXX of XXXX I have made 30 consecutive payments of XXXX which adds up to XXXX which should leave a balance owed of XXXX. As you may know my loan was transferred to Westlake Portfolio Management in XXXX of XXXX they claim I owe XXXX and am needing to pay XXXX per day interest rate. I have tried to explain the situation to them but as a result am currently facing repossession of my vehicle. I thought I was rebuilding my credit with this loan and it has inturn harmed my credit immensely. I also am required by my contract to carry a sufficient insurance on my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. Account name : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : Self Lender {$520.00} has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 non-monetary relief
Consumer complaint received 2023-08-08 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
This morning XX/XX/23 I received a " credit alert '' through my XXXX XXXX service through email. It stated that a XXXX XXXX Account was detected on my credit file. The company name is listed as SUNRISE CREDIT SERVICE. I contacted them at a number that was provided on XXXX site and was asked to provide my SS #, Phone #, a picture of a valid ID and a bill from XXXX representing my address at that 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 2023-08-08 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: VA

Complaint narrative:
There is unrecognized XXXX XXXX account with balance amount was shown in my credit reports while I never have that kind account and never use any of cell phone service with XXXX. I called XXXX and was advised that is not their account number, and the address registered from that account is not mine as well. I call credit reporting companies to dispute and remove this account 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 2023-08-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
There is unrecognized XXXX XXXX account with balance amount was shown in my credit reports while I never have that kind account and never use any of cell phone service with XXXX. I called XXXX and was advised that is not their account number, and the address registered from that account is not mine as well. I call credit reporting companies to dispute and remove this account from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a fully refundable flight on XXXX XXXX on XX/XX/2023 for {$720.00}. I later called the airline to cancel the flight, but I never got my refund. I called Capital One to dispute the charge, because I should have received a full refund. They issued a temporary credit, then later they received a response from XXXX XXXX. Capital One simply assumed everything the airline provided was correct, and denied my claim. Their letter of XX/XX/XXXX ( attached ) said they would reopen the claim if I provided them with additional information. I faxed them a copy of my itinerary, as well as the airline 's refund policy. These documents clearly showed that my ticket was fully refundable, and there would be no fees to do so. I received a form letter back saying they weren't going to do anything. Then on XX/XX/XXXX, I sent them another letter ( attached ), addressing each piece of information requested in their XX/XX/XXXX letter, line by line. They responded saying I did not provide the requested information, with yet another form letter. It's clear no one is even looking at the information I am providing, they just believe what the airline says. Capital One has solid evidence from me that the charge should be reversed in the form of letters and documentation. Someone just needs to read it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. Account name : Account Name XXXX XXXX XXXX # XXXX {$410.00} Account name : XXXX XXXX {$520.00} has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

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. Account name : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : XXXX  XXXX  {$520.00} has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My previous employer used my personal Wells Fargo credit card without my authorization and have disappeared and no longer communicating with me and turned out to be a fraudulent company ( I did not give them my credit card information ). My fraudulent employer have made charges to my credit card without my permission and withdrawn money from my credit card without my authorization/permission and Wells Fargo credit card is unwilling to give me credit for the charges that were done by my fraudulent employer without my authorization. My employer turned out to be fraudulent and have disappear since making those charges to my credit card and does not respond to any of my attempts to communicate with them. I have filed a police report but Wells Fargo is still holding me responsible for the debt even after explaining to them that this was done without my authorization or me ever given permission to transfer money from my card.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. 
Account Name XXXX XXXX XXXX Account Number XXXX 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 2023-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
This is the 3rd complaint that I have filed against Midland Mortgage for their failure to post my payments to my loan. 
Currently I am receiving assistance through the Texas HAF program. My XX/XX/2023, XX/XX/2023, and XX/XX/2023 payments were sent by HAF to Midland Mortgage ; who received those payments on Friday, XX/XX/XXXX. Today is XX/XX/XXXX and my payments have not been posted to my loan. The total amount past due was paid. I am still within my grace period for my XXXX payment and will pay that payment once I receive funds from my student loan on XX/XX/XXXX. There is no excuse for my payments being held by Midland Mortgage. They continue to hold my payments and show a past due status and charge my loan for erroneous late fees. Why are they getting away with this?? They held my payments that were sent in XXXX and held them for almost a full month before posting them. This is against the law and I do not understand why they have not been reprimanded. This is a FHA loan and payments received must be posted immediately. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TX

Complaint narrative:
My car loan was defaulted about 7 years ago. The company I defaulted with is XXXX XXXX XXXX. I missed my first payment XXXX of XXXX which was also reported to the credit bureau ( Equifax ). After that account was never brought current and was charged off. However, XXXX XXXX XXXX reports date of first Delinquency as XX/XX/XXXX, which is one year and 3 months after the original delinquency. 

I have unsuccessfully tried to contact XXXX XXXX XXXX directly multiple times to correct this error and have lodge multiple disputes with credit bureau. 

I want to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief