vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-21 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX refunded me in full for my stay on XXXX  - XX/XX/ for {$380.00} on XXXXXXXXz There has been no information as to why I was charged again on XXXX. Ive spoken to several employees as well as sending an email to the manager asking for clarification. No one had gotten back to me. 

I opened a dispute with Wells Fargo on XX/XX/. I forwarded the email from the hotel stating I would be refunded. Wells Fargo said they will credit me the charge on XX/XX/. I reviewed my account and the charge was not credited. I called again on XXXX  the dispute rep said she saw all of the information there and would process the credit. To date the credit has not happened. I called on XX/XX/XXXX  and the dispute rep now tells me they have to close the old dispute and create a new one. 
I need this resolved and the interest rates from the fraudulent charged credited back to my account. 

Please advise on next steps.

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 2023-07-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
We are in a CARES Act protected program in consideration by HAF/DEO Florida - We applied in XX/XX/XXXX when 18 months was the allowed period of time. We are a family of whom three persons have XXXX. Our case was decided 5 months late so as to group us into XX/XX/XXXX when FL Executive order decided to reduce federal fund payouts to only 6 months. Rapidly our case was closed to make it inaccessible since. We are whistle blowing and pursuing the 12 months still owed separately by formal appeal XX/XX/XXXX after a wage-earner within the family has long XXXX and XXXX XXXX as a result. There have been covid funds questions since as missing funds may have been diverted away from the benefit of homeowners like us. 
Meantime, Midland Mortgage & MidFirst Bank are aware of all this as the fact of a government review being fully noted on our mortgage. Instead, the bank is pursuing delinquency. They did not follow the CARES Act and on our case which is fully certified and underway by HAF they reported both mortgagee homeowners to the credit bureaus, ignoring a Forbearance request sending a form letter requesting documents prohibited by the CARES act. They ignored an online application filed XX/XX/XXXX when non delinquent and while refusing to reply under the Americans with XXXX XXXX as pre-notified they reported us to the Credit Bureaus so our good standing credit of XXXX dropped almost XXXX points. Every loss mitigation step we qualify for including streamlined USDA refinancing on our government-guaranteed mortgage was bypassed. We noticed they started pursuing debts days within the 15 day grace period when they hadn't yet defaulted, as well as fees which Statute prohibits. Every effort to resolve by our reaching out repeatedly with proof was ignored, instead accelerating us into foreclosure. This is bad faith by the mortgagors which has worsened our health and they are liable for job impact directly caused by continued non compliance and non response. The online access seems to exist as a front to purport to be following statute and stipulations.

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 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to 15 U.S. Code 1666b this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These reporting of these accounts are not related to any transactions related to the consumer.

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 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/2023, US Bank sent me two separate letters notifying me of closing my checking accounts. As of today ( XX/XX/2023 ), I have not received the refund check for my account balance of over {$4000.00} in total. 

I made numerous phone calls to the customer service center but they all simply let me wait for the refund check. When asked about the details of the reason for account closure, they refused to provide more details. 

US bank has also disabled my online account. I have made numerous phone calls, but my online account has not been enabled as of today.

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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: ID

Complaint narrative:
For several years now, Discover Card has offered 5 % cash back from XXXX through XXXX for XXXX purchases using a Discover card. This year they seemed to have expanded it, listing " digital wallets '' as the current 5 % cash back category. XXXX is a digital wallet by definition, and since previously it was XXXX exclusively, one would think that Discover simply expanded their 5 % cash back category this year to include all digital wallets. After receiving only 1 % cash back on a Discover Card XXXX purchase earlier this month ( XXXX ), it seems that Discover is using their own definition of what a digital wallet is, instead of the generally accepted definition of a digital wallet. They are excluding XXXX from being a digital wallet, even though XXXX is definitely a digital wallet. This is very deceptive because they simply say 5 % cash back for " Gas Stations and Digital Wallets '' for XXXX through XX/XX/2023. Here is the official description of XXXX : " XXXX is a financial services company that functions primarily as a digital wallet and money transfer service. '' Thus, Discover Card is employing a deceptive promotion in excluding the longest running, best known digital wallet in existence!! And no, I have no affiliation with XXXX other than being a long time user of XXXX 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 2 XXXX  XXXX  credit cards I paid off that were in collections and Equifax still shows its under derogatory status even though the other credit Bureau states paid Account number XXXX is XXXX Account number XXXX is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
This company has been practicing deceptive and unfair acts in their day to day activities. They are knowingly and willingly giving us consumers false and inaccurate information from in almost every aspect of the credit transaction pursuant to 15 usc 1611. 
Deceptive practices pursuant to 16 CFR 911. 
They had me claim a citizenships I was not apart of, took my social and used it for banking purposes on which was not disclosed, Privacy Act Violations Trading with the Enemy Act violation, Emergency Banking Violation, Fair Credit Reporting Act, Federal Code Regulations. and many more. listed here in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-07-21 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: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-07-21 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: GA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great 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 2023-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
Rocketmortgage did not pay my home owner 's insurance out of my escrow account. My insurance was canceled and I had to renew it at a different price. I was without insurance for 3 months. I tried to resolve this issue, even had the home owner 's insurance company to contact them. They are all of this my fault. They said I was without the 3 months coverage and I own {$470.00} XXXX and some change. I wanted to pay the XXXX without it being added monthly payment but they did anyway. Now they say my escrow account is short by a XXXXXXXX XXXX I returned a check to them for XXXXXXXX XXXX for my escrow account. But I can't seem to get a straight answer from them as to how my account is short if I haven't missed a payment. They are the ones who caused this issue by not paying my home owner 's insurance. I thought this is what your escrow account is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon checking my credit report Ive noticed a fraudulent unauthorized inquiry and according to the ( FCRA ) legally, these unverified and unauthorized items must be 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 2023-07-21 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have am a member of and have a home equity loan with Randolph Brooks FCU ( RBFCU ). My payments are due on the XXXX of the month and a late fee is added if the payment is after the XXXX. RBFCU has indicated that payments can me made on their website ( https : //www.rbfcu.org/online/login ). I made my payment on XX/XX/2023 at XXXX XXXX  on their website. I received a message that the payment about be posted in 2-3 days. 
I have now received a statement that includes a late fee of {$37.00}. 
I emailed RBFCU and asked to have the late fee removed to which I was told that since the payment didn't post to the loan on/before the XXXX, it was late. I advised that I made the payment on their website and was never informed that the payment had to be posted to the loan on/before the XXXX. They refused to refund the late fee. 
I filed a BBB complaint. XXXX with RBFCU reached out and I again explained the situation. He said that when a consumer makes a payment on their website, it is processed via XXXX which takes 2-3 days for the transaction to happen. I explained that as a consumer, I was not privy to their processing. I as a consumer had no idea that the funds were immediately available. I explained that I have never heard of a creditor charging a late fee for a payment not being posted to a loan/account due to how the creditor processes payments. He said they will not refund the late fee. I asked why none of their websites/written info indicate that the payment must be posted to the loan on/before the XXXX or I would be charged a late fee. He said that he would let his IT dept know and see if they would add language to their https : //www.rbfcu.org/online/login that the payment is late if it's not posted to the account by the end of the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My loan transferred to Lakeview Loan Servicing this month XX/XX/2023. When my automatic draft did not draft on the authorized date previously set up with my previous servicer I called Lakeview Loan Servicing to inquire about the draft. On XX/XX/2023 I spoke with an agent who said my draft date transferred showing it was to be pulled every XXXX of the month. I requested to cancel the draft for this month and pay the payment on that day. She took my payment for {$1300.00} and assured me my automatic draft would continue next month for {$1400.00} which includes an extra {$100.00} towards principal. 

Today I noticed that Lakeview actually drafted an extra payment for {$1400.00} in this month of XXXX on the XXXX. I requested that they fix their error and refund one of the payments as the {$1400.00} was not authorized until XX/XX/2023. The agent named XXXX declined to assist me in refunding it because they needed proof of the payment. I relayed to him that I am not at fault here and it was their error and they didn't even have permission to draft it. He transferred me to XXXX ID XXXX who also declined to refund it and advised me auto draft can't be cancelled for the month it is set up. I told her that is not legal and if someone calls to cancel a payment it should be cancelled as they do not have permission to draft it at that point. 

XXXX refused to refund the payment so I requested to cease all auto draft payments set up. I requested a supervisor which she declined to transfer me to and said they would call me back within 48 hours. 

Their policy to not refund unless proof of payment is provided is ridiculous and not logical. The transaction has cleared my bank and it's been greater than 5 business days at this point. They did not even have my permission to draft it and especially not on that date of the 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