vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
For the life of my mortgage with Wells Fargo my escrow account was always short for the year and my next year payment adjusted for the shortage. This happening every single year even though my taxes and insurance rates did not increase proportionally if at all. The last year I called Wells Fargo I informed them that I had no confidence they could properly manage my escrow account. I requested verbally that I wanted to cancel the escrow account which Wells Fargo stated was not possible. 


My entire mortgage account needs to be reviewed for the escrow account, add on policies that I did not want or ask for and for fee 's paid. It was a horrendous experience with Wells Fargo for XXXX years. The issues with the escrow shortage ultimately lead us to put the house up for sale and ended up short selling. I also have questions surrounding the short sale of the property and if Wells Fargo acted appropriately.

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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
Exeter Finance violated SEC agreement. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding discrepancies and negative items on my credit report. Despite my previous efforts to rectify these inaccuracies, I am disappointed to see that they persist on my credit report. It is unacceptable that these erroneous items are tarnishing my creditworthiness and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The law states all items must be reported accurately and truthful 15. u.s. code 1681c-1 identity theft blocking information and 1681 s 2b 15u.s code 1692j s 2b cra must block the information within four days and notify thee furnished of the report of the fraudulent data block all current and future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, you should respect my consumer and privacy rights and immediately remove the damaging trade line from my credit reports.

I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them.

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 2024-02-14 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB, This is a complaint regarding Chase Bank 's mishandling of disputed charges. 

XXXX XXXX {$39.00} XXXX total rewards points earned Transaction details Type Transaction date Posted date XXXX Adjustment XX/XX/XXXX XX/XX/XXXX Description XXXX XXXX Merchant type Department stores Method Online, mail or phone XXXX XXXX Category Shopping Reference number XXXX After receiving the item, I found it didn't match the description, so I requested a free return label from the merchant, XXXX, which they failed to provide. I raised a dispute with Chase and provided all necessary evidence and documentation. 

However, despite the charge being reversed by the merchant, Chase rebilled me for the transaction, forcing me to pay again. This behavior by Chase is corrupt and unacceptable. I urge regulatory authorities to investigate and intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
On XX/XX/XXXX, I modified ( refinanced ) my loan with Ally Financial. I was informed by Ally due to me modifying my loan that I would need to call and cancel the GAP insurance because it would not extend to the new loan. Once the old loan was terminated the GAP should have been returned to me in full for {$790.00} which was fully applied to my Ally account on XX/XX/XXXX. I called XX/XX/XXXX and asked for the refund, however I was told by Ally that due to a payment being currently owed of {$590.00} they wouldnt issue a refund for that amount, but that they would reverse the additional fees of XXXX. I was given case number XXXX, I was told to follow up in 1-2 business days. I called back XX/XX/XXXX and spoke with supervisor XXXX whom informed she didnt see any updates but would create a follow up on the case. She gave me follow up case number XXXX and told to call back 1-2 business days. I called back XX/XX/XXXX and spoke with supervisor XXXX whom said she would email the credit dept directly to get an update, she again said to call back in 1-2 business days. I called back XX/XX/XXXX and spoke with another XXXX whom said that they will not refund the money due to the loan not being paid off. I tried to explain that the loan was modified/refinanced so the previous loan was closed and the GAP dosent belong to them period. She refused to assist me any further. I want my full refund of {$790.00} at this point because Ally is NOT entitled to my funds by any clause in the modification/refinance.

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 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was sent a payment through Venmo for {$250.00} I/O and return sent the money to my daughter and her Venmo account. She tried to return the funds and then our accounts were frozen/suspended. We were then asked to provide our IDs and we both submitted our IDs and after that we still were not able to access our funds. We have not been able to talk to anyone live. All we get is the same emails stating that they know our problem. We have also had the option to talk to someone by chatting only is a robot we are not able to withdraw our funds or send money however, they do allow us to receive money which is kind of Absurd no one is helping us. We received an email on XX/XX/XXXX stating someone would reach out to us in 24 hours. It is now XX/XX/XXXX and no one has reached out this begin XX/XX/XXXX for myself and XX/XX/XXXX for my daughter on the XXXX. my account was frozen in on the XXXX. Her account was frozen. Please help us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The law states all items must be reported accurately and truthful 15. u.s. code 1681c-1 identity theft blocking information and 1681 s 2b 15u.s code 1692j s 2b cra must block the information within four days and notify thee furnished of the report of the fraudulent data block all current and future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, you should respect my consumer and privacy rights and immediately remove the damaging trade line from my credit reports.

I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original docurse and wet signature if you can't provide these items Delete them.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The law states all items must be reported accurately and truthful 15. u.s. code 1681c-1 identity theft blocking information and 1681 s 2b 15u.s code 1692j s 2b cra must block the information within four days and notify thee furnished of the report of the fraudulent data block all current and future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, you should respect my consumer and privacy rights and immediately remove the damaging trade line from my credit reports. 
I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original docurse and wet signature if you can't provide these items Delete them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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 explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting 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:
It has been far too long that I have been dealing with the inaccuracies and errors that the agencies continue to report. While I have worked hard over the past many months there has been no reprieve from the endless fraud that the agencies have continued to report. I am now leveraging my rights under the FCRA and FDCPA to correct this once and for all, since the agencies continue to want to violate laws and report inaccurate information

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It has been far too long that I have been dealing with the inaccuracies and errors that the agencies continue to report. While I have worked hard over the past many months there has been no reprieve from the endless fraud that the agencies have continued to report. I am now leveraging my rights under the FCRA and FDCPA to correct this once and for all, since the agencies continue to want to violate laws and report inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are too many inquires on my consumer report that is there without my permission. XXXX has XXXX inquiries, Equifax has XXXX and XXXX has XXXX. I have asked constantly that they take these off because they are there without my permission and they refuse to do so consistently. Please have them do so immediately because I have sent them letters with written instruction on what needs to be deleted from my consumer report for months of XXXX and XXXX and they are not complying. They Violate my rights often as they can. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are too many inquires on my consumer report that is there without my permission. XXXX has XXXX inquiries, XXXX has XXXX and Experian has XXXX. I have asked constantly that they take these off because they are there without my permission and they refuse to do so consistently. Please have them do so immediately because I have sent them letters with written instruction on what needs to be deleted from my consumer report for months of XXXX and XXXX and they are not complying. They Violate my rights often as they can. please help.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/24 I discovered a request was made from USAA against my XXXX  XXXX XXXX account in the amount of {$1000.00}. I immediately contacted USAA and opened a fraud case same day disputing the transaction. I advised by the agent that USAA does not provide case numbers and that I would be contracted by a fraud rep with 1-2 business days. No one has contracted me and it's been 4 business days. I made a contact to USAA today XX/XX/24 for an update and was advised by rep XXXX that my case was closed. Upon me reviewing my online profile I discovered someone was able to login to my online profile, add 2 family members, change my address, request an expedited debit card ( in PA I live in FL ), activated the card, changed my email address, and withdrew {$600.00} from an ATM in PA. I was placed on hold for more than 30 minutes before the phone was disconnected when I asked for my concerns to be escalated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-14 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: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.

Company response to consumer: Closed with explanation