vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have not been able to access my Equifax score or credit report since XX/XX/. I began calling to figure out this problem around XX/XX/XXXX. They wanted to put it off as a website issue but I advised it is not only their website issue is on every site. I advised I was in process of mortgage loan and asked for any freeze to be removed because lender couldnt access score. They advised freeze removed. On my third call to check on this issue I was now advised there was an internal block on my file and needed to mail copy of ID and social security card. I mailed info that was requested. Called after a week and they advise they dont have anything. This is preventing me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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
Consumer complaint received 2024-02-09 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: FL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was contacted via email with an acount with XXXX I use to have an account with them but they closed it. I am not sure why this was contacted to me but the person assumes that the money and account is mine and they are trying to resolve my finicncla needs from entitlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: Northstar Location Services, LLC
State: FL

Complaint narrative:
Ive Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXX  Account XXXX Company Name : Discover In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2024 I applied for a travel credit card through XXXX that was to pay me 5 % cash back on travel purchases. I charged {$3100.00} on that day. About a week later ( upon receiving my physical credit card ), I attempted to utilize the card to charge payment to a hotel, but was turned down. Upon calling, I was told my account was frozen because of possible fraud. 
In order to fix it, I was told I needed to send copies of a drivers license, Social Security Card, and a utility bill within an e-mail. Luckily, the people at XXXX were willing to do this for me, because I have no idea ( I am XXXX XXXX XXXX ) how to do that. 
When I asked about my cash back, I was told I needed to be verified in order to find that out. 
I would expect Comenity Bank still expects payment while this investigation is going on. I believe I am also entitled to the cash back in a timely manor. Either they are dragging their feet to avoid paying me the money I am entitled to or they are gathering more information on me to sell. Either way, I believe they are intentionally delaying payment and Ill bet I will need to jump through many more hoops in order to receive the money I am entitled to simply by using the card. 
On XXXX XXXX I called for the fourth time. I was told they did receive the email containing my information. They said it would be reviewed and I would be notified in about XXXX days as to their findings. However, about an hour later I got a letter from Comenity with detailed instructions on how to e-mail the information. It specifically stated the information needed to be emailed as a PDF and that both sides of the SS card needed to be sent. I am guessing they will reject my information because of some formality. 
In a normal world I would expect them to quickly get me the rebate I am entitled to, but am betting this will not be the case. 
On XXXX, XXXX I mailed payment in full to Comenity Bank. I also began this complaint against them with the Consumer Financial Protection Bureau. 

The reason I began this complaint is because I do not expect Comenity to do the right thing by getting my cash back to me without extra urging by the Consumer Financial Protection Bureau. I do not intend to ever use this credit card again so I can really care less about their actual findings. Again, the cash back is the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/XXXX the other person on the loan was in an accident. Found out car is a total loss. We informed Regional Acceptance by mail and phone call. I received an email alert at the beginning of XXXX Regional Acceptance increase the amount we owe. I was in the hospital due to XXXX  XXXX XXXX XXXX, XXXX ' XX/XX/XXXX. I was going to call them but I was still in pain at home recovering. The other person on the loan was informed by a rep at Regional Acceptance in XX/XX/XXXX they will remove the car loan from our credit. Today I received an alert concerning a hard inquiry. I noticed Regional Acceptance pulled my credit for a personal loan we didn't authorize. Also notice between XX/XX/XXXX and XX/XX/XXXX they did remove the loan from my credit and then stated account closed. The car is a total loss and it should be removed from my account as well as XXXX XXXX ( the other person on the loan ).

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 2024-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
CAPITAL ONE fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). CAPITAL ONE is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent activity.

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 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I was recently divorced and on XXXX it was finalized. Upon getting ready to do my taxed I found that my ex-wife went online to irs.gov created a idme.gov account and in XXXX of XXXX she had all money and letters sent to her and money deposited into her bank account ( XXXX ) at Flagstar Bank in XXXX MI. 
XXXX time only when I deposited a check we both received and signed it on the back and deposited it into her bank account it was sent back to us saying " PAYEE NAME NOT ON ACCOUNT '' She was told that we had to open a joint account Even after having the joint checking account money of our was still deposited into her bank account ( XXXX ) ONLY..?? 
She received checks in both our names in XXXX of XXXX or XXXX XXXX of XXXX and we went to branch and branch deposited all money in her account?? 
They asked where to deposit the money and I replied as the checks state My ex-wife said her account and that's where it went??? 
Attachments are only for federal tax returns and some stimulus money? 
I don't know how much she received for me from the state with XXXX having the kids.

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 2024-02-09 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: VA

Complaint narrative:
I am writing to officially contest several hard inquiries that have recently appeared on my credit report, as provided by your agency. Upon careful examination of my credit history, I have identified specific hard inquiries that I believe are inaccurate and request their prompt removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: VA

Complaint narrative:
I am writing to officially contest several hard inquiries that have recently appeared on my credit report, as provided by your agency. Upon careful examination of my credit history, I have identified specific hard inquiries that I believe are inaccurate and request their prompt removal.

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 2024-02-09 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: NJ

Complaint narrative:
IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX/XXXX  ACC XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: OH

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XX/XX/XXXX Wells Fargo closed our Business savings Account with approximately {$2000.00} in it. The reason stated because we did not verify our physical address. They said they sent up a letter to this effect months ago ( we never received it ) So no further notice either my mail, email, or phone call they closed our account. They ate now closing the rest of our accounts today also even though the physical address we changed after this mess yesterday. They said they sent us a cashiers check with the money from the closed account to the unverified physical address they were complaining about. No check has been received. This was the most unprofessional act a bank could have ever done. We have been account holders since XXXX when they were the XXXX XXXX  not even Wells Fargo. We have run approximately {$500000.00} through our small business last year. We were not important enough for them to call us or notify us in a better manner that insured we had gotten the notice than this. This was just garbage. They should be held accountable for the lack of care shown to us and our money. We lost time and money to get this straightened out. Wells Fargo... make this right..Any one else reading this..DONT BANK WITH THEM. We changed banks yesterday. 
You are a joke... 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 explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I called because i tried to move money. They refused to move money and says my account is frozen. I have verified all information to them. Name, XXXX, SS, Special code word. They say they will send a verification to my phone and the didn't. I ask them to send it to my email, they wont. I have spend hours on the phone. They say they will call back they never do. This has been going on since XX/XX/2023. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XXXX XXXX, XXXX XXXX, and XXXX XXXX Freedom Mortgage tried auto drafting my partial ( bi weekly ) 3 times, each causing NSF from my bank. I manually paid the amount on XXXX XXXX and returned payments to monthly payments on the XXXX. Today, the XXXX, I receive another NSF for the XXXX and confirmed with the bank they attempted to draft again. Two different calls with freedom ended in " we didn't pull that payment, the bank must have tried to send it or something else ''. I repeatedly asked for a manager or some type of escalation but they refused. Ultimately, I placed a stop payment with my bank for the specific partial payment amount to avoid this. I'm now out an additional {$29.00} because freedom refuses to acknowledge their mistakes.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Foursight Holding LLC
State: VA

Complaint narrative:
I was never notified about missed payments or anything involving my account then they came XX/XX/XXXX and repo my car. I havent had access to my email on file in months because its been hack and I been trying to restore it with no luck what can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
After my Mom passed away, her family inherited her home. During the Probate processXXXX XXXX XXXX XXXXXXXX, the lender, transferred the mortgage servicing to Select Portfolio Servicing ( SPS ). However, after the transfer, SPS claimed that we were not authorized on the account and denied us access to the account, including payment information. Consequently, they initiated foreclosure proceedings on the home. Despite our efforts to obtain information on the payoff amount needed to rectify the foreclosure debt, SPS has refused to provide it. They instructed us to contact their attorney for the redemption period cure amount, but their attorney has not been responsive. It seems they are deliberately delaying the process, preventing us from resolving the debt and retaining our family 's home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation