vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
I refinanced this loan XX/XX/year> through XXXX XXXX. This was done remotely with a notary public, who took my paper work. I was told/advised by her at the time of signing that my first loan payment would be due XX/XX/year>. I was also told that no credit reporting would take place for at least 60 days. 
On XX/XX/year>, I went out on short term FMLA XXXX with my employer and spent XXXX months out of work. 
I made a mortgage payment in XXXX but wasinformed that the first payment was actually due XXXX and i would still be considered late until i made XXXX payments at the same time, which was not possible while out of work. 
At that point, i was advised by Flagstar to apply for forbearance or temporary hardship-i, filled out all paperwork and supporting documentation and had to wait for approval. I was told i would NOT BE REPORTED LATE during this process, and I followed up and stayed in touch constantly. 
When the modification was approved, I now have payments set up and i thought all was well. 
XXXX the meantime, i was transitioning to long term XXXX temporarily, however I am unable to perform some of the duties i was able to perform prior so i am currently APPLYNG FOR JOB POSITIONS that REQUIRE CREDIT REPORTS to be pulled. 
I called to discuss this with Flagstar and was advised to fill out this form. Please, Please help me by removing the late reporting! | am all set up for my payments and supposedly in good standing during this time, and I was told there would be no late reporting as long as i kept in touch and followed the loss mitigation process!! 
I will never be able to find employment making the same amount of income as i have been without a credit record that shows payments on time, which i have had up until now. Please help me keep the house by removing the derogatory reporting while I am making the payments as required.

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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased vanilla visa gift card on XX/XX/year> and the following day on the first attempt to use it to make a purchase it was declined. The card was for {$150.00} and customer service admitted they had been having trouble with the system and would have to send me a replacement card sent fed ex XXXX to XXXX  days immediate shipping. It has been XXXX  days and replacement has NOT arrived. I've called again and they just tell me lies and give me the runaround. I think this is some fraud scheme because they cant even explain why card never worked to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX BAY AREA CREDIT SERV XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX ( XXXX ) XXXX Subject : Debt Validation Request To whom it may concern, I am writing in response to a communication I received regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. Please provide the following information : The amount of the alleged debt. 
The name of the creditor to whom the debt is allegedly owed. 
A copy of the original signed contract or agreement that shows I am legally obligated to pay this debt. 
A detailed statement of the account, including a breakdown of the amount owed, interest, fees, and any other charges. 
Proof of your authorization to collect on this debt. 
I request that you provide the above documentation before any further action is taken on this matter. Please note that until you provide sufficient validation of this debt, I will not acknowledge its validity or make any payments. I also would like to note the inconsistencies on the above account as it points out on one bureau the last date of activity was XXXX XXXX. But is reflecting XXXX XXXX on the other bureaus report. 
Additionally, please be advised that under the FDCPA, you are required to cease all collection efforts until you have provided the requested verification. If you are unable to provide proper documentation, I will expect that the debt be removed from my credit report and that no further collection activity takes place. 
Please send all correspondence regarding this matter to my address listed above. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, 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 explanation
Consumer complaint received 2024-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There seems to be an identity theft going on with my Transunion credit report as someone tried to apply for a credit card with a banking institution named XXXX XXXX XXXX using my name, SSN and other details

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Upstart XXXX operations is reporting an account as a charged off on my credit bureau report. I had requesting correction from the company to delete this inaccurate information from my credit report and a Dent validation to no avail. It was also sold to a third party and reported as a charged off account thereby damaging my credit twice, double jeopardy The charged off account number is XXXX an incomplete number. This account should be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Claim # XXXX was submitted on XX/XX/XXXX. I was told by a multitude of customer service reps that my dispute was solid and Id have my money back by Friday XXXX. Initially was told my account would be credited XXXX, then XXXX, and ultimately XXXX. On XXXX the claim was denied and I spoke to resolutions who told me I could submit my documentation regarding the merchants terms and conditions and their failure to abide by these, along with my extensive attempts to get a resolution directly from the merchant. I was told the claim may be reopened but I also expressed that Id had these documents all along - Id explained from the beginning the merchants violations and not once was I asked for documentation until after the claim was denied. 

Additionally, claim # XXXX submitted on XX/XX/XXXX had provisional credit revoked on XXXX because according to customer service I had not provided documentation. I had sent the documentation on XX/XX/XXXX and the rep was able to see that it had in fact been received and that there was an error on their part in reversing the provisional credit.

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 2024-12-07 00:00:00
Product: Credit 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Last XXXX my wife and I were vacationing in XXXX. For most of our charges we used a XXXX Credit card issued to us by TD Bank. When we returned home we reviewed our statement and saw that on XX/XX/year> a charge for {$960.00} was made that was not authorized by us. The vendor name was listed as XXXX XXXX XXXX XXXX XXXX. We did not do business with this vendor. The charge was fraudulent. I personally researched the company and found that they were going under the cover of being a " consulting company '' that seems to have gone out of business and moved their address several times. This was confirmed by an employee at the XXXX that we stayed at. I wrote and called numerous times to TD Bank and they said they would not honor this as fraud because it was made at a terminal and charges were made before and after this charge. I explained that many XXXX restaurants and clubs hold your card while you are in the establishment so you do not leave without paying, and any digital pirate could have ripped down the information on the card and made the charge. They ignored this and kept sending me the same form letter. I wrote to the head of fraud for TD Bank and my letter was returned without explanation. In my last attempt to deal with them I asked for this simple information : a ) where and exactly when was the charge made ... full address and time of day, b ) what exactly was purchased, c ) proactive contact to the vendor to verify their legitimacy. They completely ignored this request and kept sending me the exact same form letter saying they were not going to pursue because the card was in my possession ( which many times, as explained above and to them, it was not ) and charges were made before and after the alleged fraud. The situation remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
For XXXX weeks I have tried to get Wells Fargo XXXX XXXX to let me use my rewards. I have over {$500.00} of rewards showing on my Wells Fargo account but when I go to my XXXX account it doesnt show any. For over XXXX weeks they keep blaming it on the other company ( wells Fargo and XXXX ) and say they are escalating this. Nothing ever happens or is getting fixed and they are playing me in circles. Wells Fargo has admitted they see my rewards but wont let me use them. Ive tried everything and every time I call back they just say theyll look into it. We are almost to a month of dealing with this and they dont care.

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 2024-12-07 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: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here Is the account I am asking you to verify as accurate : account name : open sky : account number: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 2024-12-07 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: LA

Complaint narrative:
To Whom It May Concern, This is my final request for the immediate removal of the alleged debts associated with # XXXX from my credit report. I have no knowledge of these accounts or any relationship with XXXX XXXX XXXX or its creditors. 
I previously requested full validation of these debts, as required by law, but you have failed to provide the necessary documentation. Your response to my requestif anydoes not meet the requirements under the Fair Debt Collection Practices Act. Specifically, you have not provided : XXXX The original signed contract. 
XXXX Proof of the debts ownership chain. 
XXXX Evidence of any fees or interest added. 
XXXX Proof that the required notices were sent before reporting these debts. 
Since you have not validated this debt, I demand the immediate removal of these accounts from my credit report. Failure to comply will result in legal action, including complaints to the CFPB, FTC, and a lawsuit for violations of the FDCPA. 
This is your final notice. I expect confirmation of removal within XXXX business days. 
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 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synovus Bank
State: MO

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently I have already reached out multiple times to address these issues directly with them. Their actions are in violation of my rights, and I am entitled to {$1000.00} for each of the violations outlined. They must either compensate me accordingly or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: SC

Complaint narrative:
I am writing to formally request that the following account be blocked and deleted from my credit report due to fraudulent activity related to a data breach. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this account removed from my credit file. 
Account : XXXXXXXX XXXX Account Number : XXXX, Date : XX/XX/scrub>XXXX, Amount :

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX Contact address XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number.

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 
Bank error loan was set up for automatic pay from checking account. 
Sincerely, 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 2024-12-09 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: GA

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-12-07 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: SC

Complaint narrative:
I am writing to formally request that the following account be blocked and deleted from my credit report due to fraudulent activity related to a data breach. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this account removed from my credit file. 
Account : XXXXXXXX XXXX Account Number : XXXX, Date : XXXX, Amount :

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 2024-12-07 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: SC

Complaint narrative:
I am writing to formally request that the following account be blocked and deleted from my credit report due to fraudulent activity related to a data breach. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this account removed from my credit file. 
Account : XXXXXXXX XXXX Account Number : XXXX, Date XXXX XXXX, Amount :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: WA

Complaint narrative:
I am writing to formally report that I am a victim of a data breach, resulting in unauthorized accounts appearing on my credit report. In compliance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-12-07 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: WA

Complaint narrative:
I am writing to formally report that I am a victim of a data breach, resulting in unauthorized accounts appearing on my credit report. In compliance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
When I was XXXX me and my mother abruptly had to move. We were tasked with finding somewhere to stay within days. We had to pack up a 2 bedroom apartment alone and find another one in less than a week. Luckily we found another apartment complex that was a last resort but we had no choice but to move there, they told my mother that she didnt has housing ( even though she did ), the manager would quite literally sneak us in when " her manager wasnt there '', we didnt understand so we proceeded, I was required to be placed on the lease as a resident because I was XXXX which was fine, the leasing agent brought me documents to sign, so I signed them and we could move in, now I have over XXXX dollars worth of debt in MY name because I was UNKNOWINGLY PLACED AS A CO-APPLICANT instead of a RESIDENT LIKE I WAS TOLD. This is unacceptable and i cant move into my own apartment with false property debt preventing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I used TD Banks Bill Pay feature many times to pay for utilities, so I didn't think twice about using it to pay for my auto loan. I began using Bill Pay for my auto loan in XX/XX/2020, scheduled for the XXXX of every month. However, I have since found that there are exactly 9 payments that were deposited 10 days past the due date, and the auto loan provider ( XXXXXXXX XXXX  ) charged me late fees in response to it. I requested images of all the checks sent to XXXX at a TD branch, which were provided, to match up the checks with a list of late dates I received from XXXX. I spoke with someone from TD about this, and they assured me that the checks are sent out earlier than the scheduled date to ensure there are no problems, but that doesn't exactly help me in this situation. It's clear that there is an issue with the whole process, and I should not be penalized with a fee for using a TD Bank feature. Bill Pay is flawed. 
I already filed a complaint with XXXXXXXX XXXX  and their response is just as dismissive as their staff when I spoke to them numerous times.

Company response to consumer: Closed with explanation