vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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: SC

Complaint narrative:
I am writing to inform you that I have recently received the results of the investigation into the inaccuracies on my credit report, conducted by your agency. Despite my previous disputes and the legal obligation under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws to ensure accurate and timely reporting, your agency has failed to acknowledge the inaccuracies present in my credit report.

Your refusal to correct these inaccuracies has resulted in significant damage to my financial reputation, causing me substantial emotional distress and financial harm. I want to make it explicitly clear that I am not willing to tolerate these injustices any longer.

I am left with no choice but to pursue legal action against your agency for the damages caused to my reputation. This letter serves as formal notice of my intent to sue under the provisions of the FCRA ( 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) ), and any other applicable federal laws. I believe your agencys actions are not only in violation of the FCRA but also constitute a willful disregard for my rights as a consumer.

I demand that your agency rectify the inaccuracies on my credit report immediately and provide me with written confirmation of the corrections made. Additionally, I expect your agency to compensate me for the damages incurred due to your inaccurate reporting, including but not limited to, loss of credit opportunities, emotional distress, and legal fees associated with this matter.

I am giving your agency a final opportunity to rectify this situation without litigation. I expect a response within 15 days from the date of this letter, confirming the correction of the inaccuracies and outlining the steps taken to prevent such errors in the future. Failure to respond within the specified timeframe will leave me with no alternative but to pursue legal action without further notice.

Please consider this matter seriously, as the consequences of your agencys actions have had a severe impact on my life. I look forward to a swift resolution to this matter.

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 2023-11-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. There are several misspellings of my name and addresses that DO NOT belong to me. XXXX, Experian, and XXXX assumed a vital role in the banking system and have to follow the law in furnishing consumer reports. 

I have stated several times and provided proof of my identity and correct address and each company is still inaccurately reporting my personal information. 

My name is XXXX XXXX. There should be no other names listed on my report. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX remove any other address they do not belong to me. 

If you have reason to believe the information you are being furnished and paid to report provide me with an accounting ledger so I may inspect the records. Please take not I am not asking for my consumer report but the account history for the financial gain made from my consumer report. 
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-11-01 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: CA

Complaint narrative:
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX | XX/XX/2022 PERSONAL IDENTIFICATION DISPUTE

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 2023-11-01 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In the beginning of this year 2023 Im not sure the exact date because I have been through XXXX fraud claims for this exact transaction. The first claim was resolved the second claim I had to get a whole new credit card account for my credit card that was resolved. The third claim the denied and they are denying to reopen the claim about a transaction of {$7000.00}. I cant remember the exact amount and it wont let me look up the amount on my account, but it was a transaction for almost {$8000.00} for a car rental company that I did not make but the bank is refusing to re-open the claim and its also refusing to refund my money back because they claim that the rental company has provided my name and my credit card information to them. Confirming that it was a transaction made through me, but I did not make a transaction at a rental company. I didnt even have a valid drivers license at that time so Im not sure if it was someone around me or someone they had access to my information but I keep calling and trying to resolve this situation but the bank is not helping at all anymore and are refusing to resolve this situation.

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 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I received refund Federal income tax refund check {$31000.00}. On XX/XX/XXXX I received confirmation of my Citi Priority XX/XX/2023. When I tried to get cash out I got 3rd degree from fraud department every single time. They let me deposit {$500.00} check from a XXXX in North Dakota who pays me cash rent & never had any problems, but when it s Federal Income Tax Refund, they treat me like I am a common criminal. I have told them that I am a XXXX and bill collectors are calling day after day. 

I just don't need added stress. Fraud department phone number XXXX Routing number XXXX 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 explanation
Consumer complaint received 2023-11-01 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: CA

Complaint narrative:
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX | XX/XX/2022 PERSONAL IDENTIFICATION DISPUTE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: CA

Complaint narrative:
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX | XX/XX/2022 PERSONAL IDENTIFICATION DISPUTE

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 2023-11-01 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: AL

Complaint narrative:
According to the fair credit reporting act all inaccurate items must be removed from my credit I didnt authorize these charges 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 2023-11-01 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: AL

Complaint narrative:
According to the fair credit reporting act all inaccurate items must be removed from my credit I didnt authorize these charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2023 XXXX unauthorized withdrawal of {$190.00} from my business account with Citizens bank.I had Citizens bank put a block on this XXXX 9 months before that date according to their records. But at the time I was to late to get my money refunded I would have to pay {$90.00} additional to block further. Because of this i received {$120.00} overdraft fees. I disputed it with Citizens bank. And they deactivated my account and sent me to collections. For $ XXXX {$370.00} depends on how calls my business phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01 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: MS

Complaint narrative:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Identity Theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was charged {$35.00} three separate times for ACH Return Fee : XXXX XXXX with no explanation. I can also guarantee that at the time of the transaction which likely triggered this that I had sufficient funds available. I suspect this is an example of BoA using APSN ( authorize positive, settle negative ) to be able to charge a fee that is well over the amount of the initial transaction. I tried to contact Bank of America customer service and was falsely told that this was a charge from a merchant, not from the bank itself. After getting the run-around and contacting the merchant directly, who had no record of any such fee, it is obvious that this is indeed a fee charged by Bank of America . 

Initial transaction : less than {$20.00} Total fees from Bank of America : {$100.00}

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 2023-11-01 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: AL

Complaint narrative:
According to the fair credit reporting act all inaccurate items must be removed from my credit I didnt authorize these charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My loan was transferred to a new Mortgage Servicer ( Roundpoint Mortgage Servicing LLC ) on XX/XX/XXXX and they re-analyzed my escrow and sent me a letter informing my monthly payment was increasing from {$1100.00} to {$1200.00} due to their new analysis. However, the old mortgage company ( XXXX ) had already did an " annual '' XXXX XXXX on XX/XX/XXXX and sent me the statement indicating what my monthly mortgage payment was going to be starting in XX/XX/XXXX to XX/XX/XXXX. The new servicer acknowledged having that escrow analysis from the old company & my payment was {$1100.00} with them up until XX/XX/XXXX which they changed the payment to {$1200.00}. I asked them why they're not honoring the " annual '' Escrow analysis that was done and was told they send it in for approval but nothing has changed after talking with them starting back in XX/XX/XXXX after getting their new analysis. Each time I talk with them they tell me they are submitting it for approval to honor the escrow analysis that was done by he old company and I asked them this last time why do I need to get approval when an " annual '' escrow analysis was already done projecting my payment of {$1100.00} until XX/XX/XXXX. I demanded that my payment be changed back to {$1100.00} but again after 3 calls over several months they only agreed to submit if for approval. I think it's against the law for them change my payment when I've already had an " annual '' escrow analysis done. I'm getting nowhere with Roundpoint Mortgage and I see there are a lot of XXXX complaints against them for this and lots of negative reviews from other consumers regarding these same issues with Escrow & Insurance.

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 2023-11-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
HELLO name-XXXX XXXX XXXX 
XXXX XXXX i renew my cd on XX/XX/XXXX with number XXXX online with bank marcus by goldman Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX PA XXXX this cd is keep renewing for more than two years i am loyal costumer for the bank.in XX/XX/XXXX i saw some account name XXXX XXXX XXXX is connected to my cd XXXX and my saving account XXXX and that is not my account and i never requested it. ere XXXXXXXX XXXX th withdrawal from saving XXXXand bank deposited back without informing me so i called bank today XXXXabout this fraud they ask me to to close the saving account so i did .but they didnt close my cd and asking XXXX for closing the cd.as of now XX/XX/XXXX until XXXX still that fake account is connected and showing that money will go to that account ( XXXX XXXX ) which is not mine. 
so i ask bank that i want to withdraw my money from my cd because of this scam but they are asking XXXXXXXX XXXX to do that so please help me to get my money back. 
note- bank withdrawal XXXX and put back is XXXX without my request.so they new something is wrong still not informing me. 
i talked to three different departments of bank but no response please help me to get justice i have all supporting documents and bank calls are all recorded lines of banks thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I financed a XXXX XXXX XXXX on XXXX second XXXX approximately XXXX weeks later the car was stolen. They recovered the car it sat at the car repair shop for XXXX months before I got it back approximately XXXX weeks after I had gotten it back from being fixed through XXXX XXXX XXXX XXXX the camshaft position advanced and had to go to XXXX XXXX XXXX of XXXX to put a brand new engine in the vehicle. Do to the car being stolen and then having to have a new engine replaced I have lost my job and have not been able to make the payments on the car. I called and tried to work something out with XXXX a payment plan anything and they will not work with me whatsoever and out ofXXXX months having the vehicle I only had it in my possession for five or six weeks all I ask for is knowing that it was stolen and also had to have the engine replaced if I could make a payment and add on the additional to the total cost of the vehicle but still just make the regular payments every month and they would not work with me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I sent a payment for home owners insurance for 2023. I accidently wrote check for {$1000.00} over the amount required to Wells Fargo Home Mortgage. They refuse to refund me the money and said it was placed in escrow. I told them I wanted a refund after speaking to numerous customer service reps on the telephone, and they all refused to do so. 

Mortgage with Wells Margo Home Mortgage in name of XXXX XXXX, Loan No. XXXX, address of property is XXXX XXXX XXXX, XXXX XXXX, Tennessee 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 monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
i never attended XXXXXXXX university in XXXX XXXXXXXX missouri for the classes that they are claiming i owe for. i attended the XXXX XXXX XXXXXXXX university that was closed down and is now a non existent school and since the dismantling of the extension school i am told nobody can help me get my transcripts and now the school has without my express consent to have my debt, and personal information handed over to a collection agency i never have done business with and i will not be willing to because i didnt agree to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file with Experian be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As I asked Citi credit card company why they closed my account they informed me that it was because one of my automatic payment got declined. I tried to explain to them that because of a fraudulent transection on my account my Citi checking account was placed on hold. As a result, automatic payment got declined. I further told them that that was the first time ever happened to my account and I have never missed any payment not even I was late to any payment. After all the explanation they did not change their decision, which eventually impacted my credit score to significantly go down. Even though, Citi bank let me open a new checking account, unfortunately cit credit card still did not change their decision. I believe, with all those excellent payment history it was completely unjust to close down my account just for one declined payment, which was not even voluntary. As the Citi credit company new that it was because my Citi checking was placed on hold for a fraudulent transection. for this reason I want my account back asap. thank you.

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