vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act Spring Oaks LLC, 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 I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX or YOU. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. The letter you sent was to a address I never lived at before. I do not have a sister and never have. This is proof that someone is impersonating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc.
State: IL

Complaint narrative:
Violation # 1 XXXX pm received call from an XXXX from Alliance one... she asked my name and did not do a 2nd verification..gave me no mini XXXX and began telling me my amt of 2145.56..advised rep of the violation and asked to speak with supervisor ... an XXXX was put on phne stated she supervisor. Than demanded me to verify who I am.. advised first rep didn't do that ... .then she stated to me that calling out they don't need a second verification of identity. 
Asked me doni want calls to stop ... ( tactic to let amt grow with no resolution to the problem ) I advised NO... I wan na file a complaint and dispute these charges... said it 3 times before hung up... they stated ok... ( call time XXXX and XXXX ) Violation # 2 Received another call XXXX from an XXXX ( rep ) did verify but stated that there no notes in system from XXXX me disputing or making complaint.. ( 3rd violation of rights ) Asked speak with manager XXXX... stated she see no notes either ... I advised her its illegal to call after someone dispute or complaint... she said she need listen to calls... 
BROKE FDCPA VERY UNACCEPTABLE... 
I'm losing hours of work to deal with this clearly HARASSMENT!! A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 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 XX/XX/XXXX Inquires I didn't give permission to run my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've tried to refinance my car through companies XXXX XXXX suggested me. 
It was pre-qualify applications, that's why i've applied. 
As i know pre-qualify means soft inquiries, not hard ( i read this information from internet ). 

After that, i got a lot of hard inquiries to my account, that's why my credit score dropped from XXXX to XXXX ( XXXX points ). 
I got a lot mails in my mailbox from credit unions i don't recognize. 

I've applied number of times for credit cards, but got denied ( all of this are my applications ), but i didn't give the consent to credit unions to make a hard inquiries to my account. 

That's why i think all this inquiries should be removed from my credit reports,

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 2022-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My account was charged off but paid in full in 2021. However, Wells Fargo did not report it to the credit bureaus correctly and we are unable to obtain a new personal loan. I have called every day for a week to get another letter ( received one in 2021 ) stating it was paid in full. However, they are saying they are too busy to provide it.

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 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
I tried approximately 20 different times to get in contact with " SELF '' Numerous Failed Log in Attempts on their website, via Numerous Phone calls ( up to 1 hour on hold multiple times ) Several Emails, Several Attempts to " CHAT '' with their representative on line and I was unable to contact them. I was trying to update my credit card on file to make a payment ON TIME because my other card ( that was set up on my " SELF AUTO PAY '' ) had been lost or stolen. I had tried to update this cared WELL BEFORE THE PAYMENT WAS DUE, OR WOULD BECOME LATE. 

The fact is they reported a 30 day late payment on my credit history ( meanwhile they are supposed to be a " Credit Building Institution '' ) That is what they advertise themselves as. Now my credit has dropped by about XXXX Points on average on all three bureaus as the result of this FRAUDULENTLY REPORTED LATE PAYMENT! 

I was finally able to get through to a " Self Representative '' about a month ago, ( after the late fee had evidently been posted on my credit report ) and explained the situation in detail to one of their representatives on the phone. He explained to me there was nothing he could do about it. I have since then tried to get in touch with a " Supervisor '' at " SELF '' via numerous phone calls and have been promised " a return phone call within 1 -2 business days '', 3 different times now, but they never call back. 

THIS 30 DAY LATE IS NOT A FAIR OR TRUE REPRESENTATION OF MY CREDIT, OR MY PAYMENT HISTORY, AS THE SELF WEBSITE WAS DIS-FUNCTIONAL AND SO WAS THERE " CUSTOMER SERVICE ''. I MADE EVERY ATTEMPT WITHIN MY ABILITY TO MAKE THE PAYENT ON TIME, BUT IT WAS NOT POSSIBLE DUE TO THEIR NEGLIGENCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal has a high case of fraud some one is going into there customers bank accounts and aching money to them selves and navy federal is not giving the money back to the banking customer when it's proven with police reports that acess was not given to anyone the criminals names bank name along with account number and routing numbers are attached. And they still did nothing they did not reach out to the other banks to get my money back {$20000.00} was taken from my account that's not it navy federal bank stated taking money from my credit card with navy federal and taking money from the other accounts that I had with navy federal then shutting down my card and not allowing me acess to any accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My lender, Shellpoint mOrtgage services incorrectly added lender placed insurance to my account in late 2021. I notified them that this is incorrect and provided the documents to have this removed. The insurance was removed by they did not refund me until after reaching out to them over 10 times but I was only partially refunded. I am still owed over {$5000.00} and they just transfer me from person to person requesting additional information from me with no way to get the problem fixed. I need help!! 

total paid in lender placed - XXXX amount refunded- XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX Experian received and accepted through certified mail a dispute for the following accounts : ( XXXXXXXX XXXX XXXX  ACCOUNT # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ). Experian did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, Experian failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.

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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX I had a checking account with TD Bank in XXXX XXXX XXXX Florida their number is XXXX a check was mailed to me out of California for {$14000.00} in change TD Bank held that check because they thought I was fraud which is not for 3 weeks they ended up closing my account the check is still good TD bank has not sent it back to XXXX XXXX in California I have called them and I've been to TD Bank and they're not doing anything about it they closed my account about 5 or 6 weeks ago they have not returned the money to XXXX XXXX XXXX yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX  or YOU. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. The letter you sent was to a address I never lived at before. I do not have a sister and never have. This is proof that someone is impersonating me.

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 2022-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NFM, INC
State: NC

Complaint narrative:
When applying for the loan we disclosed we had childcare expenses. 

We were preapproved, and not long after we put an offer on a home and it was accepted. 

Our lender sent us disclosures the childcare expenses werent on there, when I asked him about it he said it didnt matter that they were wrong, we just needed to sign the forms to move forward, so we did. 

Well now on XXXX theyre saying we do not qualify for the loan and we would need to pay down points and debt to qualify. 

My issue is they knew about the childcare well before we put an offer on a home, and they didnt figure it in to our loan amount. 

They are unwilling to work with us, at this point weve put {$2500.00} down for due diligence, weve paid inspections and had the appraisal done. 

I dont know if they were trying to be shady about the childcare or what, but we did everything right and everything we were supposed to and I do not feel they acted in good faith. 

I feel like they purposely excluded the childcare to get a sale, and once it came down to it, they got caught when they realized they actually legally need to Include it, but instead of blaming themselves or fixing the situation theyre trying to make us fork over almost $ XXXX just to qualify. 

This is not okay, we dont know what to do. I spoke to my lawyer and she told me to contact CFPB. 

I hope someone can help us. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: TX

Complaint narrative:
I had applied for Rental Assistance and was approved to get the 3 months paid off but the assistant manager of the apartments said they were not participating in the XXXX rental assistance program anymore. I sent emails to the manager to show proof of approval to pay off the amount. We went to court and the attorney representing the apartments dismissed the case along with the judge dismissing the case I have the letter from the judgment of dismissal of the case. They recently put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
1. XXXX transactions were made on my capital one card in late XXXX. 
2. Capital One notified me of potential fraud. I responded that I did not make these purchases and Capital One began a fraud investigation. 
3. Contacted by Capital One and was notified that their investigation did not show fraud and I may have benefited by the transactions and would be responsible for the charges. 
4. Made multiple calls to Capital One to follow-up. Several instances, when waiting on hold, I was disconnected. 
5. When making contact with Capital One, I asked them if it was possible to contact the store ( Wal-Mart or XXXX 's XXXX and have the store share their video of the exact time the incident took place. Was told they would pass on the request to the appropriate team. 
6. Reopened another fraud investigation on the same charges 7. Received a letter on XX/XX/XXXX that indicated that the case was closed and it appears as though I was not responsible for the charges. 
8. Capital One continued to charge late fees 9. Capital One closed the card as a " charge off '' but indicated that I was still responsible for the current balance. 
10. Credit Score dropped by XXXX points. 
11. My bank XXXX XXXX card was closed by XXXX for possible charge offs on other accounts. I never had a balance with XXXX  and never used their card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a cousin who thinks they are entitled to my XXXX accounts. XXXX XXXX XXXX has stole over XXXX XXXX XXXX from my accounts. Stolen my relocation money from XXXX and is now trying to take over all my federal accounts. I need assistance in this asap. My number is XXXX. XXXX Accounts with Wells Fargo under 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 explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
People 's United Bank transitioned to M & T Bank XX/XX/22. M & T sent me information about continuing to use XXXX and how I was to go about this. I went through all the steps many, many times without being able to connect the bank to XXXX. I have spent literally hours on the phone with M & T trying to resolve this. Last week I spoke again with M & T and " XXXX '' said she would work it out and call me in a few days. It has now been almost 2 weeks and I have heard nothing from M & T. At this moment, I have been waiting on the phone for 1 hour and 25 minutes to speak to someone in online banking. This is really completely unreasonable. 
I had no choice about my bank being changed or my services curtailed and I feel completely helpless in trying to resolve their problem when I can not even speak to someone after 1.5 hours of waiting.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I opened up a XXXX  account in XXXX. I have not done business with them since XXXX. They are reporting that the account is still open and that the date the account was opened XX/XX/XXXX. I have tried for years to get this resolved and I am still having problems with this affecting my XXXX XXXX XXXX XXXX ask that thisdebt please be removed due to 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 explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

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 U.S.C 1681. 

Account : XXXX XXXX XXXX  Account number : XXXX Date opened : XXXX, XXXX Account balance : {$6300.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX Account : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Account Balance : {$3000.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 items of information, other than the 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 an accurate.

Company response to consumer: Closed with explanation