vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: PA

Complaint narrative:
We received notice from XXXX XXXX XXXX in XX/XX/XXXX that all three credit agencies ( XXXX, XXXX and XXXX ) were reporting that our mortgage with Midland Mortgage was delinquent by over 120 days. After reviewing our payment/transaction history on Midland 's website, my husband and I were able to confirm that our payments had been successful and on time. At that time, we called Midland 's Customer Service number, and over the course of multiple calls with both Customer Service reps and Supervisors, we were told our ticket was expedited with their IT team, and it was later discovered that their reporting system was malfunctioning and reporting delinquent payments in error ( when they were able to confirm successful payments ). The reporting error began in XX/XX/XXXX and continued through XX/XX/XXXX. As of today 's date, delinquent payments are still being reported by all three credit union agencies and have not been removed, despite disputes with all three credit unions. Additionally, after being told that the reporting system issue had been found and resolved, we received notice today ( XX/XX/XXXX ) that Midland is again reporting delinquent payment, even though our payments have been successful all this time. Some background : We were forced to move to an FHA mortgage after being involved in a pre-foreclosure situation around the time of COVID, and have been struggling but able to make our payments on time since the transfer to Midland. Midland 's continued, repeated negligence has made our credit score suffer due to their payment system 's inferiority. We just want what's right- the removal of any and all delinquent notices with all three credit unions, and Midland to take responsibility for their reporting system mistake and see it through so that this does not continue to happen. I would not wish this treatment on anyone, and hope by publishing my experience that no one has to suffer the tears and heartache my husband and I have been going through for months with no resolution.

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 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
Submitted a dispute about an inaccuracies on my report. Chexsystems did not accurately verify 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 2023-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
Debt occurred from identity theft and the collection company didn't even verify this account. XX/XX/2023. {$1000.00}, lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: TX

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent.

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 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I no longer use this card but in XXXX they started charging {$67.00} a month for cash advance fees. They said {$170.00} was taken. Wells Fargo has made their system so that you can not view account data past 90 days now. They also tell me that they can not see specifics. I have paid well over {$170.00} in payments and have paid over my minimum payment. They have made this interest charge ( which they can not verify ) why {$67.00} is an appropriate interest charge monthly on {$170.00}. They keep telling me to try to talk to other departments to get more information. I feel this is unreasonable and that I am being made to accept charges that I cant vet on my own.

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 2023-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: OR

Complaint narrative:
On XX/XX/XXXX Netspend allowed a fraudulent charge of {$650.00} to clear my account. I tried to be proactive and stop the charge while it was still In PENDING status but they told me I had to wait for the charge to hit my account ( this was all of my bill money ). I did as instructed and called them back to file a dispute to have the funds put back on my account. They then informed me that they have to do an investigation and my funds could potentially be put back in XX/XX/XXXX ( 3 weeks wait ) depending on their investigation. I submitted a claim to XXXX and they lied and told them they reached out to me twice XX/XX/XXXX & XX/XX/XXXX but I have no missed calls or voicemails from them and the agent XXXX who is handling my claim responded today XX/XX/XXXX to the XXXX but his voicemail says he is out of office until XX/XX/XXXX? My car payment is now 9 days past due and my car insurance is in jeopardy of lapse. I need the money back on my card NOW.

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 2023-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: MA

Complaint narrative:
On XX/XX/ I applied to open a Money Market account with Vio Bank responding to Vio Bank 's public advertisement. 

Vio Bank has declined my application and provided me with a Notice of Adverse Action ( enclosed ). 

The Notice of Adverse Action from Vio Bank has not listed any specific reasons why my application was declined nor it included my name on the notice. The Notice of Adverse Action had referenced a consumer reporting agency claiming that the information on a report from that agency had influenced Vio Bank 's decision. 

My consumer report from the consumer reporting agency that Vio Bank had listed on the report does not contain any negative information that could have been a reason for Vio Bank to decline my application. 

I believe that Vio Bank in their decision has not relied on the information obtained from the consumer reporting agency, but made its decision on their internal policies based on prejudices against non-typical customers.

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 2023-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc.
State: PA

Complaint narrative:
XXXX I received a call from XXXX on my cell phone, number XXXX which I ignored, they then called my work number immediately at XXXX. I picked up, they hung up on me immediately. I called them back to find out who they were, the lady was rude, I asked why they called my work line and hung up, she said they didn't they didn't talk to anyone, I said that is because when I answered and said it was a recorded line they disconnected. Calling and hanging up on someone isn't okay. Also, I have no idea who they are except a debt collector as I have received no correspondence of any kind from alliance one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Accounts were fraudulently opened in my name and illegally reported to XXXX upon request to remove information with legal proof such XXXX police report ftc report ect and is still reporting fraudulent information after I sent in correct information for 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 2023-06-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WI

Complaint narrative:
I signed a contract with XXXX XXXX to have solar panels installed at our residence. On XX/XX/XXXX, I paid XXXX XXXX a {$5000.00} down payment with our Discover Card for the project. Work was supposed to start in XXXX of XXXX. In XXXX of XXXX we learned through news sources, primarily The XXXX XXXX XXXX, that XXXX had closed and ceased work on all projects. I repeatedly reached out to XXXX through email, phone calls, and a certified letter, but heard nothing. When it became clear that we were not going to have our project completed, or our down payment reimbursed by XXXX, I filed a complaint with the Wisconsin Department of Agriculture Trade and Consumer protection, and filed a police report. I then reported the fraudulent charge in XXXX to our credit card company Discover and filed a dispute. On XX/XX/XXXX Discover denied my claim, saying in part that they could not " validate the details of your claim '', despite the fact that I provided the contracts, receipts, all communications, and the actual charge on the credit card. After receiving this I contacted Discover by phone XXXX times to get an explanation. I was given various reasons including that XXXX wouldn't communicate with Discover, and that the charge happened a long time ago. I found an online community of people who also lost money and/or have had incomplete projects through XXXX. I was ( and still am ) very frustrated to learn that pretty much all of the people who put money down through their credit cards were able to get the money back, including other Discover customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
Someone has hacked into my phone and was able to gain access to my account, on XX/XX/XXXX at XXXX XXXX  I received a email from my bank saying my email address has been updated and I didn't request the change, and was locked out of my account. I immediately contacted the bank to report it and had to submit a identity verification by emailing a photo of myself holding my ID and was told it could take 1 to 12 hours to be reviewed. I called the bank again later the same day at XXXX in the afternoon, after verifying me they updated my account and I was able to finally gain access to my account that's when I noticed a transaction that occurred XXXX in the morning, my money was transferred to my checking account and then they did a XXXX XXXX transaction for {$300.00} to account under the name XXXX XXXX. I immediately contacted the bank again and reported the transaction because clearly it couldn't have been me because I called them XXXX hours prior to it happing because my information had been changed. No one could explain to me how my account was not immediately frozen when I reported the suspicious activity prior to the transaction. Chime has denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX  and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name - XXXX XXXX  XXXX XXXX XXXX -ACCT # XXXX ; Acct name : Dept of Education/XXXX Acct # XXXX ; Acct name XXXX XXXX XXXX ACCT # XXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX XXXX Acct name XXXX XXXX XXXX : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX Ref # XXXX ; XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX 15USC 1681 section 602 A. states I have the right to privacy.

15USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years, 15 USC 1681a-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name - XXXX XXXX XXXX XXXX XXXX -ACCT # XXXX ; Acct name : Dept of Education/XXXX Acct # XXXX ; Acct name XXXX XXXX XXXX ACCT # XXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX XXXX Acct name XXXX XXXX XXXX : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Ref # XXXX ; XXXX XXXX XXXX, XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX 15USC 1681 section 602 A. states I have the right to privacy.

15USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1681c. ( a ) ( 5 ) Section
states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years, 15 USC 1681a-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had my American Express Hilton credit card set to Autopay, so was surprised when I received a {$29.00} late fee plus interest charge. When I called to find out why Autopay didnt work, XXXX XXXX that when I changed my payment method to another bank account that Autopay gets automatically turned off. He said it was in the fine print, but I know I read the fine print and did not see that specified. He refused to remove the late fee. There should be a pop up box or other obvious notice when Autopay function gets shut off!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Revco Management, LLC
State: NY

Complaint narrative:
revco solutions sent me a " pay 80 % of the balance '' amount regarding XXXX using reference XXXX XXXX without providing any proof of debt just a letter with the amount due. 
- requesting a letter of debt validation including any and all statements relating to any services rendered as deemed in the documentation that was provided. 
- called many times and no one picked up the phone - requesting proof of all documents perceving to the implications of the actions received by the end recipient or mailee to which this letter was mailed to

Company response to consumer: Closed with non-monetary relief