vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/24 a letter was sent to Equifax discussing a few COLLECTIONS ACCOUNTS that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. My husband and I purchased a home through Wells Fargo Bank in XXXX, California ( address of home was XXXX XXXX XXXX ). We unfortunately faced some financial difficulty during the recession and tried to refinance our home. We submitted our refinance application to Wells Fargo to try to save our home and come to a resolution to help us keep our home. We called Wells Fargo and tried to negotiate in good faith and find all options for us to be able to keep our home but all our attempts yielded nothing positive. Ultimately Wells Fargo turned down all our attempts and requests to save our home and repossessed the home we worked so hard to buy. On XX/XX/XXXX, we received a check for {$200.00} from Wells Fargo Home Mortgage as compensation for their wrongfully repossessing homes such as ours. I called Wells Fargo Home Mortgage upon receiving the check for {$200.00} and told them that was inadequate compensation for them taking our home. I received another letter from Wells Fargo on XX/XX/XXXX with a reminder to cash the check for Wells Fargo account number : XXXX. I do not want to cash this check as I feel cashing this check acknowledges my acceptance of their compensation. I do not feel {$200.00} is appropriate compensation. If we had been given fair consideration to save our home we could have our home at this time and would have significantly gained financially as a result of our home purchased, current market price on the home we lost is estimated at {$350000.00}. We are seeking more than {$200.00}. Our understanding is that the enforcement action against Wells Fargo for mortgage repossession victims would be more like {$24000.00}. This is what we are requesting. We appreciate your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My attorney subpoenaed Wells Fargo on XX/XX/XXXX, for bank records of Safety Deposit Boxes that were closed on XX/XX/XXXX as per a customer visit summary depicting that a non account owner accessed and closed boxes. After 4 and a half months Wells Fargo declares that the records can not be found on boxes as to how they were accessed or closed. One box completely missing all records 5 months after closure, one box missing records on how accessed and closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
on XX/XX/XXXX I received an alert that my credit score dropped XXXX points. When reviewing it was attached to a Citizens student loan for my son and it was reported 30/60 days late. I called immediately and asked them to resolve as I autopay and have never missed a payment. I was told by 3 separate CSR 's that they also show 100 % on time payment history but they don't see it as being reported late to any bureau. I sent supporting docs showing my credit report AND my payment history. After 2 full weeks their response was " Thank you for your recent credit inquiry. After careful review of your account as required by the Fair Credit Reporting Act ( FCRA ), it has been determined the loan referenced above requires no adjustment because all credit reporting is valid and accurate. '' This is incorrect and even after being provided proof that it was reported to all 3 bureaus they still refuse to adjust. As a loan officer my credit is extremely important to me since I get annual credit and criminal background checks. I am held accountable for my financial behavior since I act as a fiduciary. Unfortunately, some lending institutions do not want to do their due diligence to ensure that their work is correct and it has a major impact on the client. 

Not only have they been getting on time payments but instead of deferring I am paying them back while my son is in school. The amount of time I have had to dedicate to getting this corrected for myself AND my son is ridiculous. It is banks like this that make it impossible for borrowers to achieve their financial goals. If I had a need for a mortgage or a car at this very moment I would have a very negative buying experience in terms of what I would qualify for with rates. Prior to this my credit score was an XXXX. It is time to actually hold these institutions accountable for their lazy documentation and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
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 Number:XXXX  has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
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 : XXXXXXXX XXXX Account XXXX has violated my rights. Or a 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 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding LLC through their agents, employees, representatives, has commited aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account on XX/XX/2023 and reported this account to my consumer report. There is no Privity of contract. LVNV FUNDING LLC through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. I did not receive any notices from them as required by the Fair Debt Collection Practices Act. They also do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying LVNV Funding LLC can legally collect, and proof that LVNV Funding LLC is the current holder of the instrument which created the debt with my original blue ink signature. LVNV Funding LLC is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This fraudulent account on my credit report has made my score plummet and this is causing so much damage. I refuse to pay any debt to LVNV Funding LLC and I do not consent or authorize for LVNV Funding LLC to have access to my nonpublic personal information as they are third parties and I never did business with them. 
I have reported this to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/scrub>XXXX  I filed a dispute claim for unauthorized fraudulent charges of {$1300.00}. It was denied XX/XX/scrub>XXXX  with the absurd reasoning of transactions appeared to be authorized because successful online banking logins and attempts during disputes timeframe. This is absurd reasoning, I deposit and spend money on my account so I assume that the money is there and when I login I have a balance, not aware that it is an incorrect balance. It is not to my knowledge that transactions were being made in my account as they were mixed into my own and I didnt look at any transactions and dont regularly log into my account as I assume that my money is safe. It is only when my card declined on an online deposit that I became aware and investigated my transactions history seeing and immediately reporting the fraudulent unauthorized transactions to TD BANK. It can be my fault for not being privy to my own book keeping of what I spent, but it is not my fault for the fraudulent transactions that have appeared on my account, and it is also TD BANKS fault for not catching the fraudulent transactions before they took place and I am actually the individual who caught them! 

On XX/XX/scrub>XXXX  I filed a dispute claim for unauthorized fraudulent charges in the amount of {$460.00}. These were part of the other claim but could not be filed together as these charges were still pending in the account and needed to post to the account first. On XXXX  this dispute was denied with the absurd reasoning that You advised your chip card was in your possession, during an in person transaction. Which is absurd because if they actually did do an investigation, contact merchants, or pull camera footage they would be able to see that it was not me who made the transaction or if it was altered/ fictitious card. It may have not even been a card used and may have been a nfc transaction, or the card may have been skimmed/ cloned. There are so many variables which make this reasoning of determination absurd. 

I have been banking with TD Bank for probably more than a decade and have never filed a dispute for any prior transaction that have been made in my account. The one time that fraudulent charges do occur and I attempt to report it and be reimbursed and td bank is trying to hold me accountable for unauthorized fraudulent charges on my account that was not even caught by them, but instead by me is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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:
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NY

Complaint narrative:
In the course of reviewing my credit report, I spotted inaccurate and fraudulent accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: GA

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 Account XXXX has violated my rights. Or a 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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Subject : Urgent Complaint Regarding Account Restriction by Regions Bank Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Regions Bank regarding the unjust and unexplained restriction placed on my account. As a member of the military currently stationed outside of Regions ' network, I find myself in a deeply concerning situation with no access to my funds and no clarity on when this issue will be resolved. 

My account was inexplicably restricted by Regions Bank, without any prior notice or explanation provided to me. Despite my numerous attempts to seek clarification and resolution, both through phone calls, attempts to speak with managers, and even through chat support, I have been met with a complete lack of assistance. The representatives I spoke with were unable to provide me with any information regarding the timeframe of the restriction or the reasons behind it. 

As a member of the military, I rely on prompt and efficient access to my funds for various essential needs, including financial obligations and emergencies. Regions Bank 's actions have not only caused significant inconvenience but also pose a direct threat to my financial stability and well-being. 

It is evident that Regions Bank 's actions are in violation of several banking laws, particularly regarding transparency, timely access to funds, and customer service standards. Despite my persistent efforts to resolve this matter, I have been met with nothing but frustration and inadequate responses from Regions Bank. 

I urge the Consumer Financial Protection Bureau to intervene in this matter promptly and ensure that Regions Bank provides me with immediate access to my funds, along with a clear explanation of the reasons behind the account restriction. Furthermore, I request that appropriate actions be taken to hold Regions Bank accountable for their disregard of banking regulations and their failure to provide adequate customer support. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this urgent issue. 

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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
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.

has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
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.

has violated my rights. Or a 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 2024-02-16 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: VA

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.

has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief