vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: NJ

Complaint narrative:
Upon further review, it has come to my attention that I have been victimized by identity theft/fraud. 

XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co on XXXX XXXX 

They ran an unauthorized report on me. I did not authorize such an inquiry and demand that you contact these companies immediately and have the unauthorized inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may be subject to a fine. Pursuant to 5 U.S.C 552 ( b ) ( 6 ). Any personal, medical, or similar file is exempt from public DISCLOSURE if its disclosure would harm the individual concerned or would be a clearly unwarranted invasion of the persons ' personal privacy. Failure to comply will result in a report being filed with the FTC CFPB & XXXX  and once again id like to take this time to thank you in advance for your understanding compassion and most importantly speedy cooperation in this delicate situation. 



If you have any questions, please contact me at the address listed below. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, 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 2023-07-17 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: NJ

Complaint narrative:
Upon further review, it has come to my attention that I have been victimized by identity theft/fraud. 

XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXXXXXX, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 

They ran an unauthorized report on me. I did not authorize such an inquiry and demand that you contact these companies immediately and have the unauthorized inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may be subject to a fine. Pursuant to 5 U.S.C 552 ( b ) ( 6 ). Any personal, medical, or similar file is exempt from public DISCLOSURE if its disclosure would harm the individual concerned or would be a clearly unwarranted invasion of the persons ' personal privacy. Failure to comply will result in a report being filed with the FTC CFPB & XXXX and once again id like to take this time to thank you in advance for your understanding compassion and most importantly speedy cooperation in this delicate situation. 



If you have any questions, please contact me at the address listed below. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Last year ( 2022 ) between XXXX and XXXX Wells Fargo bank charged me XXXX $ of overdraft fees. Some of those fees have been posted 3 times on the same day for XXXX different transactions, XXXX $ each. The same charges have happened many times over the period of 6 months. the total overdraft fee I paid in XXXX was XXXX. 
I called them trying to waive some of the overdraft fees ( since all transactions happened on the same day ) but they refuse to refund me some of the fees. 

The question : is it legal for the bank to charge an overdraft fee 3 times in XXXX day? In my opinion, they should not process the second and third payments if the account is already has charged for overdraft. 

Note : Bank statements ( XXXX and XXXX ) are attached. 

Respectfully.

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 2023-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I received a Loan Modification Agreement during the month of XX/XX/2023 that was damaged and not legible due to the documents being delivered during a rain storm and placed in an uncovered area of my home instead of inside the storm door that is never locked or another weather protected area. I contacted Lost Mitigation several times to request another Modification Agreement and was told that another would be sent in about 12 days and the due date to return the signed documents would be adjusted, when I did not receive the documents I contacted Lost Mitigation again and again to send these documents and was told that instead of contacting them every week I was told to wait about 30 days while there was being a review ( I was told that all these calls were being recorded and I have also maintained a record of these calls if dates/times are needed ) I waited the 30 days as told and contacted Lost Mitigation again and was told that there was a review still being conducted. I did not hear anything from Lost Mitigation until XXXX when I was told by the associate that there is a new Modification Agreement being sent to me with new monthly payment amounts higher than the damaged Modification Agreement that I originally requested for my review and signature, the associate then told me that I MUST accept the terms over the phone in order for the document to be sent to me. I received the documents XX/XX/2023 which are dated XX/XX/2023 and given 30 days from the date on the documents to be returned. I have been compliant with every thing that was requested of me from filling out documents requesting assistance, explaining my situation, constantly sending the same documents over and over again because allegedly one or two of many documents were not received, I ask that someone please investigate this situation and please contact me via phone, email, postal mail. In closing I would like to say that I am a U S Army Combat Veteran XXXX XXXX XXXX / XXXX XXXX and understand following orders and instructions which is what I have done since submitting my Hardship Application, rather than assist and/or help me in this situation Lost Mitigation is making my situation more of a hardship, I could at least see on the damaged document that the monthly payment although higher than my original monthly payment would be less stressful to make financially and I ask that the Modification Agreement sent to me prior to XXXX be instated. I have more information regarding how this company has been handling my situation after applying for a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Key Star Capital, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX offered to a small business XXXX XXXX, a C-corporation incorporated in the state of New Jersey , business line of credit for {$92000.00} on XX/XX/XXXX, a product called XXXX XXXX XXXX XXXX XXXX XXXX at the variable interest rate of XXXX XXXX XXXX XXXX XXXX 2 %. Business started using this line of credit as the main source of liquidity, and ended up using the whole limit. With no default of any kind from the business, XXXX  XXXX XXXX unilaterally and shockingly ceased this line of credit on XX/XX/XXXX ( the Expiration Date ) and converted it in the term loan at much higher rate of 7.5 %. This is an illegal business practice of bait and switch. This conversion killed the liquidity of the business which was started in XXXX and was employing multiple employees in the critical growth stage, and resulted adversely ultimately the closure and dissolution of business in XXXX Business tried to make the payments till XX/XX/XXXX but had no funds left leaving the remainder of {$32000.00}. This loan which was a genuine business bad debt, XXXX XXXX XXXX sold on XX/XX/XXXX to an overly aggressive debt collection company KEY STAR CAPITAL FUND II, LP, which sued on XX/XX/XXXX the business and the business owner adding unreasonable legal fees and interest. Because business was closed, the collection company through their law firm XXXX XXXX XXXX XXXX XXXX XXXX went after the real-property of the poor business owner and obtained judgment abusing the legal system and now making the business owner and his children homeless by having a Sherrif sale of his real property on XX/XX/XXXX. It is a highly time sensitive stressful situation which if not immediately intervened and resolved will have irreparable and irreversible damage on the innocent victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ) Late payments reported on the XXXX XXXX XXXX XXXX account violate this law. This letter is requesting the removal of all late payments on the following account immediately.

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 2023-07-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ) Late payments reported on the XXXX XXXX XXXX XXXX account violate this law. This letter is requesting the removal of all late payments on the following account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have tried to update the name on my checking account in the past, but Truist is uninterested in updating the name on the account without me driving hours to their bank. Now that I can no longer lock the account through their app and my financial safty is at risk, I want the account closed now more than ever. So today, XX/XX/2023, I tried to close the account in question. However, Truist will not close my account, despite me offer to furnish the court order denoting both names in question and the connection between them, and refuse to work with me to establish this connection.

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 2023-07-17 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: CBC Companies, Inc.
State: NY

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-07-17 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt was not made by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-17 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
18 years ago, in 2005 i opened a " High Yield '' IRA with Wells Fargo Bank. Since then i lost track of the account, but have recently found the account information. I was shocked to discover that after 18 years, the account had earned approximately 4 % TOTAL - not 4 % annual yield, but 4 % total or approximately {$80.00} on a {$2000.00} deposit. Is this " High Yield '' in your opinion? While I'm familiar with the concept of predatory lending, i'm not sure what the term for this type of deceptive advertising would be called - referring to an account as " high yield '' but it's far from. How many other consumers has WF duped by this scheme? 

I have attached my statement which states at the top " Retirement High Yield Savings ''

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 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have sent 2 certified letter and several previous written letters to this company. The have failed to send me the contract agreement I have signed with them. I am not aware of ever doing business with them and they and the credit bureaus are committing fraud. I have nothing in writing stating I did business with them. Do to the FCRA this company and all 3 credit bureaus are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JP Morgan Chase Bank Received email notification that Chase Freedom Unlimited card was applied for on XX/XX/23 Notified Chase bank who stated they will close the application and notify credit bureaus to remove the inquiry Notified XXXX, they stated they will process the dispute and identity theft claim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ) Late payments reported on the Santander Consumer USA INC account violate this law. This letter is requesting the removal of all late payments on the following account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: NJ

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. 

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 explanation