vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : XXXXXXXX XXXX XXXX ) To whom it XXXX concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties. 

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done. 

Thank you for your immediate attention to this matter. I anticipate a timely response. 

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 explanation
Consumer complaint received 2023-08-22 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: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2023 SHEFFIELD FINANCIAL, opened a unauthorized and unrecognized inquire on my XXXX account. I have no knowledge of this account.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I used my Capital One Spark business credit card to make a payment on XXXX, as I was buying a website through the services. I've used a credit card on the website before with no problem. It does involve a paying a processing fee, which was fine. 

I made the payment on XX/XX/17 in the amount of {$4800.00}. On that same day, I was charged a {$140.00} cash advance fee, even though this wasn't a cash advance transaction. 

I double checked on the XXXX website to ensure that a credit card transaction wouldn't be processed as a cash advance. ( I've included a screenshot from their website stating that. ) I called Capital One explaining that this was not a cash advance transaction and I shouldn't be charged a cash advance fee. They said there was nothing they could do about it because that's how the merchant tagged the transaction. So then I called XXXX and they said there's nothing they could do about it because it was Capital One that charged me the fee. 

Clearly, Escrow.com and Capital One need to fix the process between themselves, but in the meantime, I'm stuck with a {$140.00} fee that no one can seem to help me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: MI

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

Account name : XXXX : ACCOUNT # XXXX, has violated my rights. 

I Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car.

15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.

15 USC 1681 section 602A states I have a right to privacy.

15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) 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 records of convictions, of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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 2023-08-22 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: MI

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

Account name : XXXX : ACCOUNT # XXXX, has violated my rights. 

I Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car. 

15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.

15 USC 1681 section 602A states I have a right to privacy.

15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) 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 records of convictions, of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XX/XX/2023, I contacted Wells Fargo to request they send me a check for my credit balance of {$2300.00}. They said that was not a problem, and I would receive the check in about XXXX weeks. 

As of today, XX/XX/XXXX, I have called them MULTIPLE TIMES with no luck. THEY STILL HAVE MY {$2300.00}. 

The keep saying they sent a check on XX/XX/XXXX, but I do not believe them. I receive my statements from them, and yesterday I received a letter from them telling me they sent me a check, which they did NOT. 

I keep calling and now it's almost XXXX months and they still have my money. Today, they told me I have to complete a form to verify that I did not already receive the check! They will not put a stop payment on their check and issue a new one until I verify with them that I didn't receive the check AND FIND A NOTARY, PAY FOR A NOTARY AND RETURN THE FORM TO THEM. 

We all know it's ridiculously easy to find out if a check has been cashed. It's just another delay tactic for them, and they could care less that I don't have my money. 

For me, {$2300.00} IS A LOT OF MONEY. I NEED THAT MONEY AND I DON'T BELIEVE I WILL EVER RECEIVE IT. 

TODAY, THEY EMAILED ME AN AFFADAVIT THEY WANT ME TO COMPLETE WITH ALL THE INFO FROM THE CHECK THAT I NEVER RECEIVED. HOW AM I SUPPOSED TO DO THAT? THEN, THEY WANT ME TO PAY FOR AND GO TO A NOTARY AND HAVE IT NOTARIZED. I TOLD THEM TO GO TO XXXX. 

PLEASE HELP ME GET MY MONEY. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: NM

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc
State: NV

Complaint narrative:
A debt collector PlusFour, Inc. sent me a collection letter for a medical debt dating approximately back in XX/XX/2019. I responded by writing a letter to them and copy furnished our insurance company at the time for abatement of charges due to the fact that, at the time of my doctor 's visit, I was not aware that the medical facility was no longer in network. When I called the insurance company, I was informed that the charges are my co-pay and that these charges should be paid. I argued that if I had known that the doctors and facility are no longer in network, I would not have gone to the doctor and would not have incurred these charges. 

Without notifying me, the debt collector sent the amount owed of {$370.00} plus collection charges of {$200.00} for a total of {$570.00} to the credit bureaus. Prior to this, I requested my debt management company, XXXX. XXXX to call them on my behalf so that I can add this amount to my debt management and pay if off even tho I am disputing it. XXXX informed me that they will not talk to them and that I should call. I did call and the lady that answered me was rude and uncooperative. 

My husband also received a collection letter in the amount of {$270.00} plus collection charges of {$140.00} for a total of {$420.00}. 

I am trying to payoff all our debts in the hope that our credit score and debt to income ratio will improve over time so that I am able to refinance our house in the future. I would like to ask for your agency 's help on how to resolve this problem. I can't afford additional debts and I can't afford to have a derogatory remark on my credit report. 

I am willing to pay these debts with an amount that's manageable right now and for the collection agency to remove the derogatory remark on my credit report. But, like I said, I am also trying to dispute this debt because we would not have gone to see the doctor if we were notified that they are no longer in network. 

I have documents that I can provide should you need them. 

Thank you very much for your anticipated help with this matter. 

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 explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
In 2020, I opened account with Chime so I could receive direct deposits for my Georgia unemployment during the pandemic. Chime closed my account days after I started to receive my back payments from the Georgia Department of Labor. My account has been closed since. I never received my funds in my account which was {$12000.00}. Ive emailed and called chime several times daily and nothing has been done. They refuse to reactivate my account or give me my funds. They are illegally holding my funds and will not return them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
We have been in an active short sale since XX/XX/XXXX. When Selene Finance LP became my new Servicer of my mortgage we requested who my single point of contact was. We call over 50 times between myself and my Realtor without any success. Finally, on XX/XX/XXXX of XXXX, we were assigned a Single point of contact. 

We have an all-cash offer on the property. Now that we are finally working with the underwriter to move this to a closing Selene Finance sets a date for a foreclosure. In the state of TN, the servicer MUST notify the homeowner that the sale date has been set via regular mail and certified with a signed receipt. I never received anything. Even when I called Selene Finance and told them they broke TN law by not sending me the letter of the sale date. Please show me proof that XXXX or XXXX sent this letter to my house. Even show me the sticker they would place on my door saying they will try again. No proof this sale date letter from XXXX XXXX XXXX was ever sent out. This law firm is notorious in the state of TN for these illegal tactics. 

Now I am requesting a QWR RESPA TILA because of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was slammed through XXXX last year. XXXX was my wells fargo account. I lost close to XXXX  XXXX. The minute I realized it was a scam, I called Wells Fargo and asked them to do something about it. They claim they did some investigation and requested money back from the scammer but I did not get my money back. That was all of my savings and my XXXX account even got hacked by this scammer. I lost a lot bur wells fargo didn't sympathize with me or refund my money back to 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 2023-08-22 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: MS

Complaint narrative:
I have attempted to resolve by phone and by mail XX/XX/2023, XX/XX/2023 to no avail. 

Per the Family Educational Rights and Privacy Act ( FERPA ) as a federally protected consumer, I am now revoking all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 20 U.S.C. 1232g ; 34 CFR Part 99.

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 2023-08-22 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: MS

Complaint narrative:
I have attempted to resolve by phone and by mail XX/XX/2023, XX/XX/2023 to no avail. 

Per the Family Educational Rights and Privacy Act ( FERPA ) as a federally protected consumer, I am now revoking all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 20 U.S.C. 1232g ; 34 CFR Part 99.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: MS

Complaint narrative:
I have attempted to resolve by phone and by mail XX/XX/2023, XX/XX/2023 to no avail. 

Per the Family Educational Rights and Privacy Act ( FERPA ) as a federally protected consumer, I am now revoking all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 20 U.S.C. 1232g ; 34 CFR Part 99.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/2023 I have Mailed XXXX, Experian and XXXX XXXX a request requesting deletion and update as to my Current Mailing Address XXXX, Experian and XXXX XXXX is reporting incorrect Addresses on my consumer disclosure report ( s ) as a result of fraudulent creditcards or other services using my personal information.

I have complied with the requirements from the bureau 's to confirm my identity and provided them with a legible copy of my State Issued Identification Card, Social Security Card and Proof of Current Mailing Address along with the details of my dispute under the FCRA. 

The Bureaus continues to report erroneous unverified or fraudulent addresses and accounts.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I received two prepaid gift cards, one Visa ( with a {$200.00} balance ), one Mastercard ( with a {$100.00} balance ). Both were purchased from XXXX grocery store by a family member. I followed the instructions and registered my information on the cards at the listed website on XXXX. The back of both cards state that they are " issued by U.S. Bank National Association pursuant to a license from Visa, Inc. '' I tried to use the cards in early XXXX and they were declined. I then tried multiple times to use them on XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, and XXXX. Every time I tried to use them the cards were declined. I called the XXXX phone number on the back of the card, there is not an easy way to speak to a representative but I figured out that you have to hit zero multiple times to reach someone. The representatives told me that they would clear any blocks so I could use the card after an hour. I tried again that evening at XXXX and the cards were declined. I tried again on XX/XX/XXXX at XXXX, XXXX, and XXXX and the cards were once again declined. I called back and the agent said that you could not use the card on any website where the site " saves '' the card and then hung up on me. This eliminates most major retailers in the US as most websites require you to create a profile and save the card.

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 2023-08-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted 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