vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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: Avant Holding Company, Inc.
State: OR

Complaint narrative:
Credit card account with Avant was paid in full and closed XX/XX/2022. The company sent account to collections company XXXX XXXX XXXX. I have submitted documents showing proof of payment and still receiveing calls and letters attempting to collect on a paid and closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: FL

Complaint narrative:
I am writing to bring 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 fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
My automatic payment was returned as I didnt have enough funds in my checking account. I received no notice or warning of this after it happened. I only became aware of the situation nearly a month later when logging into the online portal for another reason. At this time, I contacted Carrington, who stated that I was not behind on payments and was not in default in any way. I inquired about making up the missed payment, and was advised that it had been corrected. 

A week later, I received notice of intent to foreclose from Carrington. I contacted them again at which point I was notified that while I was not delinquent, they did consider my payment later and that it would be reported to the credit bureaus. I asked again about the status of my account and was told I needed to make an additional payment to bring the account current. 

During this time, I was in the process of obtaining a debt consolidation HELOC, which has now been denied because Carrington reported me as have a late payment after telling me just a week before that I was not in arrears. As a result, I am now in a very bad situation where I no longer qualify for any type of loan because of their record on my credit report and am now being told I have to pay a double payment or theyll continue reporting me as late each month forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
date XXXX the amounts of credit extended XXXX to wells Fargo auto I have send a letter to resolve the issue they fail to respond to the letter or to open the account that is all ready been credited by my open end consumer credit plan 15 US code 1602 J this entire process has been unfavorable me they have discriminated against 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 2023-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
My father died in XXXX. Just before he died, he was given a final radiology scan to view his XXXX ( I think, I have NO evidence of this ). The " XXXX XXXX XXXX  '' sent a bill after my dad 's insurance 's window for payment. Insurance needed 30 days. Dad died XX/XX/XXXX. The first bill was sent to me XX/XX/XXXX, but was not sent to his insurance. The bill was sent to the wrong address, and didn't get to me for several weeks. I worked with my dad 's insurance to have the bills paid because I was his representative. They eventually agreed to pay the bill. In the meantime, I assume that XXXX XXXX XXXX  sold the " debt '' to Alpine Credit , Inc., a debt collector. I worked with XXXX to have the debt paid, and was told it was, in fact, paid. I have a letter from XXXX stating this. The debt collector letters stopped coming to me. 

However, they have sense resumed sending debt collection letters to my dad 's partner. They married as a symbolic gesture just before he died. They put her name on the letters, as if it was her debt. She has zero connection to this case, and I think this is illegal harassment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Alpine Credit , Inc.XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX from XXXX to XXXX XXXX, Monday to Friday

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: TX

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I went on the Navy Federal Credit Union Mobile app to start a re-finance loan. Midway through the process, I changed my mind and did not want to continue with the process. On the screen, I was provided the option to save the information and exit the process and I was provided a message that I can resume the application by going to navyfederal.org or by calling XXXX. It said after 5 days, a decision will be made. I called this number 2 days after and spoke to someone to make sure that this loan does not continue or is processed because I did not want the loan, nor did I want to have another inquiry on my credit. The message on the screen made it seem as if the loan was not finalized. I have attached a screenshot of the message that says " You're almost done. There are a few quick steps left to finalize your application ''. There was no warning or indication of any kind that my credit would be run, or the loan would go through. Especially after I called them 2 days later, it was my understanding that I had cancelled the entire process. I received an email today that Navy Federal is still considering my loan. This prompted me to call them again because I did not authorize them to process anything from the beginning. I did not go through the entire loan process on the app, and I had already called to cancel. I checked my credit and Navy Federal is there with a hard inquiry. I do not agree with this because it is my understanding, I did not authorize them to go through with this loan process and it looks like they are still trying to process a loan that I called and told them to not process at all. I called them again today, XX/XX/23 and was told the disclosures on the mobile app says the credit will be run. I did not see any disclosures nor did the screen say that. I did not agree to them running my credit at all and stopped the process on the app before I got to this point. I want the hard inquiry for Navy Federal removed from my credit. This is negatively affecting my score for something I did not want or authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/2022 AND on XX/XX/2022 an inquiry was made by the same merchant via a third party called Xactus lllc without my consent. I would like to have one or both of these inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
While living in NY in 2018, I opened an online Savings Account with Marcus by Goldman Sachs. However, I have recently moved to XXXX and a few months after I had to close my former US phone ( I opened a new virtual US number instead ) and transferred my US correspondence to a relative 's house address. Since then, Marcus blocked and then closed my account due to unspecified reasons ( likely related to the change in my contact information ) while I was trying to make a transfer to my own external checking account, which I understand. However, it's been almost a month that I've been contacting them to retrieve my funds from Marcus to my other US external checking account ( linked to my Marcus profile ) and they are putting multiple blocks. I have contacted them every single day. It's been a week since they told me my money would be transferred to my other account. Passed their deadline ( Tuesday ), I have contacted again and have only now mentioned that I should ask my other bank to recall the funds. Which I tried, but is not a feasible option since all the savings I accumulated on Marcus throughout the years ( around {$140000.00} ) were not originally sent from my current checking account so it can't be recalled. I've contacted Marcus again and now it will take another XXXX business days for them to give me another alternative. At this point, I'm considering they are just slowing the process, and holding my money hostage until I give up. They are not willing to collaborate and most agents have been extremely unpolite. I am in the middle of an expensive medical treatment and have an urgency in recollecting my money to pay for these expenses. I please ask for your assistance into this matter. I've contacted a lawyer recently who recommended placing this new complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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 multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Yesterday, XX/XX/23 I received an email stating that my account with Synchrony Bank had been closed due to delinquency on my credit report involving my mortgage, bank cards with high balances versus the limit, and revolving credit card accounts with high balances versus the limit. I called to speak to Synchrony Bank about this because the information that they have is not correct, and I have had a very good credit history with Synchrony Bank for almost 7 years now. They were not willing to allow me to provide information proving that the info they have is incorrect, and told me that there was nothing they could do to reverse closing the account for no reason. I explained to them that closing my account for no reason would be a punishment to me, because it would cause my credit to go down drastically and would also look like I stopped making my payments and they closed the account for that reason and that is not true. They were not willing to help me and basically told me they do not care. I have been reading alot of complaints online about this same issue with them. I am prepared to sue over this if they are not willing to reverse this decision. My mortgage is not in delinquency. I am on a Covid related forbearance, which was suggested by my mortgage company when I asked them if they could lower my payments due to losing my overtime at work. It was not because I could not make my payments. The one and only credit card that I had with a high balance, has been paid off and just has not been reflected on my credit. The other credits cards that I have ( 2 ) have always been paid on time just like the credit card that I have with Synchrony Bank. Closing my account was not necessary, and I want something done about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: NC

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
See attached documents. Remove this personal information that does not belong 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 non-monetary relief
Consumer complaint received 2023-07-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted previously my claim but accidentally put name of friend I was on the phone with while I was typing! Putting correct name on document and its updated! Over 30 days ( 45 actually ) from the day I sent to the day I submitted to the CFPB!

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 2023-07-21 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: FL

Complaint narrative:
I am writing to bring 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 fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing this letter to lodge a complaint against Wells Fargo Bank for their fraudulent practices targeting consumers. Despite my previous attempts to complain, I had to contact Wells Fargo again today to inquire about the amount I need to pay on my previous bill. I specifically asked the agent to calculate the amount, considering that there are four disputed charges that should be deducted. The agent performed the calculation and informed me that I could subtract approximately {$250.00} because the four disputed charges are still pending, and I am not required to pay or incur any interest. I then informed the agent that I had recorded our conversation as evidence in case there are any future issues for which they would be responsible. Immediately, she panicked and tried to transfer my call to her supervisor, retracting everything she had just said. This banks behavior is outrageous! They shamelessly deceive consumers, neglect disputes, and employ various forms of deception. They even claim that undisputed charges were not provided by the customer! Wells Fargo bank has shown me the ugliest side of American capitalist banking. This bank is on the verge of collapse ; they must be facing severe financial instability. I now have two recorded pieces of evidence : 1. A complete recording of the conversation regarding the disputed charges and the information provided. 2. A recording of the banks fraudulent misrepresentation of the correct repayment amount. I kindly request regulatory authorities to oversee this matter. If this shameless bank continues its obstinate behavior after my complaint, I am prepared to cooperate with the CFPB to take further legal action. Sincerely, 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 2023-07-21 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: IL

Complaint narrative:
It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 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: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-07-21 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: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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