vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 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: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt-Balance claimed including all fees, interest and penalties-Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Flagstar Bank is engaging in unlawful practices in violation of the Fair Debt Collection XXXX by employing a third-party local vendor, XXXX to XXXX affix a collection notice to call them to the front door my residence on XX/XX/2023 at or about XXXX. It should be noted that these are NOT registered process servers and this IS NOT legal process being served, simply a harassing collection notice being affixed to the front door of my residence by a collection agent. Upon making my last payment on or about XX/XX/XXXX and scheduling a payment for the remaining past due amount for XX/XX/XXXX, I advised the XXXX representative with whom I spoke that this practice is completely unacceptable, likely a violation of Federal Debt Collection Law, and that any individual unlawfully entering or remaining on my property without my knowledge or consent would face arrest for criminal trespass pursuant to state law. This occurred again on XX/XX/XXXX at or about XXXX, and again on XXXX XX/XX/2023 at or about XXXX on which occasion I personally confronted the individual and issued him a trespass warning that if he returned he would be arrested.

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 2023-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Approximately XXXX, 2023 Wells Fargo in XXXX locked me out of my safe deposit and refused me access. I went into the branch several times. By the time I was allowed access several days later {$12000.00} in cash was stolen. XXXX said see I told you we have cameras in the safe private room.

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 2023-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

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 non-monetary relief
Consumer complaint received 2023-11-12 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: EQUIFAX, INC.
State: HI

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: LEXISNEXIS
State: HI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian stated the XXXX XXXX XXXX XXXX XXXX listed on my Experian Credit Report was properly investigated but this 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 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
The credit card issuer ( First National Bank of Omaha ), allowed a {$31000.00} transaction to be charged to my account without ANY authorization by me ( cardholder ), and without my knowledge. The merchant ( XXXX XXXX ) charged this {$31000.00} transaction to my credit card on XX/XX/2023 without any prior authorization or consent ( written or verbal ) on my part. They just went ahead and charged my credit card, and XXXX just allowed it to go through. No one even blinked an eye. 

First National Bank of Omaha 's dispute/fraud department was contacted on several ( 4-5 ) different occasions. I spoke with representatives, supervisors, and invested hours of my time to explain that I did not want the charge to go on this credit card and that I did not authorize this transaction. I did purchase products from XXXX XXXX for this amount but in all my previous transactions with them, the products were delivered and an invoice sent, which can then be paid by the customer 's method of choosing. 

Not only did I not get an invoice, they ( XXXX XXXX ) went ahead and just charged the credit card of their choosing ( without my authorization ), and not only that, not ALL of my products were delivered. However, the issue here is XXXX, who does not have any fraud protection mechanisms in place to verify such a large transaction amount with their customer ( the cardholder ), and then refused to even acknowledge that they were in the wrong and to dispute the transaction. They're in bed with the large corporate companies that they're contracted with. That's who their actual customers are, not me or any other " little guy '' cardholder. 

I would steer very clear of 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 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: MO

Complaint narrative:
My phone was stolen on XX/XX/XXXX and card was compromised the person the person who stole my phone was able to get into phone and XXXXXXXX XXXX themselves XXXX transactions for {$50.00} and XXXX transaction for {$1000.00} I was able to get the phone shut off and filed a police report Police report # XXXX the XXXX said I had to speak with my bank as well I contacted chime the representative was being rude she filled my disputes and canceled my card and the next day my dispute was denied I called back and re submitted the dispute with documents my dispute got denied again i called again and again still no help from them I sent supporting documents and contacted the merchant they investigated and said my card was compromised and I sent the police report and documentation. I will be finding a new bank chime is no help when it comes to fraud they are so rude about it. I ask for documents they still have not said anything to me. XXXX  BANK

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
The XXXX XXXX XXXX has a credit card called Milestone. They sent me a pre approval & I went online were I was given {$700.00} with a {$75.00} annual fee.The card was mailed to me. I used it making purchases rounded up to about {$300.00} & started making payments. The payments never lowered the balance & they kept adding interest. They started calling me daily. I talked to the guy. Since I had paid {$500.00} already, ( thus the {$300.00} is paid off with {$200.00} in interest being paid ) he said when my lump sum came in from my employer, I could pay the {$700.00} ( they had me at {$990.00} still being owed ) & I would be back to a XXXX balance. Well, I paid the {$700.00} & I was left with over {$400.00} in interest yet to pay. I tried logging into my account with them & found I was completely locked out which means I cant look at my account to see anything.I tried to use the card to see if it was locked as well & it was. I called about my locked account & card with this never ending compound interest & a supervisor told me she would investigate then call me back with the results of the investigation. Never received any word on that investigation & Im at {$790.00} in interest being owed without any purchases.I cant use the card, the interest is piling without any purchases being made, Im locked out of my account, & Im ready to talk to my local prosecutor to see if I can press fraud charges. None of my other credit cards are like this. I still have the emails they sent me as well to pay a lump sum & then the interest would just go away. At this point, I want the card closed which they still refuse to do even after I sent out letters in the mail & this company investigated for fraudulent claims. {$300.00} dollars, {$75.00} of that is their annual fee, should never result in {$1700.00} in interest charges. Plus they changed their company name from GE Finance to XXXX XXXX. Too many lawsuits I guess. Issued by the XXXX XXXX XXXX & serviced by XXXX XXXX aka GE Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My identity was stolen and so I have multiple police reports and a FTC report that proves that I didnt open an account with XXXX XXXX or XXXX XXXX . They didnt have none of my correct information on file. Not my address. Not my phone number. Nothing. All they did was update it and verify it, but cant show me proof of verification. I literally sent so many different documents to prove it wasnt me and they ignored it and only update the information. These reports should not be on my credit file. These are fraudulent accounts and I took the proper steps to get it removed, so they shouldve been gone. Not updated.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
My account with Honda Finance was paid in full before the contract was finished. Honda Finance reassured me that this account will be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1. XXXX XXXX XXXX ( AUTOMOBILE DEALER, USED ) XXXX # XXXX 2. INQUIRY TYPE : PERSONAL LOAN COMPANIES ( XXXX XXXX XXXX ) XXXX # XXXX 3. INQUIRY TYPE : BANK CREDIT CARDS ( BANK CREDITS CARDS ) XXXX # XXXX 4. XXXX XXXX XXXX  ( BANK CREDIT CARDS XXXX # XXXX 5. INQUIRY DATE : MORTGAGE REPORTERS ( XXXX XXXX XXXX ) XXXX # XXXX 6. XXXX XXXX ( MORTGAGE REPORTERS ) XX/XX/XXXX # XXXX 7. XXXX XXXX XXXX ( MORTGAGE REPORTERS ) XXXX # XXXX 8. INQUIRY TYPE : MORTGAGE COMPANIES ( XXXX XXXX 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 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
They had closed my account due to some fraud related which was later found out it was not fraud and they said my bank account would be closing on the XXXX and then the XXXX but nothing had happen they keep saying we can talk to the risk department and that no one can do anything I have gone in the bank and she the branch manager who told me to come get money on the XXXX an nope they still keep saying its in the process its should have been done week ago

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I never requested the loan. I wanted to see the rates and end monthly payments. I did not want the loan once I saw it and I did not approve it. I clicked on " review order ''. It wasn't " complete '', " submit '', " request '' or anything like that. It said " review order ''. No text said anything whatsoever about submitting it. Next thing I know, it's completed and submitted. I immediately cancelled it with the seller and informed them this was not approved. I then contacted affirm to get it cancelled. They not only refused, but insisted I must have made the decision to submit intentionally. The rep was kind about it and understanding, but said she could do nothing. I don't blame her and don't doubt she has her limitations, but considering this is an illegal, unapproved loan, I expected more of an effort to fix it. Their solution was for me to request a cancellation from the seller and wait a week or two for them to cancel it. That means a loan I never wanted and the credit check for it go on my credit report. Absolutely not ok with me. My credit score, flawless for 12/13 of the years it existed, has been completely ruined and screwed multiple times in the last year by things outside my control and I've had enough. I'm done being a floor mat. " COVID issues '' isn't an acceptable argument anymore ( not that it was ever a particularly great defense. A virus existing doesn't mean you get to abuse federal bailout programs, close active and up-to-date accounts, and violate signed mortgage alteration agreements ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, BMW FIN SVC has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is my second time I file complain with cfpb because in first complain I didn't get my answer, Amex offer me welcome bonus now they tell me I'm not eligible, I want to know exact reason with proof of that and even they told me when I applied they told me I'm not eligible so even if you have proof of I signed it that open credit card without welcome bonus please share with me, I don't want my welcome offer I only want to know what's exact reason of that with proof, because in last complain mentioned some of reason from terms, I know all of them but I want to know which one is the reason I'm not eligible and what's proof of that My first complain number CFPB Ref No : XXXX Ref : XXXX

Company response to consumer: Closed with explanation