vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC

Complaint narrative:
See attached file that demonstrates 1. I canceled a check 2. Have confirmation of cancellation via FNB 3. the bank FNB did NOT cancel the check. 4. Payment went through to the company who failed to do the job properly, job supervisor NEVER called me or emailed me back 5. FNB said it was my error that they could not stop the check 6. You can see FNB lied as there was no error in my documents-not the check amount or check number 7. So, FNB wont refund me and the company that did the business is a nightmare and I never want them in my house again. 8 FNB is an insured bank and guarantees services to their clients -- FNB betrayed me. 
CFPB and the FDIC ought to ensure that Banks honor policy. If they had pulled the check I would not have had to deal with the nightmare of the company never responding, because they took the money and ran. 

It is time for FDIC and CFPB to insist that banks honor their policies. Otherwise the very reason that the CFPB was created will occur AGAIN, there will be bank failures, and that was the reason CFPB was created to be a watchdog, resolve, prevent a second bank crisis... 

For the XXXX XXXX XXXX  ensure I get justice as it will also ensure those banks betraying people become afraid and do not continue to violate policy designed to protect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
I obtained an auto loan through a dealership with Fifth Third Bank ; however, every month when I try to make a payment, they are unable to find my account and my internet login credentials are cancelled. Now I am unable to obtain a payoff. I'm on the telephone with the bank right now and they refuse to give me a 10-day payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
They have wrong information about my report and has wrong information .they are trying to go homeless, they are defamation of my character, this i call harassment toward me which is bad practice, since i mention already. I'm trying to buy a house but, its hurting me to get a hose transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Inquires I didn't express consent for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir, I was went to the Chase Bank branch at XXXXXXXX XXXX XXXX XXXX XXXXXXXX and deposit my cash USD XXXX which all in XXXX bills into the ATM. Unfortunately, the machine was malfunction and eat my cash unexpectedly. I was call to the customer service immediately twice as instructed on the receipt and asking for prompt assistance. The representative told me this case is on file and they will send a repair team tomorrow on Monday. There is nothing we can do on Sunday and will give a positive answer by eamil within two working days. On XXXX, I went to the Chase bank branch at XXXX XXXX XXXXXXXX and explained the whole situation with a private client banker. He discuss this case with the back office by his landline phone. He told me this case under investigation and will give me a feedback within two days by email. However I still not received any positive response after three days. I went to the Chase bank XXXX at XXXX XXXX XXXX on XXXX XXXX and ask a banker is there any update for my case. She talked to the back office and told me this case still under investigation and will give a feedback in two days. Meanwhile, the bank will credit USD XXXX to me and will release the other amount after the case closed. Regrettably, I did not receive the credit as promised. I went to the Chase bank branch at XXXX XXXX XXXX again to seek for further assistance on XXXX. The XXXX XXXX XXXX talked to the back office the situation I was encounter. He told me the bank will credit USD XXXX to me immediately and the back office will provide a final decision within three days. On Thursday morning, I received a email which says as result of researchs there was no deposit made to my account. They disputed the cash deposit for USD XXXX dollars. 
Please kindly review this case and investigate all recording videos on the ATM and the branch XXXX XXXX XXXX to ensure my statement is truly correct. While I was made this cash deposit as mentioned above, there are three witnesses beside me. Two of my friends from XXXX and one security guard on duty on XXXX XXXX morning at XXXX. Your kind attention and prompt assistance is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ON XX/XX/XXXX I RECEIVED NOTIFICATION FROM THE HAZARD INSURANCE PROVIDER THAT LENDER FAILED TO PAY THE POLICY RENEWAL FOR COVERAGE FROM XX/XX/XXXX THRU XX/XX/XXXX. ON XX/XX/XXXX LENDER MAILED ME NOTIFICATION THAT AS OF XX/XX/XXXX HAZARD INSURANCE HAD EXPIRED AND REQUESTED EVIDENCE FROM ME OF COVERAGE. I HAVE HAD AN ESCROW ACCOUNT SINCE THE INITIATION OF THE LOAN AND LENDER FAILED TO PAY THE INSURANCE WITH THE ESCROW ACCOUNT. THE INSURANCE POLICY COULD NOT BE REINSTATED ACCORDING TO THE INSURANCE REPXXXX ON XX/XX/XXXX WHEN I CALLED. SO LENDER IS RESPONSIBLE, ACCORDING TO REP.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 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:
I do not recognize the inquiries on my credit report listed in the id theft report EXPERIAN 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 XXXXXX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, EXPERIAN, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN, XXXX, XXXX XXXX XXXX XX/XX/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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My consumer rights have been violated for the last past year I've been disputing an inaccurate account # XXXX XXXX XXXX XXXX. 

Account # XXXX This account has multiple violations however they failed to put in a comment section on my consumer report that it has been disputed. This is a violation of the FCRA. 

Please delete this 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 explanation
Consumer complaint received 2023-08-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TX

Complaint narrative:
I have sent several letters to Equifax about a negative report that is showing up in my credit profile. I am not going to allow Equifax to continue to violate my rights under law 15 USCa ( 2 ) ( b ). They have not yet provided me with anything I have asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recognize the inquiries on my credit report listed in the id theft report XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TRANSUNION, XXXX XXXX XXXX XX/XX/XXXX TRANSUNION, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TRANSUNION, XXXX XXXX XXXX XX/XX/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 2023-08-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognize the inquiries on my credit report listed in the id theft report XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, EQUIFAX XXXX XXXX XX/XX/XXXX XXXX, XXXX, EQUIFAX XXXX XXXX XXXX CITIZENS, XXXX XXXX XXXXXXXX, XXXX, EQUIFAX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I received a letter my loan was transferring from XXXX XXXX to New Rez. It stated the transfer date was XXXX, XXXX XXXX would stop accepting payments and the new servicer would start accepting payments. I did not receive any information about my new loan number. On XXXX I tried to contact New Rez to make a payment, and an automated message via their phone number stated they would not be accepting payments until XXXX. I also tried to login to their website on XXXX and was blocked, I needed my new loan number which was never provided to me. I had to call to get my loan number. 
I just received my welcome letter TODAY XX/XX/25 from Shellpoint/Newrez which has a " date '' of XXXX. There's no way this was mailed on XXXX. It finally has my loan number and information on how to make payments. 
I work for a mortgage servicer, this communication lag is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TX

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was an authorized user but had no card or access to credit. Primary account holder has passed away and had debt remaining obviously.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was told i was on a hardship plan of {$70.00} a month. All of a sudden this payment plan changed to a minimum payment without notifying me. When i made a hardship payment instead of the minimum payment i had no idea my credit score was lowered from XXXX to XXXX. 
I was decieved into making larger payments then penalyzed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
In early 2019 Credit Acceptance Corporation had the understanding that I was unable to pay my bill. I voluntarily repossessed the vehicle due to not being able to make payments they stated that they would then put it under voluntary repossession and I wouldnt be responsible for the balance of {$13000.00} for a used vehicle. When you pull my credit report it does not show on the report. But when you pull my public records it shows they are trying to garnish my paychecks in which I had no knowledge of this and havent spoken to anyone about this. To my understanding once the car was out of my hands it was not going to be on my credit report or I would have my paychecks garnished.

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 2023-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX : Arizona Zip : XXXX Email Address : XXXX Wakefield and associates is the company. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
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 2023-08-25 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: TX

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 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Original XXXX XXXX about a fraud scam check deposited was reviewed and rectified on a XXXX yeqr old. The checkss were returned to the scammer l. This scam also allowed the theif to extract money from both checking and savings account via XXXX. Those funds were never there and the slammer sent them. This caused a negative balance in both checking and saving account. This case # is Wells Fargo case XXXX. Today XX/XX/23 they denied the fraud claim. Allowing the hacker to have the money from the scam check that was deposited. We appealed the denial and have not heard from their Executive dept..

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
The account with Bridgecrest should reflect a {$0.00} balance. Currently it is still reporting a balance on the loan which appears on the 3 credit reports XXXX, XXXX and XXXX. 

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. Bridgecrest, has violated my rights. 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 2023-08-25 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX is hosting an AMEX account on my consumer report that is not mine. I requested Verification per 15 USC 1692g, But I have been ignored by the company. They will not send me verification of debt, I requested it from AMEX as well with no response. The response of it " account verified '' is not verification per 15 USC 1692g. 


XXXX and XXXX have deleted AMEX account due to defamation of character and due to AMEX being a fraudulent account. I understand under Congressional findings that ALL consumer reporting agencies must have accurate information per 15 USC 1681

Company response to consumer: Closed with explanation