vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-01 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-01 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: FL

Complaint narrative:
The accounts listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Looking over my XXXX consumer profile, I identified an account that I have not consented to a credit transaction. The company obtained my private information with out my consent and opened an account without my permission. I have no reference of this account and have never received any correspondence related to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I obtained a Loan Modification through the Bankruptcy XXXX process & The Mortgage Servicer deliberately refuses to accept my payments over a period of 2 years with no explanation or justification .I have sent XXXX Wire Transfer to them for my Mortgage Payments & they have refused everyone of my payments, My Mortgage payment monthly is {$3100.00} But they have insisted to XXXX XXXX {$4100.00} the Principal XXXX XXXX XXXX the same I have sent them the statement from the XXXX Department XXXX XXXX XXXX my Annual Property Taxes I have sent them a Statement from my Homeowners XXXX XXXX the Annual Amount for my Homeowners XXXX XXXX Yet they have refused to honor the legitimate proofs,, My Home was completely destroyed bey a fire & I still submitted my payments & they refused all payments .They choose to send me misinformation & wilfully misleading information, My life is in constant Limbo XXXX am entitled to compensation from XXXX XXXX due XXXX XXXX fact they have violated numerous Consent Orders from The CFPB, The XXXX Treasury Department XXXX XXXX XXXX of XXXX Comptroller of the Currency XXXX XXXX New York XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX credit rating due to their negligence has decreased tremendously, causing me to be unable to obtain credit

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 2023-12-01 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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 2023-12-01 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/16 my checking account was hit for {$180.00} and {$26.00}. Did not make these charges and never received any merchandise.

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 2023-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
Since the XXXXXXXX XXXX XXXXXXXX I have attempted to make my monthly payment online. Website was down and couldnt get anyone on phone. On the XXXX a website was restored ( a different format ) and it would not allow me to pay. Phones are still down. I am now past my 30 days and beyond panicked. They have made it impossible for me to pay my XXXX mortgage. Now I read they were cyber hacked in XXXX & never communicated this to any of their clients!

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I spent time calling and writing to Equifax and researching the data breach which caused emotional distress. 

Equifax had a data breach which means everything on my consumer credit report was breached. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My stated minimum monthly payment on the Nelnet website was {$130.00} after getting approved for the Extended XXXX Payment Plan. I setup a monthly auto debit from my checking account for {$130.00} on the XXXX of each month. The month of XXXX went as expected. XXXX did not. On XX/XX/XXXX, I was auto debited {$57.00}. On XX/XX/XXXX I was auto debited {$63.00}. Then on the XXXX I was still auto debited the {$130.00}. I never signed up for, nor approved the first two auto debits during the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This relates to XXXX XXXX XXXX check # XXXX. On XX/XX/XXXX, someone stole the check ( issued on my name ) for my house fire damage reconstruction of {$140000.00} which was sent to my public adjustor 's address -- XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX XXXX and was missing from that address. When I was notified by my mortgage company that the check was deposited, I went to my local Capital One bank and found out that there was a fraudulent bank account opened that deposited this check. After that, when I asked Capital One to return the money, Capital One told me that the money could only be sent back to the check issuer, which is, XXXX XXXX XXXX Capital One also requested that XXXX send them a hold harmless letter to receive the money back, which XXXX sent them. After that, on XX/XX/XXXXXXXX I received a call from XXXX XXXX ( Capital One Bank, Ext No. XXXX ) who told me that the money was sent back to the XXXX account on XX/XX/XXXX. But until now, my mortgage company did not receive the money back. After that, I repeatedly called Capital One Bank, and talked to the local bank, but they did not give me any reasonable answer as to where the money is. 

I am asking that CFPB urge Capital One Bank to return the sum of money to XXXX XXXX XXXX so I can repair the house from fire damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: FL

Complaint narrative:
I am writing to bring to your attention a matter concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted XXXX regarding discrepancies in my credit report. Despite my efforts, I have not received a response from them to date. The following details the inaccurate information and the necessary corrections : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  This account is not mine, and I request its removal from my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Original Creditor : XXXX XXXXXXXX XXXX This account is not mine, and I request its removal from my credit report. 

XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Original Creditor : XXXX XXXX XXXX This account is not mine, and I request its removal from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} This account is not mine, and I request its removal from my credit report.

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 2023-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found two accounts that are not mine. I did not open these accounts. These are two phone company accounts. One which already went into collection. Please remove these accounts for me ASAP. Thank you so much for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: NY

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-01 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: DE

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened an an account in Truist Bank on XX/XX/XXXX and deposited XXXX checks electronically, XXXX in the amount of {$1900.00} and the other in the amount of {$3900.00}. 

A week later I received a notice from Truist Bank that they suspect the checks are fraudulent and account is being closed. They gave me no information about why they suspected fraud. I requested that they send me a letter explaining why they suspect fraud. They promised they would send q letter but I received no letter. 

Truist told me I would have to get a notarized letter from my employer stating that the funds were intended for me, and a statement from the manager of the issuing bank to show that the check cleared. I was not sure I understood these instructions clearly so I asked truist to send me these instructions in writing. They told me a letter was issued on XX/XX/XXXX. I waited but received no letter either by email or post. 

I contacted my employer who issued the checks and was told that the checks cleared on his end. He gave me a printout showing the checks had cleared. I contacted XXXX bank ( the bank the funds cleared from ) to ask for a letter but they told me they don't write such letters and had no idea what I was talking about. Since truist had not sent me the documentation I requested I was unable to clarify with XXXX bank the information I needed. 

I received a bank statement from truist showing the XXXX deposits totaling {$5900.00} but the funds were still unavailable I called Truist again to ask about why my funds are still on hold. I was kept on hold for nearly a hour and was told they had no information for me other than they suspect fraud. I again asked for all this information in writing which I still have not received. 

On XXXX I received q letter that my account was closed and the funds are in an escrow account. 

It is now 2 months since I opened the account, I have no access to the funds and no clear account from Truist about why they are withholding the money

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
Approximately XX/XX/2023, I attempted to access the website for my mortgage loan servicer, Lakeview/Loancare. The website was not accessible and has not been accessible. In doing some research, the parent company, XXXX XXXX XXXX XXXX XXXX appears to have filed an XXXX with the SEC on XX/XX/2023 indicating they experienced a cybersecurity incident : XXXX XXXX XXXX XXXX At no point in time has Lakeview/Loancare, or XXXX XXXX XXXX communicated that this occurred to me as a client/customer. I was only able to find details about the incident by searching the internet. Overnight I received an email saying the website is again accessible, but it is in fact still down. 

Meanwhile, the phones are either not being answered, or being answered by somebody who will give no information. Further, during this time I have continued to receive marketing emails.

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi card double cash provides cash back, this cash back can be applied as a statement credit. The issue is when you apply your cash back as a statement credit it also reduces the amount owed. However they amount showing as outstanding is wrong. What they don't tell you is that you have to pay the amount owed prior to statement credit. So our account showed a balance of say {$2000.00} we applied a {$500.00} statement credit and the amount due was {$1500.00}. When I'm actually we needed to pay the {$2000.00} in order to avoid interest charges. No where does it tell you this, if you call in, look online, or check the app they all will tell you that you're new amount due is the lower amount. So when we paid that amount they charged us interest for the total amount due. When we asked about how we were supposed to know that we had to pay the higher amount nobody could explain or show us anything. The reality of the program is that the statement credit applied only to the current statement not the statement that is due.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent request to all 3 credit bureaus to correct my legal name and and remove all the other names and other address but my present address on my credit report and they have not responded. I have also filed request regarding the Fair Credit reporting act for accounts to be removed from my credit report and for payments to not reflect negative due to the covid 19 period. I am attaching all my documentation supporting my request that was sent to XXXX, TransUnion and XXXX. 

I would like to thank you in advance for your time and assistance with this 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 non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I tried to open Wells Fargo Everyday checking account following this offer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Get a {$300.00} checking bonus* Open an Everyday Checking account** with a minimum opening deposit of {$25.00} from this offer webpage. Complete the qualifying requirements to receive your {$300.00} bonus. This offer is for new checking customers only. 





But my application was declined for no good reasons. 
I have a credit score of around XXXX and living in USA since 2005. Never faced denial for opening bank 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