vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2022 to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided.This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
For TWO MONTHS I have been attempting to gain access to {$100.00} that was never credited to my account and is not earning money in a managed portfolio. Below is Axos Bank 's response to my XXXX  complaint. The refuse to credit my account or give a timeline for when my funds will be available. The last transaction I made in this account was on XX/XX/XXXX and they STILL have not resolved this. They have unapologetically stolen {$100.00} from me. 

" The discrepancy between the value of total deposits displayed in your online portal and the data contained in the statements is due to a balance display issue in your online portal. The total deposits made via XXXX into the XXXX XXXX account ending in XXXX, is in the amount of {$3000.00} as opposed to the incorrect {$2900.00} reflected in your account online per your supplied screenshot. Below this page is a record of all XXXX deposits received and processed accordingly in our system. We have escalated this matter to our technology department for investigation and resolution. A time frame is unable to be provided as to when the issue will be resolved by our tech team, however, a member of our team will reach out to you as soon as possible upon any available updates. '' DATE DESCRIPTION AMOUNT SOURCE XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$120.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$130.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$90.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$120.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$90.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$160.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$130.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$1900.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their 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 explanation
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their 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 explanation
Consumer complaint received 2023-12-20 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: U.S. BANCORP
State: OK

Complaint narrative:
I sent them a document rescinding any and all authorization they may have had to share my personal and private information per 15 USC 6802

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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Deposited {$830.00} into my wells Fargo checking account debit card and the atm had a jam. Wells Fargo credited XXXX XXXX  into my account as a placeholder. They still have not given me back the remaining of my money. Called them two times and attempted to resolve the matter the first time they told me that I would have all of my funds back in 2 business days. The second time I called they told me to file a claim and I would hear back in XXXX business days. Wells Fargo will not give me access to my 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 monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have just spent over an hour on the phone trying to remove a security block on my account due to me trying to purchase tires from Discount Tires online. 
The first agent stated she could not verify me since I did not have a landline The second agent, which was the same as the first one, stated she had to call me, which she never did The third agent, which was the same as the first one AGAIN, AND when I requested to be transferred to anyone else, she refused and just sat their quite until I hung up The fourth agent, did not listen, called me on my mobile and then refused to change my security word as the one on my account was setup 20 years ago when I had a joint account with my ex-husband! When I told him that my response to any question can be what ever I wanted, and I threatened to file a complaint with the FDIC, he finally did and stated my card was no longer blocked. 
I tried to use the card again, but his time I used a virtual card number that I set up thinking it would help. Guess what.. The card was denied again! 
The fifth agent had to transfer me, then I got XXXX who stated that my password was not changed, had to call me back, then since I did not want to hear what she had to say after she stated my card was unlocked, she said goodbye and hung up on me. 
The sixth agent stated that my card was still locked, and he unlocked it. He also stated that my security word still had not changed, and then started to tell me that all my purchase attempts from XXXX XXXX was actually going to be paid by Citibank! WHAT?!?! How, when XXXX, the last agent, stated that they were all charged and refunded immediately. PLUS, when I pointed out that my available balance plus my current balance still only equaled my total credit limit, so how was I being charged XXXX times for non-existent orders?!? I hung up! 

WHAT A JOKE! XXXX CALLS TO GET MY CARD UNLOCED!!!! 
WHY DO YOU KNOW JUST SEND A CODE TO THE APP LIKE 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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XXXX XXXX XXXX, my chase account was locked by chase. I could not access the fund in it until XXXX XXXX, XXXX. When I call them, they told me they had the right to close my account and was waiting the department to review it. They didn't send me the check back. But currently I have run out of my money and need the money in chase to pay for my rent and food! I was about to be homeless!!! I have borrowed {$500.00} and my friends were running out of money as well. I feel so desparate!!! Help me, please!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a letter in the mail from bank of America saying that my prepaid card was being discontinued and I needed to transfer any remaining balance to another card. At that point I called the bank to find out what they were talking about because I have never a bank of America card. This was XX/XX/XXXX. They told me the card was issued XX/XX/XXXX. It had {$430.00} onit back in XXXX. But there were two ATM withdrawals .they said the would send it to their fraud department. Well since then I have received THREE letter of denial. I've asked for the evidence they had to make their decision and they haven't sent me anything.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are currently appearing on my credit report. 

-- -- -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 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 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 -Equifax -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are currently appearing on my credit report. 

-- -- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -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 XXXX XXXX XXXX XXXX XXXX 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 2023-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am writing to formally address the ongoing and egregious violations of the Home Equity Line of Credit ( HELOC ) Agreement, as well as the Real Estate Settlement Procedures Act ( RESPA ) and pertinent consumer protection statutes by Specialized Loan Servicing LLC ( hereinafter referred to as " SLS '' ). This correspondence serves as an official notification of the breaches of contract that SLS has committed and continues to perpetuate. 

SLS is in clear violation of the terms stipulated within my HELOC Agreement, specifically concerning the obligation to provide monthly statements delineating the status of my account. Despite the explicit terms mandating the provision of these statements ( section 4b. ), SLS failed egregiously to fulfill this fundamental obligation, constituting a direct breach of our contractual agreement. 

Furthermore, in accordance with RESPA and other consumer protection laws, SLS is legally bound to comply with the requirement of furnishing monthly statements to borrowers. The consistent failure to provide such crucial documentation not only violates our contractual arrangement, but also constitutes a violation of the aforementioned federal statutes designed to safeguard consumers. 

Repeated attempts on my part to rectify this matter through communication and also filing complaints with SLS, have been met with disregard and an absence of appropriate action.

SLS has regrettably neglected to acknowledge its breach of contract and the concurrent violations of RESPA. Such behavior is unacceptable and undermines the trust and obligations inherent in our contractual relationship. 

It is pertinent to note that this is not an isolated incident, as evidenced by the Consumer Financial Protection Bureau 's Consent Order against SLS, highlighting prior transgressions concerning RESPA. This recurring pattern of non-compliance with federal laws demonstrates a systemic issue that requires immediate rectification on the part of SLS. In light of the aforementioned breaches and consistent disregard for contractual and statutory obligations, I demand prompt remedial action. Specifically, I insist on immediate rectification of the failure to provide monthly statements and a comprehensive plan to ensure future compliance with the terms of the HELOC Agreement and relevant federal laws. Please consider this correspondence as an earnest attempt to amicably resolve these concerns. Your prompt attention to this matter is anticipated and appreciated.

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 2023-12-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
TO : Capital One Re : XXXX cases with the XXXX last numbers below : XXXX, XXXX, XXXX We disputed the following payments on the above cases ( last XXXX digits ) since we hired them one year ago since we were planning to start an online business and they told us that we have to file taxes with all the states in usa and they would do it for us for {$200.00} a month. 
Unfortunately, we never started the business, and they kept charging and I was under the impression that they are reporting our XXXX sales monthly to all the states. 
XXXX weeks ago, I decided to stop this expense and I asked for a cancellation. 
After cancelation, I asked them to please cancel all the states tax numbers nationwide. 
They gave me a {$400.00} price which I decided I can do by my own but when I started calling the list they provided, I found out that they had only applied with a selected few, like XXXX states and thats why I decided to dispute these charges. 
I called many of the states and I managed to close the accounts but when I called the Mass state they told me the taxes were not even filed and I had to first complete those taxes even though XXXX and then close them. I tried online but even the login they gave me did not work. 
They misrepresented their services by giving us the impression that they will need to apply for all states but only did for a few and never informed us. 
Also, I have no idea if these people ever file the taxes for all the other states that I managed to cancel on the phone and did not check the reporting status of those states which may be another upcoming tax problem which we never wanted. 
Please kindly examine the papers I am enclosing for your review. 
Looking forward to your kind reply. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: GA

Complaint narrative:
I don't make this accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: CT

Complaint narrative:
I went to XXXX XXXX to buy a car, the agent asked if they could run my credit to see if I qualified for a loan. That agent went on to multiple banks and pullled the credit report and that I did not approve I was concerned that it would impact my credit scores. As it turned out it did impact my score. We ended not buying the the vehicle from them. 
About a week or two we went to XXXX of XXXX looked we were interested and they ran my credit report and they also contacted several banks to get me financing I was not aware that they also used multiple lenders. I finally got approval from XXXX XXXX XXXX XXXX and bought the vehicle. 

My bank XXXX XXXX XXXX XXXX sent me notice that my credit score was lowered this week and I contacted XXXX XXXX they recommended that I start a case with your company so I can get a copy from your company and forward it to all three credit bureaus. 

Please contact me asap sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: CT

Complaint narrative:
I went to XXXX XXXX to buy a car, the agent asked if they could run my credit to see if I qualified for a loan. That agent went on to multiple banks and pullled the credit report and that I did not approve I was concerned that it would impact my credit scores. As it turned out it did impact my score. We ended not buying the the vehicle from them. 
About a week or two we went to XXXX of XXXX looked we were interested and they ran my credit report and they also contacted several banks to get me financing I was not aware that they also used multiple lenders. I finally got approval from XXXX XXXX XXXX XXXX and bought the vehicle. 

My bank XXXX XXXX XXXX XXXX sent me notice that my credit score was lowered this week and I contacted XXXX XXXX they recommended that I start a case with your company so I can get a copy from your company and forward it to all three credit bureaus. 

Please contact me asap 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 2023-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: DE

Complaint narrative:
THIS IS A SCAM FOR THESE BIG COMPANIES TO PRESSURE ME TO PAY A DEBT I DO NOT OWE!!! 
I HAD XXXX XXXX XXXX AND I CANCELLED SERVICE WITH XXXX AND TURNED IN ALL INTERNET EQUIPMENT. I WENT TO XXXX EVERYTHING WENT SMOOTHLY. I CANCELLED WITH XXXX XXXX TURNED IN ALL EQUIPMENT AND WENT BACK TO XXXX WHERE I AM CURRENTLY. IF I WAS IN THE NEGATIVE, I WOULD NOT BEEN ABLE TO RETURN WITH XXXX AGAIN FOR APPROX. 1.5 YRS NOW ACTIVE AND CURRENT. 
NOW CREDIT CONTROL IS CONSTANTLY DEMANDING I PAY. WHAT I OWE XXXX NOTHING AS I HAVE SPOKE WITH XXXX MANY TIMES PLUS RECEIVING A COUPLE OF GIFT CARDS FROM THEM. WHAT A SCAM.

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 2023-12-20 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation