vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
XX/XX/2020 I opened a Navy Federal Credit Union XXXX XXXX XXXX account. 

XX/XX/2020 XXXX XXXX placed multiple restrictions on my account. I tried to close my account & have a check sent to the address on file & NFCU denied this request. Stating that they are unable to close my account, due to security restrictions. So while they can freeze my account, I would appreciate it if they either unlocked my accounts, or just close them & send me the funds. Id prefer to just have my account unlocked though, so I can keep my NFCU account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I just received discovery on this. I rented a car from XXXX XXXX XXXX XXXX in XXXX California on XX/XX/XXXX. I was in a dispute with Wells Fargo Bank concering the total amount charged with XXXX XXXX a XXXX. 
With a balance in my Wells Fargo checing account ending in XXXX of {$190.00}. 
On XX/XX/XXXX. I see Purchase Authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX Redding, CA {$1700.00}. Confirmation Number : XXXX on my Wells Fargo XXXX XXXX XXXX ending in XXXX. 
XXXX XXXX. This account is NOT CURRENTLY COVERED BY OVERDRAFT PROTECTION. 
How could this happed?

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Equifax XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified.

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated to be completely deleted. 
The FOLLOWING accounts allegations are either UNTRUE, XXXX, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to reg|ulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : LOWBOX and XXXX is reported as having a late payment my credit report : XXXX has XXXX and XXXX of XXXX paid but then XXXX has XXXX and 60 days late. 
I am demanding that they be veupdated to Paid as Agreed and Never XXXX. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Experian I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated to be completely deleted. 
The FOLLOWING accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to reg|ulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : LOWBOX and XXXX is reported as having a late payment my credit report : XXXX has XXXX and XXXX of XXXX paid but then Experian has XXXX and 60 days late. 
I am demanding that they be veupdated to Paid as Agreed and Never XXXX. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I saw written information on my credit report such as my address and I reached out to the credit reporting agency it to remove it and has since refused. I am sending a final update and warning as I will be filing a suit next month XX/XX/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 non-monetary relief
Consumer complaint received 2023-12-10 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: CA

Complaint narrative:
I saw written information on my credit report such as my address and I reached out to the credit reporting agency it to remove it and has since refused. I am sending a final update and warning as I will be filing a suit next month XX/XX/ 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 non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I saw written information on my credit report such as my address and I reached out to the credit reporting agency it to remove it and has since refused. I am sending a final update and warning as I will be filing a suit next month XX/XX/20XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX 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. 

I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : Transworld systems inc for {$3200.00}. 

They have not got back to me as yet however I have never done business with the original creditor XXXX. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-10 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: CA

Complaint narrative:
I am writing to address persistent inaccuracies on my XXXX consumer report. The provided documentation proves my legal name as XXXX XXXX XXXX. Requesting the immediate removal of inaccurate names, outdated addresses, and incorrect employer information : 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 XXXXXXXX XXXX XXXX XXXX XXXX Only accurate details are : Full Name - XXXX XXXX XXXX, Mailing Address - XXXX XXXX XXXX, Phone - XXXX, Email - XXXX. Urgent attention and timely resolution requested. 

Thank you. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Our original home loan was through XXXX  and then it was sold to newrz LLC. We were told by both companies that this would be a seamless process and that they are just picking up were XXXX  left off. That is far from the truth. We have been with him for one month they have paid my homeowners insurance late causing a cancellation and then this morning I'm receiving another cancellation notice from the insurance company because changes need to be made. I In the original garbage that we received that all documentation insurance policies and everything will automatically be transferred and updated. I'm finding this out not to be true. I even called and had everything updated with my homeowners insurance. Had to call them a second time to ensure that it was updated. The lack of communication and transparency is very concerning. 

I am not receiving any documentation letters and or instructions from the new company on why changes need to be made or even being informed of them. I'm seeing hundreds of complaints in regards to this company and their actions. I'm wanting to reach out to find ways to protect myself from them doing any more damage to my home to my finances or even my XXXX XXXX How should I proceed and how can I get someone to actually talk to at this company that actually knows what they're doing? I should not be in fear of losing my home or getting charged late fees for the ineptitudes of a company that has done this to so many people. I'm sure you can see from your reviews and people who have submitted as well as the XXXX XXXX XXXX That this is an ongoing trend I am very scared and nervous for what is the yet to come in the new year. Please 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 2023-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XX/XX/23 - Call Aidvantage customer service to get a refund on my negative account balance. Agent tells me that the loan is paid off and does not exist anymore. Tells me to call university. 
XX/XX/23 - Call Aidvantage again to request refund on the negative account balance. Representative tells me that I shouldnt worry because my loan is paid off and to tell the school I dont owe them the money. 
XX/XX/23- University tells me that since the loan was cancelled and they paid the loan company, I needed to request the funds from Aidvantage to pay them. 
XX/XX/23 - Another call to Aidvantage. Representative again tells me not to worry about it when I repeatedly say that I need the money to pay back my school for the cancelled loan. I clearly have a document on my account that shows a negative account balance. I am getting extremely frustrated at this point. 
XX/XX/23 - Call Aidvantage again in the hopes of getting someone who knows whats going on. Representative says they are requesting a refund. 
XX/XX/23 - Have heard nothing. No confirmation of anything. I guess I am just supposed to wait without knowing if anything actually happened. I need that money to be able to enroll next semester otherwise they will block enrollment for owing thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was XXXX in XXXX when this card was opened and another was opened recently. Ive advised the company I didnt open this and it wasnt authorized by me they werent even mailed to me. I requested the addresses and application information and removal from credit reporting but they just opened another card in my name instead

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This account was opened fraudulently. I was XXXX when this was opened Ive advised the company and sent disputed them them and the credit bureaus with not response and no change in reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: FL

Complaint narrative:
My business debit card attached to our business checking account, was illegally used, hacked!!! On the morning of XX/XX/XXXX I woke for work approx XXXX to find 2 emails from Wells Fargo. The first was an email at XX/XX/XXXX at XXXX ( the night before ) *Wells Fargo Fraud Detection XXXX unusual activity, the transaction was declined. The 2nd email at XXXX subject line Your Business Account has reached XXXX dollars. I immediately looked at my account and saw that someone had hacked my debit card and wiped out our business account. I immediately called to report the fraud and ask why they didnt decline all of the back to back charges, not just one. The lady filed the claim inquiry, canceled the debit card, issued a new one and said they would clear it up. All funds were reimbursed except for the largest at {$3200.00} to XXXX XXXX I received an email on XX/XX/XXXX that my order shipped from XXXX. I immediately responded that I had reported fraud on that card and to cancel that order ( emails attached ) XXXX responded, acknowledged the email statingwe are doing an investigation, our bank is going to start working on this ASAP. You are going to receive a resolution as well through your bank, usually around 7-10 business days. meanwhile, we received provisional credit to continue to run our business and make payroll. After searching my emails, I found several other emails in my all mail, spam folder from XXXX. One from XX/XX/XXXX at XXXX stating XXXX XXXX did you forget something? left something in your shopping cart to another at XXXXXXXX XXXX  Order Confirmation # XXXX As I had already reported this fraud to Wells Fargo and XXXX XXXX I fully expected that it would be handled. Have never received any product, never heard back from Wells Fargo or XXXX until yesterday XX/XX/XXXX when I received a letter in the mail from Wells Fargo ( attached ) stating we found the charges were made by you or someone who had your permission. The {$3200.00} temporarily credited to your account ending in XXXX will be reversed 10 business days from the date of this letter on XX/XX/XXXX. Please consider your claim closed. We are beyond stressed by this whole mess and are trying to run a small XXXX  business that WOULD NOT and DID NOT purchase these XXXX  items and NEVER RECEIVED anything from this company. It must be resolved!!!

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 2023-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This account was opened while I was XXXX. I didnt open or authorize this lease

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Nav Technologies, Inc.
State: HI

Complaint narrative:
Disputed the following charges with NAV Prime Card on XX/XX/2023 and XX/XX/2023 and NAV said that provisional credits for the full amount of the charges was to be posted by XX/XX/2023. Contacted NAV on XX/XX/2023 and they now have no timetable to post the provisional credits. 

XX/XX/2023 Disputed XXXX XXXX XXXX  charge in the amount of {$89.00}. Paid for annual fee but never received products or services. Immediately cancelled service same day for full refund. 

XX/XX/2023 : Disputed XXXX  XXXX  in the amount of {$99.00}. Paid for annual fee but never received product or services. Immediately cancelled service same day for full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received an offer in my email stating that I would receive a {$900.00} total bonus by opening a Chase Total checking account along with a Chase savings account by meeting their requirements. I opened both accounts on XX/XX/2023 via the link embedded in that email and the coupon code for the {$900.00} was entered at that time. I waited and noticed that the bonus never posted despite meeting the account opening criteria. I contacted Chase through their secure messaging system in early XXXX to find out why my bonus had not posted. I was told that the I coupon code that I received was not attached to the accounts and there was nothing that could be done. I have no idea what happened during the signup process but I am 100 % certain that the coupon code was entered correctly. My personalized coupon that I received is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This account was opened fraudulently. I was XXXX when this was opened Ive advised the company and sent disputed them them and the credit bureaus with not response and no change in reporting

Company response to consumer: Closed with non-monetary relief