vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit reports from Experian, XXXX, and XXXX, I discovered that XXXX XXXX XXXX XXXX XXXX XXXX has reported as a collections account. However, when researching XXXX XXXX XXXX XXXX XXXX XXXX XXXX I found that they do not hold the required Third Party Debt Collector license from the Texas Office of Consumer Credit Commissioner as mandated by Texas Finance Code Chapter XXXX for debt collectors operating in the state of Texas XXXX 

As I am a XXXXXXXX XXXX XXXX, any debt collection activity conducted in my state of residence must be done by properly state-licensed collectors according to the Texas Debt Collection Act. Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX the required state debt collections licensure in Texas XXXX I formally dispute this tradeline on my credit report and request that it immediately be removed. Reporting of illegitimate, disputed or inaccurate information to credit reporting agencies violates federal law, specifically the Fair Credit Reporting Act. 

Please investigate this disputed account from XXXX XXXX XXXX XXXX XXXX XXXX and remove it from my credit files immediately due to the lack of proper state licensure.

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 2024-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I recently applied for an Exxon credit card and was approved, but their system said I needed to call in to verify some things. I was unable to get through their automated system to even talk to a person to see what the issue was. After a few days I received an email stating I was approved and that my card was on the way. After receiving the card, I tried to activate it and once again it said I need to call in. I called in and once again was unable to get to the right person to find out what the issue was. Then their rep hung up on me. I did not curse or do anything unprofessional. Called back in and had to navigate the phone tree again to finally talk to a person. This person said they would have someone call me back at a later time, after saying they couldn't verify my account with a phone number. I asked to speak to a supervisor and told them I would hold to speak to a supervisor. They told me a supervisor would call me back, but I declined and said I would stay on the phone as I didn't want to have to go back through the phone tree again. At this point I just wanted to cancel/ close the account. They kept trying to say a company as large as Citi didn't have a supervisor available and I find that hard to believe. They kept trying to get me off the phone without resolving any issue. Finally after 45 minutes I was able to get a supervisor on the phone and I was placed on hold again. After being on hold for 10 more minutes I was hung up on again without any resolution.

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 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
The week of XXXX XXXX, XXXX I sent a notarized copy of the DIRECTION TO CONVEY from the XXXX XXXX XXXX XXXX XXXX to NewRez, the current mortgage holder of the property. We needed NewRez to release consent since the property is in trust so we could move forward with the closing of the sale of the property. I followed up repeatedly to check the status of the " consent. '' The reps kept saying they saw my documentation but to call back the following day. We had to postpone the closing from XXXX XXXX, XXXX to XXXX XXXX, XXXX. However, on XXXX XXXX, last Friday, a rep named " XXXX  '' advised me that her supervisor told us to move forward with the sale and that we would not need any consent. My atty who was on the call with me told XXXX the NewRez representative that the Title company required a " consent. 'XXXX XXXX spoke with a different supervisor and said, " I'm sorry but it will take XXXX more days for us to provide you with a consent so you will just have to lose the sale. '' It was disgraceful. Our buyer has graciously offered to reschedule closing for the first week of XX/XX/XXXX. Meanwhile we are unable to get any assistance from NewRez on providing us with the consent. They have all of the paperwork they indicated they needed but the frontline customer reps repeatedly state that they can't allow us to speak with the Loan Processing department which was sent our required documentation. XXXX has helped me in XXXX for another matter so this morning I'm reaching out to your team again. This makes no sense. I've attempted to reach out to the CEO via XXXX and XXXX but no one has responded. Please advise. All we need is a " consent '' from NewRez so we can sell the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/, I settled my outstanding balance with XXXX XXXX. However, as of XX/XX/XXXX, it still appears as a collection item on my credit report. I reached out to XXXX XXXX and even initiated a dispute process. They confirmed that the account has been paid in full and should no longer be listed on my credit report. Additionally, I have received an email confirmation from XXXX XXXX regarding the resolution of this 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
Consumer complaint received 2024-01-22 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: OH

Complaint narrative:
They are applying payments to only one loan on my account, yet charging me twice a month as if they are going to apply payments to both. My account says past due, and it is NOT. They deduct two amounts from my bank account every month {$50.00} and {$220.00} ; they need to apply the {$50.00} payments to the correct loan. 

Also- they are debiting my account the wrong amount for the payments, or they are sending my incorrect documents. I am on auto debit, and I want this to STOP, and I want my interest earned reverted back to XXXX - per the XXXX XXXX. 

On XX/XX/XXXX this company emailed me that I had a {$0.00} dollar payment due on XXXX 

They took {$220.00} from my account, payment finalized on XX/XX/XXXX ; this is clearly not {$0.00}. 

On XX/XX/XXXX this company emailed me that I had a {$0.00} dollar payment due on XX/XX/XXXX. 

They took {$220.00} from my account, payment finalized on XX/XX/XXXX ; this is clearly not {$0.00}. 

On XX/XX/XXXX this company emailed me that I had a {$180.00} dollar payment due on XX/XX/XXXX. 

They took {$220.00} from my account, payment is pending and this is clearly not {$180.00}. 

If I was not on auto debit, I would be paying the wrong amount and/or past due by 3 months. I have no way to trust that the amount they are debiting my account is accurate and being applied properly, it clearly is not being applied properly for the {$50.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX On XX/XX/XXXX, I received a letter from XXXX XXXX with American Express informing me that my disputed charge of {$960.00} to Home Depot was re-billed to my account. In the letter, XXXX XXXX did not acknowledge my certified letter which was received on XX/XX/XXXX by American Express ; however XXXX XXXX did explain that American Express would be able to re-dispute the charge if I provided them with communication I had with the merchant showing that I attempted a return. In XXXX XXXX 's letter, he specifically requested that I provide him with my communication sent to the merchant on XX/XX/XXXX- which was the same date that the incorrect XXXX  was installed in our condo and the first date I have written communication with the merchant. 

I am attaching my XX/XX/XXXX email message with attached photos which was sent to the merchant 's XXXX customer service department and received by the merchant. I am also attaching XXXX XXXX 's letter of XX/XX/XXXX. 

I kindly ask that American Express re-open this dispute as I have provided extensive written and photographic evidence that I did not receive the item I purchased from the merchant and contacted the merchant IN WRITING on the very same day I received the INCORRECT item - XX/XX/XXXX. The merchant REFUSED to pick up the incorrect item and re-deliver the item I purchased. 

I will be following up on this investigation with certified letters to both the Consumer Financial Protection Bureau as well as American Express. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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:
Improper use of credits and report s mail XXXX, language XXXX.anti trust XXXX. Notice of non consent.

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 2024-01-22 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: TX

Complaint narrative:
Improper use of credits and report XXXX mail fraud, language fraud.anti trust fraud. Notice of non consent.

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 2024-01-22 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:
Unauthorized hard inquiries! 
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 non-monetary relief
Consumer complaint received 2024-01-22 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: GA

Complaint narrative:
Unauthorized hard inquiries! 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have had the Wells Fargo Bank for more than 10 years but have never set up any brokerage account with Wells Fargo. The hacker set up a XXXX account with wrong profile information under the saving account owner name, and transferred saving account money to this XXXX account and caused insufficient fund for this transfer process. Once the owner account was locked from the claim report to the bank on XX/XX/2023. During frozen period, This XXXX  account still have XXXX activity including non-frozen period. I did double-check the monthly statement of my savings and the XXXX ( XXXX ) accounts. All of the trade activity date was abnormal under my account was frozen period. 
All of the evidence from the Wells Fargo Bank can't identify this hack from the account owner computer because IP, XXXX, and location can't match what the Wells Fargo 's offered IP. It needs to invest further. 

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 2024-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent. XXXX XXXXXXXX stated that they are not reporting this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning incorrect personal information on my credit record. This information does not belong to me. I need this fraudulent information removed 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 non-monetary relief
Consumer complaint received 2024-01-22 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: TX

Complaint narrative:
Upon reviewing my credit reports from XXXX, XXXX, and TransUnion, I discovered that XXXX XXXX XXXX XXXX XXXX XXXX has reported as a collections account. However, when researching XXXX XXXX XXXX XXXX XXXX XXXX XXXX I found that they do not hold the required Third Party Debt Collector license from the Texas Office of Consumer Credit Commissioner as mandated by Texas Finance Code Chapter XXXX for debt collectors operating in the state of Texas XXXX 

As I am a rXXXX XXXX XXXX, any debt collection activity conducted in my state of residence must be done by properly state-licensed collectors according to the Texas Debt Collection Act. Since XXXX XXXX XXXX XXXX XXXX XXXX lacks the required state debt collections licensure in Texas XXXX I formally dispute this tradeline on my credit report and request that it immediately be removed. Reporting of illegitimate, disputed or inaccurate information to credit reporting agencies violates federal law, specifically the Fair Credit Reporting Act. 

Please investigate this disputed account from XXXX XXXX XXXX XXXX XXXX XXXX and remove it from my credit files immediately due to the lack of proper state licensure.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit reports from XXXX, Equifax, and XXXX, I discovered that XXXX XXXX XXXX XXXX XXXX XXXX has reported as a collections account. However, when researching XXXX XXXX XXXX XXXX XXXX XXXX XXXX I found that they do not hold the required Third Party Debt Collector license from the Texas Office of Consumer Credit Commissioner as mandated by Texas Finance Code Chapter XXXX for debt collectors operating in the state of Texas XXXX 

As I am a resident of Texas, any debt collection activity conducted in my state of residence must be done by properly state-licensed collectors according to the Texas Debt Collection Act. Since XXXX XXXX XXXX XXXX XXXX XXXX lacks the required state debt collections licensure in Texas XXXX I formally dispute this tradeline on my credit report and request that it immediately be removed. Reporting of illegitimate, disputed or inaccurate information to credit reporting agencies violates federal law, specifically the Fair Credit Reporting Act. 

Please investigate this disputed account from XXXX XXXX XXXX XXXX XXXX XXXX and remove it from my credit files immediately due to the lack of proper state licensure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: CO

Complaint narrative:
REQUESTED PAYOFF LETTER FOR AUTO LOAN PAID IN FULL ON XX/XX/2023. DMV REQUIRES TITLE ASAP! VEHICLE IS TO BE SOLD. THE BANK IS COSTING ME MONEY EVERY DAY THAT THE LETTER DOES NOT ARRIVE. 

PAYOFF LETTER WAS SUPPOSED TO ARRIVE NO LATER THAN XXXX BUSINESS DAYS AFTER PAYOFF. INFORMED THAT LETTER WAS SENT XX/XX/2023. LETTER DID NOT ARRIVE. REQUESTED FAX OF LETTER FROM XXXX IN CHAT SERVICES ON WED XX/XX/2023. NO FAX ARRIVED TO MY LOCAL XXXX, CO BRANCH. 

MADE XXXX PHONE APPOINTMENTS WITH XXXX XXXX TO GET UPDATES. MADE THIRD APPOINTMENT WITH XXXX XXXX SCHEDULED FOR XX/XX/2023 XXXX MST. HE NEVER CALLED.

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 2024-01-22 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: MI

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 2024-01-22 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-22 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: NC

Complaint narrative:
I was informed by my tax preparer that my personal information was lost/stolen by movers during a commercial relocation in 2020. I was advised that she made a police report and I should monitor my information going forward. I placed a fraud alert with credit report agencies. I recently pulled a copy of my report and noticed accounts that I have no knowledge of. The creditors include : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. I have no affiliation with these creditors and these accounts are not mine. Furnishing accounts to my credit profile due to identity theft is in direct violation of 15 USC 1681c-2. I've contacted XXXX, XXXX, AND TRANUNSION twice to rectify this solution requesting verification of these accounts. 

This information being furnished to my profile is affecting my ability to purchase a home. I also noticed credit inquiries being furnished from XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX. The inquiries were furnished without my knowledge or written consent which in violation of 15 USC 1681B. 

I also requested that addresses that are not mine, and names that are not mine be removed from my credit profile and I see that they are still being reported.

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