vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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:
On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated

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 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
Hello, My issue is getting in a payment for fees, and the start of the process. Since the begining miscommunication, and now that the final fee they sent is owed. I sent in an ACH payment on XX/XX/. The payment was not processed. XXXX XXXX is now telling me that my bank is to notify them when a payment has been made to their company. This makes no sense as they are requesting the payment. They did not process or did anything for weeks about my application. Then once they moved on the loan the terms for their XXXX  program changed. I was then put into a program, where I was put under pressure to sell my home quickly and since rates were fluxuating it took a minute to sell. Then on top of it, I was charged rent, fees and XXXX. XXXX for move in fees. The XXXX stated that was only a deposit, if damages were incurred while moving in. I paid that fee and now I am being charged for it again from this company. I feel this is just a fee, and when I mention to the XXXX team about it. They just said those are fees incurred. This company now is asking for the fee of XXXX. I emailed and mention to them. I paid it and used their XXXX form. There now saying the bank needs to notify them. I feel this company is just making it very difficult to work with. I am very frusterated as it seems they do not know what they are doing. They should not be listed in XXXX XXXX if they can not provide a service correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: NY

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 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 2024-01-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I intended to pay my XX/XX/2023 mortgage payment with XXXX XXXX XXXX. 
However, inadvertently, my assistant XXXX XXXX sent my monthly payment to the incorrect bank acct ( my bank acct at XXXX XXXX in error ) : ( The only way we realized this was when I received a text on XX/XX/2023 from credit agencies such as XXXX stating over 30 days late with my XXXX XXXX payment. 
I went to XXXX XXXX right away on XX/XX/2023 and asked what happened to the payment. She found that unfortunatly she sent it to the wrong bank. This was completely human error, we never intended to be late. All of the past payments were on time. 

XXXX and I called XXXX immediately to have them take the payment over the phone and they did so. 

We also made numerous calls to XXXX XXXX XXXX for help in repairing my credit score.. 
And they said write a letter. I also requested a payment History from XXXX and it took a long time for XXXX to send to me.. to show on time always except for the XX/XX/2023 payment due to human error, money went to wrong bank I sent a a couple of letters to XXXX explaining all as well as sending statments showing the money leaving my XXXX XXXX acct on XX/XX/2023, going to my XXXX XXXX acct rather then XXXX... 
Unfortunately, XXXX came back with no help to me after 30 days. They will not remove the negative late reporting to repair my credit. 

Due to the above, Transunion as of today has my credit score XXXX points below what it was in XX/XX/2023 XXXX however, repaired my credit score to what it was in XXXX 2023 I am attaching the XXXX XXXX XXXX  Mtge payment history on this complaint. 

Please help me. My credit score should be repaired this was unintentional Thank you 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 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diverse Funding Associates LLC
State: CA

Complaint narrative:
On XX/XX/2024 XXXX at XXXX XXXX XXXX XXXX contacted myself and my sister within 5 minutes of one another. She answered his call where he discussed my debt and sensitive information over the phone while harassing her and violating code 805 ( b ) of the Fair Debt Collection Practices. Also, the debt collector on this account is listed as DNF ASSOCIATES LLC, which is not the company that was calling me. This is violating accurate credit reporting. I called XXXX back and he confirmed on a recorded line that he called my sister and said I could no longer contact XXXX XXXX but only him. 
Phone number : XXXX Associate : XXXX Calls : XXXX PST, XXXX EST, XXXX PST.

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 2024-01-03 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being. 

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.

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 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On the morning of XX/XX/2023 I woke up to an email stating unusual activity on my debit card. Upon checking my online banking app I discovered that {$5000.00} were missing from my Savings Account. Immediately after discovering this I contacted Wells Fargo through their customer service number. Followed all the steps instructed which included closing both my Checking and Savings Accounts as well as open new ones and transfer the remaining funds to them. A Claim Inquiry was made that same day here 's the claim reference number XXXX I was contacted after the investigation was done and was told that the money that was withdrawn totalled to 3 different transactions. I was credited with the sum of {$2000.00} for one of the transactions but was told that a new claim case was made to further investigate for the other transactions. Here 's the 2nd Claim Inquiry XXXX upon getting an email from one of the Associates at Wells Fargo I was instructed that they needed to have a word with me, I got this email on Friday XXXX the XXXX of 2023 at XXXX XXXX. Minutes has just passed after I received the email when I reached out to them trying to get some closure on my inquiry but have since failed to do so and tried since then to get a hold of XXXX XXXX. XXXX but had had no luck doing so I left multiple voicemails but haven't heard anything back yet.i took it upon myself yesterday and called the Claim Inquiry Department that specializes in this cases and was told that the case had been closed since they couldn't gather enough evidence to support my claim. 
I really hope you are able to assist me with the matter in hand as that is hard earned money that I wish to get back. Only reason I have the money in the bank is for that sense if security but now that trust and safety has been broken. 

Thank you for your time. 

Best Regards 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 2024-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My account was closed because of business decision, that's what I was told. They denied to talk to me at the beginning but after I told them that I was contacting you they answered by saying that I have to contact my other bank and get request to get my money. My other bank told me to contact you. I just want my money back. The amount is {$1800.00}. I don't want business with them either. Please help me. I don't have any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/2024 I attempted to transfer {$75.00} from my Venmo account over to my PayPal account. The Venmo service initially would not execute the transfer, stating that the transfer had failed and saying lets try this again. 

I should state, I am a new customer to Venmo. I carefully followed all of their requests during the process of opening my account to verify my identity. The account was opened, and they did accept a deposit from a friend of mine. 

After making several attempts without success, I contacted the customer service department to figure out what was wrong. While I was on the phone with the customer service representative, I received an email from Venmo stating that my account has been frozen, and demanding I send a photograph of my drivers license to them. I did this, and asked the customer service representative on the chat what they had done to freeze my account, they stated nothing. I was told to follow the instructions in the email, and that my account would be unfrozen quickly. I did so, and the account was not opened. A couple of hours later I reached out to their customer service department via phone to the request the account be opened and money transferred, they stated that they could not transfer the money, nor could they offer any explanation as to the exact reasons why the account was frozen in the first place. They also refused to give a reasonable timeframe as to win the account might be opened, only stating a rather vague 7 to 10 days. I explained to the customer service representative that they could not simply kidnap my money for over a week without giving me any reason whatsoever, and I was told that I would just simply have to wait through the process and that they would release my money to me when they could. 

At no point have I been given a good explanation as to why the account was frozen, nor an acceptable timeline for when it would be opened. Taking money from people and not allowing them access to it is theft. Venmo should be fined and forced to give me my money back immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 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: GA

Complaint narrative:
this account has been on and off my credit report. i called XXXX XXXX account # XXXX XXXX several times to let them know this was a fraud i also sent them the police report. They are continuing to put this on my report every year. please have it removed 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 2024-01-03 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: FL

Complaint narrative:
My information has been leaked in recent data breaches and my information may have been used fraudulently without my permission. The following are discrepancies that were found on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Amount : {$440.00} # XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Amount : {$340.00} # XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX 

# XXXX. XXXX, XXXX. 
Amount : {$310.00} # XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$5900.00} XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I have a XXXX XXXX loan that I am attempting to repay, which was originally disbursed in XX/XX/XXXX. The loan was provided by XXXX XXXXXXXX XXXX XXXX ( XXXX ) and serviced by ECSI. I began making payments on the loan until the onset of the XXXX pandemic, at which point it was placed in an administrative forebearance. Now that federal student loan payments are no longer paused, I reviewed my amount due and found it to be a far larger amount than expected ( over {$1900.00} ). In reviewing my monthly statements, it's become clear that ECSI continued to charge interest on my loan during the XXXX pandemic loan payment pause from XX/XX/XXXX to XX/XX/XXXX. Under the details provided on studentaid.gov ( https : XXXX ), I believe ECSI has been charging interest in error. 

My goal is to make a timely payment on this loan, but I feel I've been charged interest in error. I've spoken with both XXXX and ECSI multiple times. Both parties indicate that they are not responsible for the loan and therefore they can not make changes to the loan itself, leaving me with no possible options for resolving this issue outside of paying for the interest that I feel is predatory and illegal, given the federal policy around federal loans during the pandemic. I've spent many hours on the phone attempting to reach a supervisor with no success. 

I am in the process of waiting for a supervisor 's call from ECSI. The reference number for this call is XXXX. The woman I spoke to at ECSI is XXXX. 

Further, I've requested from both XXXX and ECSI documentation to show that ECSI attempted to notify me that interest would be charged during this time in lieu of the federal pause. They have not been able to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase XXXX XXXX XXXX XXXX XXXX XXXX checking account was closed some time around XX/XX/XXXX, which is also when Chase allegedly sent a letter to my home address detailing why which I did not receive. I requested another copy of the letter to be sent which was not approved. I waited around a month for the check to be sent before receiving no communication which prompted me to call them. The account funds total {$46000.00}, but Chase said that they will not send them to me until they verify XXXX checks from which I received the funds of 4 customers from. They asked me to provide the contact information of the 4 customers which I did on XX/XX/2024, but they claimed that the phone numbers I gave were not verified despite me directly obtaining them from the customers/check writers. On XX/XX/XXXX, I called the company 3 separate times and each time I spoke to an associate, when I raised the issue of them being vague about the verified numbers and how it does not make sense why they can not just contact the numbers I gave, I was hung up on all 3 times which led me to file a complaint. Furthermore, Chase has already deducted the money from all XXXX checks so they have all been cleared. For the documents I have attached, they include the customer business name or personal name, contact information, check amount, and a picture of the check written to my company. Because these checks were deposited online, I unfortunately can not send a receipt because Chase has blocked my access to online banking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a statement from BMO for an account I did not open. I immediately called them ( XX/XX/XXXX ) and asked them to closed the account. They assured me all accounts would be closed. On XX/XX/2024, I received another statement. I called again and they would not tell me if the account was open or closed or any other information about the 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 2024-01-03 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: CITIBANK, N.A.
State: AL

Complaint narrative:
In XXXX I sent Citi Card a correspondence requesting opt out per 15 USC 6802 Citi Never responding and continues to violate my Federally Protected Consumer Rights.

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