vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX AND XXXX # XXXX THEY HAVE VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-11-14 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 /

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In cfpb complaint XXXX I reported making timely payments on my Truist mortgage. They answered the complaint by saying my timely payments were applied to principal, and they were going to leave derogatory reporting against my credit. Please review this illegal practice. My online account where these payments were made were set up and established in their branch by their own assistant manager. She even made the XXXX payment for me!

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 2023-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
On XX/XX/2023 I checked the XXXX XXXX XXXX XXXX website regarding requalification for XXXX XXXX  assistance. Within my account was a notation stating that the XXXX XXXX XXXX XXXX was waiting on a response from XXXX. I reached out to Flagstar on XX/XX/2023 to inquire about Flagstar 's response. The customer service rep. Indicated she would " escalate '' it to the appropriate department. I'm not sure there was an escalation. 

In the pre-recorded message prior to speaking with a XXXX, it clearly states that I would have to choose which assistance I would prefer or want..As stated on the XX/XX/2023 call as well as in my previous complaint and many times verbally and now again here : I CHOOSE XXXX XXXX FUNDING OVER ANY OTHER TYPES OF ASSISTANCE. 

If I do not qualify, which will not be determined until after XXXX responds, then I will choose the partial claim. Attached is a screenshot of message left by the XXXX XXXX XXXX XXXXXXXX on my account indicating the need for XXXX to respond.

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 2023-11-14 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: OH

Complaint narrative:
I have been a victim of identity theft in the past and noticed a few accounts listed on my credit report that did not belong to me and were unauthorized. I don't have a contract with XXXX XXXX and did not consent to them having any of my personal information. Not only is this account fraudulent but it is also inaccurate, invalid, and incomplete and an unauthorized. These accounts are ruining my life and my reputation with the banking system. I need these accounts removed immediately. I have been getting denied for a mortgage and I really need this for myself and my family.

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 2023-11-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I received a letter from PNC Bank today, XX/XX/XXXX, stating " Here 's your NEW Prepaid Card! NOTE : your ACCOUNT ACCESS CODE is the last XXXX digits of your Social Security Number. USE the ACCOUNT ACCESS CODE to activate your card and obtain account information. Who sent this to me? I never asked for it. Somewhere later in the XXXX pages of information in the mail I received it said to call with the last XXXX digits of my SS number and the number on the XXXX Debit card which is XXXX XXXX XXXX XXXX with text " good XXXX XX/XX/XXXX and XXXX XXXX '' There was no information about me when I entered these XXXX items, ss and card numbers. So is this all just a scam to get more personal data on me by making me visit www.prepaidcard.com, giving my personal information, getting a pin in response. SCAM! Who gave me a prepaid card? How much is on the card, something or nothing, How can I tell without going through the entire process of activating a card I never asked for and do not want! Another text on one of the pages said to complain to CFPB and gave the web address as cfpb.gov/complaint BUT do a google search for the Consumer Finance and web address is not XXXX but XXXX  leading to more confusion and disbelief. Automatic voice response when you call the telephone nuber PNC Bank supplies in the letter and it talks about consumerfinance.gov Why 2 different web addresses?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Facts regarding Chase Bank improperly closing an attorney/client trust account. 

I called XXXX XXXX at Chase Bank 's XXXX XXXX XXXX in XXXX, XXXX  on XX/XX/XXXX, requesting the routing number and XXXX XXXX for my client trust account that I opened with Chase in XXXX. This account is XXXX I am required to have by the Colorado Supreme Court rules and XXXX which is exempt from fees for opening because it is mandatory for my profession. In Colorado, these types of accounts are called XXXX XXXX accounts ( XXXX  XXXX XXXX Account XXXX ). You can read more about it here : XXXX : XXXX I called XXXX XXXX a second XXXX on XX/XX/XXXX because I have an international client that wanted to make a retainer deposit, which requires I use my Coltaf account at Chase. 
XXXX days later, on XX/XX/XXXX, XXXX XXXX found the time to return my call and provided the information I requested. But when asked to pull up my account to confirm the account number, he could not locate it. So I emailed him the account information I was given when I opened the account and which is attached. 
Later today XXXX XXXX called to explain that Chase had closed the account. He had no explanation for why. Chase has never once contacted me to tell me the account would be closed. As a result, for at least XXXX years I have been representing to the Colorado Supreme Court that I maintain a client trust account at Chase, which I genuinely believed I did, when apparently - thanks to Chase 's crack customer service team- I do not. 
I asked XXXX XXXX to re-open it. He said he could not. I asked him to open a new one, and he asked if I had a copy of the trust agreement, which tells me XXXX XXXX has absolutely no idea what a XXXX trust account is. 
I would like the account re-opened please. Chase has no legal right to close a client trust account of a licensed attorney without notifying the attorney. 
Thanks, XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: PR

Complaint narrative:
We requested that the accounts for XXXX XXXX XXXX were closed in writing in XXXX, XXXX. We received a letter confirming that the accounts would be closed. We received a letter indicating that TD BANK failed to close account XXXX at the time requested. Please close the account as it should have been done in XXXX, and correct the balance to zero removing any of your invalid fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This is a request for information as well as notice of error. On XX/XX/2023 RightPath Servicing responded to my complaint. In their response, on page 2 paragraph 2,3,4 and 5 RightPath Servicing quotes information found in my master insurance policy and states page 82, section A.2. states that building does NOT include any personal property within the individual units or limited common elements except as provided in Paragraph A.1.f of this endorsement. Then goes on to describe permanent attachments/fixtures to the structure such as electrical fixtures, built-in cabinets and countertops and appliances etc. as being personal property. 
ANY permanently affixed fixtures, cabinets or wall & ceiling coverings ( paint ) and floor coverings ( carpet etc ) would NEVER be considered personal property in ANY type of insurance policy. 
I am not sure where XXXX learned that what she has described as personal property is considered such but I am requesting the documents she has relied on to make such a claim. 
It appears the response letter is a mix of language found within the policy and the letter provides no nexus to the claims made that these described features/fixtures of the condominium fall under personal property and are not covered by the All-In proof of insurance I have provided. Page 82, section A.2 and Paragraph A.1.f are mentioned but not provided to show that 1. These features/fixtures of the condominium are considered personal property and 2. These fixtures are not covered by the insurance policy. 

Please respond promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This communication serves as an additional assurance that certain items, identified as potentially fraudulent, will be removed within the forthcoming 15 days. I have diligently monitored my credit reports and, while I appreciate the removal of some fraudulent entries during the previous update, I am scheduled for another update in 15 days. I hope that further deletions of the remaining fraudulent items will be effected at that time. In accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX, it is mandated that the Credit Bureaus expunge any items listed on an Identity Theft Report, specifically Report # XXXX. The items in question are detailed below for your reference : EXPERIAN : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$37000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH 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 2023-11-14 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: TX

Complaint narrative:
I have requested XXXX XXXX XXXX XXXX  to remove their furnishing report that is still on my credit reports ( excluding XXXX ). They have continuously failed to report to the remaining XXXX major credit bureaus to remove the incorrect information that was in result of identity theft, regardless of the providence of an FTC report, legal identifying documents, and even after a police report was filed and a copy of the card ( which includes the officers signature, badge number, date, and case number ). 

I have previously filed a complaint and the response was unsatisfactory as they requested information to process my request, but gave me no sources to submit such information. Therefore, I am submitting my request again, alongside the request documentation.

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 2023-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing you FOR THE XXXX TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. 
I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. IF YOU CAN NOT PRODOCE THESE DOCUMENTS Please DELETE these Inquires from - XXXX XXXX - XXXXXXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX XXXX XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is XXXX XXXX XXXX please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MA

Complaint narrative:
Every month a XXXX XXXX wires money here to my XXXX XXXX account XXXX of XXXX XXXX, TX. It has been done for many years on the XXXX of each month, arriving generally in my US account around the XXXX of the month. Redacting this we are now the XXXX of the month and nothing yet. Did contacted the XXXXXXXX XXXX XXXX and they went through the process to see of any errors, but nothing. 
Have to inform you that International wire transfers to XXXX XXXX have to go through MELLON Bank in NY. Never did I have any issue with the Bank wire transfer. 
I need that money urgently because I have huge medical bills following XXXX XXXX XXXX, XXXX, and now XXXX XXXXXXXX XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
A fake company posed as XXXX and got my information to charge my card for a utility bill that was due. The amount was supposed to be {$100.00}. They charged {$220.00} on XX/XX/23. Made a claim with my bank but their investigation determined there was no error, but it was a fraud charge.

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 2023-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bright Capital Inc
State: TX

Complaint narrative:
Ive used this company before with no issues recently my withdrawal limit was decreased I needed the money for an emergency and for XXXX weeks and XXXX request no results each agents states the same thing the issue will be fixed and if I ask for a manager there will keep on hold for long periods of time and disconnect the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I sent the attached request to XXXX and Affirm and they have not responded or corrected the amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Before all of this, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. I am filing to formally dispute the information contained in my credit report, specifically regarding the accounts below. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of these accounts being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. Please remove the negative status and late dates of these accounts XXXX XXXX XXXX XXXX/NELNET XXXX XXXX XXXX XXXX XXXX/NELNET XXXX, XXXX XXXX XXXXNELNET XXXX, XXXX XXXX XXXX/NELNET XXXX, XXXX XXXX XXXX/NELNET XXXX, XXXX XXXX XXXX/NELNET XXXX, and XXXX XXXX XXXX/NELNET XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I applied for a XXXX XXXX XXXX credit card on XX/XX/XXXX and was denied by Wells Fargo. As per 15 U.S.C. 1691 ( a ) ( 3 ) it's illegal to discriminate against any applicant with respect to any aspect of a credit transaction. I have attempted numerous times in a private setting to resolve these issues with Wells Fargo. I have sent an Adverse Action letter, two ( 2 ) Notice of Default & Opportunities to Cure, and three ( 3 ) Bills of Particulars. All signed by me, notarized and sent via certified USPS, w/ return receipt.

Wells Fargo has been complicit in breaking the law and I have been forced to submit a complaint in AZ District Court. 
On XX/XX/XXXX I will be submitting the complaint, unless Wells Fargo responds to my demands & complies with federal banking & consumer law. 
This is my third CFPB complaint & nothing has been done on Wells Fargo 's end.

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 2023-11-14 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: AZ

Complaint narrative:
XXXX has put information that is considered income, also after requesting validation no information was given of who they spoke to, time and date of inquiry. I asked for the address that were incorrect to be deleted and they did not. It is illegal to put negative inquiry, XXXX has continuously violated USC 1681 WITHOUT REGARD for the consumer. Numerous aliases are showing after requesting only one name to be shown.

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