vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 2023-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Mr. Cooper Company increased my monthly mortgage payments by more than {$300.00} a month, justifying that my tax and insurance premiums went up and that they needed to add more funds to my escrow account. I have yet to receive any written notification regarding this increase. I discovered that by chance when I was navigating through my online account. Mr. Cooper also failed to pay my 2022 taxes on time out of the escrow account, leading me to receive a foreclosure warning letter from the City of XXXXXXXX. I contacted my local city tax office and found that my tax rates stayed almost the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have had an account with 5th/3rd bank for a number of years ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX ) and recently have had issues with them holding deposits for an excessive time. First time that happened was a check from retirement over {$10000.00} which I understood a hold even though that caused a sever hardship. This time they are holding a {$3700.00} deposited to account number XXXX that was processed on XX/XX/XXXX. I placed a call to their consumer services number ( XXXX on XX/XX/23 ) and they have stated that the Federal Reserve has put a hold on my check and that there was nothing they could do about that. That I have learned is not true at all from the Federal Reserve. I currently work for a company in XXXX and actually worked for them before the pandemic and used this same institution but eventually was laid off due to XXXX XXXX. I am now back for working for the same company and I deposited my first XXXX ( live ) check thru a XXXX deposit without issue ( XX/XX/XXXX for {$3800.00} and XX/XX/XXXX for {$1800.00} ). This last check processed on XX/XX/XXXX is being held until XX/XX/XXXX and has put me in a hardship position for paying my bills on time. How can I count on the fact that as soon as my direct deposit starts ( probably next week ) will not have a hold placed on it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Paramount GR Holdings, LLC
State: LA

Complaint narrative:
Goodleap has issued a loan under my name that i never applied for. Goodleap has placed a Lien on my property for a loan I never applied or received funds for. 

Loan amount {$45000.00} Notice Date XX/XX/XXXX  GoodLeap www.goodleap.com ( XXXX ) XXXX Goodleap XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
* We purchased home XX/XX/ *Purchase price {$110000.00} *Original loan company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo  *During the XXXX XXXX XXXX was the servicer, I filed XXXX XXXX Bankruptcy. I was in Bankruptcy for 5 years * Bankruptcy was completed and discharged *Mortgage payments were paid through the bankruptcy plan for 5 years *After I completed the XXXX XXXX  plan, I refinanced the mortgage loan for a lower interest rate *The payoff balance that XXXX dba Wells Fargo gave XXXX XXXXXXXX XXXX for payoff was {$97000.00} which was the incorrect amount XXXXXXXX XXXX sold the loan to XXXX XXXX and XXXX sold the loan to XXXX XXXX * I now have an FHA loan and have lived in my home one for 18 years XXXX XXXX  shows my current loan balance as {$94000.00} *We have paid more than {$6000.00} in principle and interest in 18 years *Due to a major clerical error, we are paying this mortgage twice *I have tried to resolve this error with the mortgage company with no avail. 
*My bankruptcy record needs to be pulled to compare the total amount paid through bankruptcy to XXXX verses the ending balance when I completed bankruptcy and refinanced with XXXXXXXX XXXX. The mortgage balance was incorrect by thousands. 
*Clerical error occurred during my bankruptcy payments to XXXX and Wells Fargo

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 2023-09-07 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: GA

Complaint narrative:
I hereby dispute the accuracy of the account information on my XXXX XXXX XXXX XXXX closed account as of XX/XX/2023. I believe that certain refunds related to warranty, maintenance, and other services are missing from my account, which is in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


In regards to the total loss of my vehicle, which was financed through XXXX XXXX XXXX XXXX. As part of my financial arrangement, I had purchased ancillary products, including extended warranties and maintenance plans, which should have entitled me to refunds or adjustments in the event of a total loss, in accordance with federal laws and regulations. 


Upon reviewing my account, I have identified discrepancies and missing refunds for the following products and services : Extended Warranty : According to federal regulations, refunds for unused portions of extended warranties should be provided in the event of a total loss. However, I have not received any information or refunds related to the extended warranty on my vehicle. 


Maintenance Plan : Similarly, federal statutes require that unused maintenance plan services be refunded in the event of a total loss. I have not received any communication or refunds related to the maintenance plan I had purchased. 


GAP Insurance : Additionally, I had purchased GAP insurance through XXXX XXXX XXXX XXXX to cover any deficiency between the insurance settlement and the outstanding loan balance. I would like a complete and detailed breakdown of the GAP insurance coverage and its application in my case. 


I kindly request that XXXX XXXX XXXX XXXX thoroughly investigate these discrepancies and provide me with a detailed account of any refunds or adjustments owed to me as a result of the total loss of my vehicle. 


Furthermore, I expect that any inaccuracies or omissions in my credit report pertaining to this matter will be promptly corrected in accordance with the FCRA. Please provide written confirmation of the actions taken to address these issues and ensure that my credit report accurately reflects the status of my account. 


I appreciate your prompt attention to this matter and expect a timely response within the legally required period of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
Realized that I was a victim of identity theft on XX/XX/XXXX. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/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 2023-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I got medical treatment on XX/XX/2023 and I paid my expense from my XXXX account ( XXXX issued check on XX/XX/2023 ). I got several notification from my provider that my expense is past due and I contacted XXXX account and got the copy of check and sent it to the provider in accordance with provider 's request. It seems like XXXX issued check to the doctor not to provider ( XXXX XXXX ) and the provider is now trying to locate my payment with contact to the doctor. But in the middle of this, I got the notification from you that I owe you {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, has 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 an 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 2023-09-07 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:
In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, has 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To Capital one 360 Investigation numbers XXXX AND XXXX I'm very upset that my claims were denied. I was trying to get XXXX on my tv and called what I thought was XXXX. The guy who called me XXXX XXXX had me do all this stuff on my phone and sure enough he got XXXX on my tv. The charge was XXXX. He was polite and respectful. Than he had me go to XXXX and type in XXXX. I questioned this but he said they had to verify my account. At this point I trusted him cause he got my tv working. Than he had me go to XXXX and put in another XXXX. I was getting very suspicious at this point and he said XXXX XXXXXXXX we have to put the money back in your account. Once that was done he hung up on me. I tried calling back several times no answer. This man was a scammer who took advantage of a XXXX XXXX XXXX woman on SS. I am very very upset. Im not on top of technology and never never agreed to this. There are XXXX XXXX charges to a guy XXXX. If I dont get money back for this I will never use capital one again and I will go a step further. I trusted capital one. I have credit cards with you than decided to open a checking account. This is outrageous and he was so smooth. I hope we can resolve this. I.cant even pay my mortgage. 
I look forward to your response. Ty Sent from XXXX XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Can not log into Venmo. Changed password, reinstalled app. Wrote company they said wait 24 hours still having same issue. Can't stop payments, see balance, send money for over a week..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
My name is XXXX. I took out a payday loan last year to get me caught up on some bills that I was behind on in the process. I ended up losing my job and I went to jail. I was incarcerated, and when I got outs I received a call from some private investigator, telling me the companies planning to move forward to press charges And I told him that I was homeless I recently been evicted from my home Im not working and I wouldnt be able to make a payment. They were trying to make me give them XXXX within 24 hours to XXXX I already dont have to my name Ive been being harassed Ive been being threatened that they will take me to court etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: NV

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: WA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
The balance of my Citibank account is currently not accurate. I have noticed that when there are pending transactions, they are being deducted from my available balance at the time of the transaction. However, these pending transactions are then deducted again from my subsequent deposits. Despite contacting Citibank and being informed that it would be fixed by the following morning, three days have passed and my account balance is still incorrect. Furthermore, I have observed that pending transactions are being posted a week later than their actual transaction dates.

This is not the first time I have experienced such issues with my Citibank 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 2023-09-07 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 2023-09-07 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: MI

Complaint narrative:
I used XE service to transfer money from US $ to INR to help pay for a house being build in XXXX. 
First transaction made on XX/XX/2023 REF # XXXX for {$15000.00} dollars. On XX/XX/2023 information was updated that Money was transferred to XXXX and processing to fund the receiver. I funded XE transfer via my XXXX account ACH. 

Meanwhile, I made a second transaction on XX/XX/2023 with reference # XXXX for another {$15000.00}. This time I wired this amount to continetnal exchange solution ( XXXX XXXX XXXX ), from my XXXX account. I received the update that fund are on their way on the same date. 

I had been calling them everyday since XX/XX/XXXX about the status of the transfer. Finally on XXXX they told me that the money was not accepted by the receiver and are refunding it to me. With that regard the XE online account showed that FUNDS from XXXX have been received back to US. On XXXX, I received {$15000.00} refunded to my bank account via ACH. However since that XXXX, the second transferred amount of {$15000.00} did not get refunded. I have been calling them everyday morning, they tell me new infomration that I should wait 4-10 days. I wait over few more days, on the XXXX they told me that one of the refunds did not make it, so they refunding again. Today is XX/XX/XXXX, yesterday in my call they asked me wire to XXXX does not work, so give your bank routing and account number for the transfer. To this day, XE kept my money ( since XX/XX/XXXX ) and has not provided me proof of refund. PLESE HELP and SHARE TO OTHER CONSUMERS OF THIS FRADUALANT PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have emailed XXXX XXXX back in XX/XX/XXXX a written request Via email to fix a False reporting. 
My loan XXXX was paid off in XX/XX/XXXX This company reported me late on my mortgage payment of XX/XX/XXXX In XXXX of XXXX I have made a written request via email as instructed by the customer service I called at XXXX. I have received acknowledgment via email that they are working on it. 
XX/XX/XXXX, they acknowledged the mistake. 
It is XX/XX/XXXX and this has still not been fixed, this false reporting has had a determinatal effect on getting loans! please help

Company response to consumer: Closed with non-monetary relief