vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo has added an appraisal fee after initially waiving this fee ; this has increased the cost of the loan, and added potential delays to closing, at a time when it is too late to change to a competitor bank. This is a classic " bait and switch ''. 

I applied for a home mortgage loan through Wells Fargo- and from a selection of other banks- on XXXX XX/XX/year>. In my initial application, I provided my home closing date, and the date when I would start my new job ( approximately XXXX weeks after closing ). At that time, Wells Fargo waived the appraisal fee, which was a substantial savings and was a material reason why I chose Wells Fargo as my lender. I proceeded providing documents for weeks to secure the Wells Fargo loan. On XXXX XXXX, I was informed that the appraisal fee was going to be added back to the loan costs ; neither the closing date or my job start date had changed. It is now too late to switch to another bank, and the delay in arranging an appraisal threatens the closing date.

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 2024-07-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/15 I tried to make a purchase with XXXX XXXX for {$23.00} with my Bluebird card. The purchase was declined. I did not have enough funds for the purchase. I adjusted my cart and tried to make a purchase within the amount of funds that I have. Bluebird put a hold on my funds for {$17.00} ( all the funds in the account ) saying XXXX XXXX has my funds in a hold status. I did not make or try to make a purchase from XXXX XXXX for that amount. I called XXXX XXXX and was told there was no hold put on my account for any amount by XXXX XXXX 

I called Bluebird and they said there is nothing they can do and my funds would be held for up to 30 days. 

Bluebird has done this two other times saying that vendors put holds on my account for transactions for bogus amounts, but when contacting the vendor there was no charge or hold put on my account for the amounts that were held. 

In XXXX there was a charge with XXXX XXXX. The room charge and the deposit were released the day we checked out. Bluebird held {$70.00} for thirty days. The agent XXXX at the XXXX XXXX investigated and contacted Bluebird. XXXX did not hold or charge my account for the amount that was held. The monies were reversed in XXXX 30 days later. 

In XXXX Bluebird did it again with a charge with XXXX XXXXXXXX XXXX holding {$57.00} which was not the amount of the room charge or the amount of deposit/incidentals. Again Bluebird said XXXX XXXX had the funds in hold status. After contacting XXXX XXXX there was no charge or hold on my account for that amount. All holds for deposits had been released at the time of checkout. All room charges had been released on the day of check in. 

Bluebird has a pattern of submitting bogus charges that were not originated or held by vendors I am doing business with, and holding the funds for 30 days. They are deceptive in their practices and explanations as they are unyielding when requests for the funds to be released are made. These are all bogus transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is charging to view your credit score. They give your information to everyone except you, make secretive rules, are largely unaccountable for breaches and bad practices, they charge for services to monitor the information they sold, and now they want to charge us to simply view our super special top secret score?? Is anyone out there trying to protect us??

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 2024-07-15 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: DE

Complaint narrative:
I am writing to file a complain against ( Equifax credit services ) for their failure to remove a fraudulent account from continues to remove fraudulent account from my credit report. 

I have filed a dispute on XXXX for credit card XXXX XXXX XXXX  account that was open by me being a victim of identity theft. Equifax investigated dispute removed the account from my name on XXXX, but then reported it back on credit report after their investigation and they removed it. FTC COMPLAINT was filed and provided to EQUIFAX CREDIT SERVICES to assist with dispute. I have disputed this same account with my stance being the same IT WAS NOT ME WHO OPENED THE ACCOUNT SOMEONE ELSE DONE IT THAT I DID NOT KNOW. Equifax or company has not showed, or provided me with any proof showing I am liable for this account but continues to report on my credit report. 

This fraudulent account is damaging my credit score and could make it difficult for me to obtain loans, rent an apartment, or secure other forms of credit. I request the CFPB to investigate this matter and instruct EQUIFAX CREDIT SERVICES to, IMMEDIATELY remove the fraudulent account from my credit report and provide me with a copy of my updated report showing the removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: NC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of an item from my credit report due to the charge-off status. The details of the account in question are as follows : - Account Number : Unknown - Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX - Amount : {$15000.00} According to my records and under relevant federal and state laws, a charged-off debt is no longer my responsibility, and as such, it should be removed from my credit report. Specifically, the Fair Credit Reporting Act ( FCRA ) and other applicable laws dictate that inaccurate, incomplete, or unverifiable information must be corrected or deleted from my credit file. 

I have verified that the debt has been charged off by the original creditor, and therefore, it is no longer a collectible debt by your agency. Furthermore, the presence of this charged-off item on my credit report is causing undue harm to my credit score and financial standing.

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 2024-07-15 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The negative rating on my account is a source of great distress. I'm extremely concerned about its effects on my credit standing. It has already led to the rejection of a recent loan application and higher interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until this matter is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
Good Morning ; During a background check this information was provided as my past residence, I have never lived on those addresses ; Im concerned that someone is using my identity, please let me know the procedure to follow up and correct it. 
Thank You. 
Down below I copy the information that is not mine Address XXXX XXXXXXXX XXXX XXXX, MI XXXX Addr Type Former Address First Date XXXX XXXX XXXX Last XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Type Former Address First Date XXXX XXXX XXXX Last XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Addr Type Former Address First Date XXXX XXXX XXXX Last XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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:
I am filing this complaint personally. After examining my credit report, I noticed late payment entries. I sent correspondence to the relevant parties more than 30 days ago, but have received no reply, nor have they adequately verified these entries. I am seeking your help to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received notificartion from XXXX that my information was compromised when they were hacked. XXXX included a link for a free subscription to Experian, which I subscribed for. 

In my recent credit card bill, I was charged {$24.00} by Experian for services. I attempted to contact them several times and each time was disconnected by their automated system. 

Their system set me up with a recurring {$24.00} per month service when I requested the free service. I have since gone in and changed the account to free. 

This is a con by large companies. They get hacked and the only thing that the people receive is a monitoring service for 1 or 2 years. And then the service they contract with uses methods to charge people for the service. 

These large companies should be required to pay restitution to those whose information they hold. 

Thank you, 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 2024-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of an item from my credit report due to the charge-off status. The details of the account in question are as follows : - Account Number : Unknown - Original Creditor : XXXX XXXX XXXX XXXX XXXX - Amount : {$15000.00} According to my records and under relevant federal and state laws, a charged-off debt is no longer my responsibility, and as such, it should be removed from my credit report. Specifically, the Fair Credit Reporting Act ( FCRA ) and other applicable laws dictate that inaccurate, incomplete, or unverifiable information must be corrected or deleted from my credit file. 

I have verified that the debt has been charged off by the original creditor, and therefore, it is no longer a collectible debt by your agency. Furthermore, the presence of this charged-off item on my credit report is causing undue harm to my credit score and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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:
On XX/XX/year>, someone tried to open a XXXX XXXX  Account with my information. I immediately notified XXXX, my credit union, and alerted the XXXX major credit monitoring services and froze my credit. I'm applying for a loan and I needed to unfreeze my accounts. I was able to do this with ease with XXXX and XXXX, but when I went to Experian it told me first that my phone number didn't match, then it kept saying it sent a code to my cell and it never came, then I had it call my phone and it never came. Another screen I tried said my birthdate didn't match my social. So I tried to call three different phone numbers to try and talk to a human, but I kept getting caught in the " report a fraud '' automated loop. I want to reclaim my information from whom ever has stolen my Experian information, but there is no information found easily on the Experian Website on what to do if your Experian account was hacked and stolen. 

It looks like this is becoming a common problem for people too. Please help. 
https : 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX I got the service of Equifax so I could monitor my report and credit score monthly from the XXXX credit reporting agencies for {$19.00} a month, Since then I have contacted Equifax numerous of time to complain about not getting the service I'm paying for the keep telling me they're going to stop withdrawing from my account every month and they are going to reimburse me and nothing on XX/XX/XXXX Equifax when in my account again. they are only sending me one report out of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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 pulled my credit reports and saw some information I can not verify so Im requesting that you investigate the accounts listed below. Please see details on specific reasons Im challenging these accounts by taking a look at the files I uploaded, which include my dispute reasons and supporting documentation. I am requesting that you send this dispute directly to the furnisher

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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:
I am filing this complaint personally. After examining my credit report, I noticed late payment entries. I sent correspondence to the relevant parties more than 30 days ago, but have received no reply, nor have they adequately verified these entries. I am seeking your help to address 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 2024-07-15 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:
I am filing this complaint personally. After examining my credit report, I noticed late payment entries. I sent correspondence to the relevant parties more than 30 days ago, but have received no reply, nor have they adequately verified these entries. I am seeking your help to address 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 explanation
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Received an email on XX/XX/2024 that a Capital One Quicksilver credit card was opened and card was shipped. I did not apply for or open this credit card. I called CapitalOne immediately, they closed the account and have opened an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: CA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-07-16 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
I have consistently tried to resolve the fraudulent, incorrect, and deceptive information on my consumer report, but the problem persists. These entries have severely affected my daily life, resulting in substantial emotional distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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