vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In XXXX, I became legal conservator for my Mother. She had a credit card account with Wells Fargo that I quickly paid off and with the final payment, directed them to close the account. Fast forward til now, they have not closed the account. I received a statement in XXXX with a fraudulent charge. I called them on XXXX to report the fraudulent charge and told them the account was supposed to be closed. I later received a text message that I had not paid the bill. Then, another statement with the fraudulent charge and a penalty for late payment. I called them again on XXXX. They told me they could do nothing because I wasnt on the account. They want to add me to the accountI have concerns about my liability if added to the account which should have been closed in 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 2023-11-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-30 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: NC

Complaint narrative:
- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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:
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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-11-30 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: LA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
In the last CFPB complaint XXXX. I asked this company for very specific information, which to date has still not been provided. 

I am requesting an actual physical transactional statement of all loans and transactions both successful and declined, which as an organization should not be taking this long to provide!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Global Lending Services LLC
State: TN

Complaint narrative:
I did not authorize OR grant my permissible written or verbal consent to Global Lending Services to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately remove the hard inquiries from my credit report. I never intended to do business with your company and never authorized the use of my SS # or any other personal info to be used by Global Lending Services or any of its partners.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: DHI Mortgage Company
State: VA

Complaint narrative:
I was told my debts would be paid off with the XXXX I gave in addition to XXXX down.. 
Now they are saying they used the entire XXXX for down-payment and closing costs. They delayed closing for a month causing me to be homeless for a month ... over XXXX in hotel costs extra moving and storage fees XXXX .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-11-30 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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I submitted complaint and the rep put in wrong personal information which made it impossible to follow up on because the other rep said identity problem. So that's what stopped me from providing what was needed to follow up. It's ok. They got me again and are allowing federal benefits to be garnished which is prohibited as well as bogus withdrawals posted days later from original as duplicate withdrawal. But no different than the other complaints filed nothing done and others not followed up on. Just wow. I don't even see this importance of this branch. Still leaves the consumer with no voice. Un believable to say the least. I'm disgusted because I was also told fdic handles this and not cfpb. Credit reporting agency keeps hanging up and won't follow guidelines set and make it impossible to even get through to a rep. Major problems in a consumers life just to be left with no rights as guaranteed by law of the land. I guess I will just try to cash out this business account wells Fargo opened without my knowledge. Just with one days there is at least a couple hundred thousand for that one day according to my check log provided to me for them to deny. I have proof from conversations with reps. System won't allow me to change phone number. Besides. The company keeps disconnecting after 2 weeks of being paid. So, no phone. But they sure be all on my darn credit report illegally

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 2023-11-30 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:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift 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 2023-11-30 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: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
Received our Annual Escrow Account Disclosure statement from our loan servicer, Lakeview Loan Servicing , LLC on XX/XX/XXXX. After reviewing it we came to find that they grossly misjudged the projections for our school taxes for XXXX. They projected our school taxes would be {$120.00} when actually it was {$2600.00}. They were increasing our monthly payment to collect the escrow shortage of {$2700.00}. 

I called our loan servicer, Lakeview Loan Servicer ( XXXX ), on XX/XX/XXXX to try and make the escrow shortage payment in full. When I called their was an automated message stating the company has been hacked and they have no access to our personal information. When I finally spoke to a representative she had no idea when customers would be notified of the hack and could not access our loan. 

Since XX/XX/XXXX I have not received any official notice from the company that their has been a data breach. There is no way to access our loan online to make payments, and no one answers the phone. 

On XX/XX/XXXX at XXXX I received an email from Lakeview Loan Servicing XXXX they had created a new website that was able to be used for customers to make payments, and they stated we would need to reenter our bank information. This website was only accessible by clinking then link in the email. We have no way to tell if this website is real or part of the attack. I tried calling them at their number XXXX and it goes to an automatic answering service that asks for your last 4 SSN to verify you. When input the call is automatically ended. When I Called back it then asked for either my loan number or full SSN to verify my account. After I entered in my loan number it said my loan could not be found. There is no way to speak to a real representative. There is no way to pay our mortgage or to know if our personal confidential information has been leaked.

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 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am reaching out due to an ongoing issue I am having with Bank of America. Ive had a personal account, and I receive my direct deposit from my job directly to this account. However, when I tried to log in to my online banking I received and error message. When I called customer service, after spending almost 30 minutes being passed around the phone, they advised my account is being closed and they could not give me any information. The communication from the bank has not been clear and I have received conflicting information. I feel misled, taken advantage of and pushed to the side. This is unfair as the funds from my job are what I use to support my family. I tried explaining this to no avail.

The way Ive been unfairly treated by Bank of America is completely unacceptable. I received a call from one of their reps advising that someone from the resolution department will call me in 4-5 business days and they provided the number XXXX. Today my direct deposit from my job hit the account but the funds are being held by the bank. I am a father of XXXX small children and the only source of income in my household. These funds are directly from my job with the XXXXXXXX XXXX XXXX and not the first time this direct deposit has been deposited to my account. When I tried calling the number mentioned above no one answers and when I called the bank in regard to the funds the information given is confusing, I am given the run around and they are neglecting my request for proper information. I feel I am being discriminated, not given proper accurate information and just pushed aside when this is a very important matter to me. I need the funds to be released and for them to allow me to access the funds or withdraw from the account. If they choose to close the account after that is fine but I need my hard-earned funds to be released to me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
A scam website fraudulently took four different transactions of a total {$190.00} out of my chime account. I went through a dispute process with Chime three different times, and they denied my money back. They were very rude to me, and still did not send me legal documentation of why they denied my request for my money that was taken out of my account through Chime.

I did research and found out who took the money out of my account is a scam site I do not know how they got my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On the XXXX XXXX, XXXX, I received another mail from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, representing a debt collection agency, LVNV Funding LLC, in reference to an old, XXXX XXXXXXXX account, from almost two decades ago. The letter did not state or specify an actual amount owed, but threatened to garnish my wages, if I do not respond within 10 days. Not exactly sure if these scoundrels who pose as debt collectors really think that Im some type of ignoramus or a pushover, that will easily cower to their chicanery. Let me make it clear, for the umpteenth time, that I do not owe this debt, and wont fall for their perfidy. Keep digging up old, unsubstantiated accounts, and I will continue to report you to the CFPB, until you become moribund and out of business! Might I also add that I conducted a search, using the docket number XXXX, XXXX XXXXXXXX XXXX XXXX, associated with the account, and turns to be non-existent. A complete sham! The courts website : portal.courts.gov, does not have anything remotely close to this dubious judgement. This is a time-barred account that totally lacks merit, and in all pithiness, null and void. Finally, this is a cease and desist letter adjuring LVNV Funding LLC, its associates and subsidiaries to stop, henceforth, any communication or correspondence, regarding this meritless account or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/2023 I was approved for a Citi credit card with a {$5900.00} credit limit. They asked for the card I wanted to transfer the balance from. I additionally put my mailing address in my application as well as physical address. They have no record of them offering me the promotional balance transfer, or the mailing address I entered. They lost my card in the mail and then gave to recourse for their predatory lending practices. I believe Citi should be fined for predatory lending practices because I did not want a credit card without the promotion. They has damaged my credit, it has forced me to pay interest on the other card that I should not have had to and caused unnecessary stress to me 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 explanation
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-30 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: DISCOVER BANK
State: FL

Complaint narrative:
Ex-Husband opened Discover Financial card in my name without my knowledge or consent in the amount of {$14000.00}. This was brought to my knowledge after reviewing my credit report. I immediately called Discover and had the card in his hand turned off and asked for transaction history-there was only one transaction and it was a balance transfer from his XXXXXXXX XXXX XXXX XXXX. Ex-Husband admitted this was his balance in court and the Judge ordered him to pay this ( court document was provided to Discover and their lawyer ( collection company ) XXXX XXXX XXXX XXXX He also went to XXXX shortly after serving life for many reasons-one including held in contempt to not following judge 's orders. I disputed this on all credit bureaus which include XXXX etc. I even kept in touch with XXXX XXXX XXXXXXXX and Discover at the same time in XXXX of 2023 and called ever 2 weeks, provided them judge documentation and a case number with the police department when I reported it fraud because this needed to be deleted off my credit report. The denied my fraud claim and said after 90 the investigation showed I would still be held responsible for this amount even after all the documentation that I provided.

Company response to consumer: Closed with explanation