vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/scrub> 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Easier Funding, LLC
State: TX

Complaint narrative:
Subject : Complaint Against 60 Day Credit Repair and Denefits, the collection Agency they use for Harassment and Unlawful Contact Practices Dear Sir/Madam, I am writing to formally lodge a complaint against 60 Day Credit Repair regarding their persistent and harassing communication practices. Despite my explicit instructions to cease contacting me outside of regular business hours, I continue to receive phone calls and emails at odd hours, causing significant distress and inconvenience. 
Details of the Complaint : Company Name : 60 Day Credit Repair Nature of Services : Credit Repair Outstanding Balance : {$1600.00} Issue : Harassment through phone calls and emails at odd hours Agents Statement : An agent from the company explicitly stated that I would continue to receive emails and calls until the outstanding balance is paid in full. 
Specific Incident : On [ specific date ], I was contacted at XXXX XXXX, which is a violation of my rights as a consumer, even after I had informed them of my preferred contact times.

Agency Used : The agency they used for these communications is called XXXX. 
I have repeatedly informed 60 Day Credit Repair to stop contacting me outside of regular business hours, yet they have ignored my requests. The agents statement that I will constantly receive emails and calls until I pay the balance is both unprofessional and a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
I request the CFPB to investigate this matter and take appropriate action against 60 Day Credit Repair for their unlawful and harassing practices. I also seek guidance on how to protect myself from further harassment and ensure that my rights are upheld. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I called XXXX and complain about a {$99.00} charge. They did nothing so I called XXXX XXXX and filed a report. In the meantime XXXX credit the account. XXXX XXXX says they never got the credit. I have documentation of the XXXX credit and sent it to XXXX. They refused to help and said they were taking {$99.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: NV

Complaint narrative:
I have called and reported that my card was lost! and as of today they are calling me and asking me the same question, which i'm at work and going through a lot of stuff. why is it my responsibility to constantly explained myself over and over. they are putting me in a XXXX  situation. and i had to constantly repeat my social security number to them? who are they people? XXXX? 

does anyone know if still harassments can be handle at the federal level?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Despite making the payment on time, it was incorrectly recorded as late due to a processing delay on the creditor 's part. I have attached copies of my bank statements that clearly show the payment was made before the due date. 
Evidence provided : Bank statements showing timely payment. 
Correspondence from XXXX XXXX confirming the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My HELOC was transferred to new company SHELLPOINT. 

We have fixed rate, we have paid same amount on time for years. Now, without reason, the new company unapplies our payments, when theyre on time, and through some terrible accounting practices stated my fixed rate will now be different payment amount every month? 

I have never had an issue with a company before. 

Paid every month accurate and on time. 

This is deceptive and the company has no response after I have repeatedly asked for explanation. 

Payment is XXXX They are now asking for XXXX without explanation

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO MISCONDUCT : Phone, wallet ( debit card ) stolen out of my vehicle and fraudulently used by thief on XX/XX/year> in XXXX XXXX, CA. Claim of theft disputed with Wells Fargo. Funds stolen via a Wells Fargo debit card. A police report was filed ( XXXX ). Funds reimbursed 2 weeks later by the bank in a sum of {$1300.00}. However, 3 months later, today, Wells Fargo reversed the reimbursements ( {$1300.00} ) with no warning via text, email, phone call. I am XXXX XXXX XXXX and this retracting of funds is affecting my ability to pay other bills. Also, there was no reason given for the reimbursement reversal. 

DETAILS : When confronting the Wells Fargo investigation team with a Wells Fargo agent, they stated I am liable for the funds which were forced on me to pay. On this, I asked the following questions : How had the investigation team determined I was liable for the funds? Had they given me ample warning of the reversals? What methods did they use to conduct the investigation? 

How the team determined I was liable : Said they are not at liberty to provide me with that information. 

Had I been given ample warning : No. only mail was sent regarding the reversal on XX/XX/XXXX. Said they do not email, do not text, and will not call either. I did not receive this mail as of today, XX/XX/year>. 

What methods : Again, refused to elaborate. 

ADDITIONAL : -No purchase history on my account for the 5 years it has been active was ever made in XXXX XXXX , the location the thief made the payments with the stolen card. 

-Wells Fargo Investigation agent was rude and defensive to the account manager who was physically in my presence in the bank disputing the issue on my behalf. 

-Account manager stated this is a recurring pattern of fraudulent investigation misconduct with Wells Fargo . 

-XXXX, the company with other card stolen, reimbursed me the following few days with the police report as sufficient evidence. 

-A few transactions were declined on suspicion of fraudulent activity, but Wells Fargo approved it. 

-An XXXX transaction was declined as XXXX requires ID for large purchases, something a thief would obviously not use as using it would raise suspicion ( since I am not the thief ). 


-Personal belongings stolen : IPhone, pilots license, drivers license, debit and credit card ( XXXX  ). 

My actions : I am in the process of creating a court case with an attorney at hand. 

Supplemental media is provided relating to my text, in this document. 

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 monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against FLAGSTAR BANK for unlawfully blocking my access to {>= $1,000,000} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$190000.00}, was purchased by the bank, and I became the holder in due course of the account. 

However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : 1. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation.

2. Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

3. Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor.

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 2024-09-16 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-16 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: AZ

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: AZ

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TN

Complaint narrative:
I am not associated with the creditors mentioned, and these inquiries were not made by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against NATIONSTAR MORTGAGE for unlawfully blocking my access to {>= $1,000,000} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$190000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : 1. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation.

2. Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

3. Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
this is a medical payments excess medical already been payed off my medical private this is a HIPAA VIOLATION -Healthcare LAW-ATTORNEY THE ATTORNEY GENERAL OFFICE PUBLIC INQUIRY UNIT XXXX XXXX XXXX XXXX XXXX 
XXXX WWW.OAG.CA.GOV THIS IS UNDER CODE XXXXXXXX XXXX XXXX XXXX BALANCE {$2900.00} HAS BEEN PAID ACCOUNT # XXXX OPEN XX/XX/XXXX XX/XX/XXXX THOUGH XXXX XXXX XXXX XXXX COMPENSATION REPORTED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an email from capital one stating as followed.. 

XXXX concluded our final review and confirmed the unusual activity on one or more of your accounts is inconsistent with our expectations for account usage.

Your Capital One bank account ( s ) will be closed.

Any remaining balance owed to youplus any interest earnedwill be sent to your externally linked checking account. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed to the address on file.

Since then Ive called everyday trying to figure out the time frame on this process because I have {$5500.00} that I need asap I have kids!! all they keep telling me is that the decision to close the account is finalized but they dont have a time frame on how long it will take to close out the account officially that makes absolutely no sense and I want my money asap they already put me through hell for the last 3 weeks trying to unrestrict the account having me visit the branch several times times crying to the bankers and etc just to withdrawal my money!!! and now they still trying to give me the run again with the process of closing the account just send me my check now!!!!

Company response to consumer: Closed with non-monetary relief