vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I sent a letter certified mail on XX/XX/2023 and requested a copy of the original contract with the original creditor with my original signature on it. I requested proof of the debt because this does not belong to me. I have never done business with the debt collection company. This is being illegally reported and if not removed I will file a civil lawsuit in the local XXXX county circuit court and require the debt collector to attend in person for a violation of the FCRA. I will also be filing a complaint with the XXXX as well as the FTC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: SC

Complaint narrative:
For the third time this year, I requested an escrow analysis be run on my account with different information regarding my tax bill. I received my tax bill from the county and requested yet another escrow analysis ( XX/XX/2023 ) be run because the bank has my estimated taxes at over {$7000.00}. My actual bill is only {$2700.00}. Their overestimate is causing me to pay almost {$500.00} more a month then needed. I would like my escrow to be fixed and a refund for the overpayment. If I am calculating things accurately, I do believe I should be receiving a little over {$4000.00} back due to their error.

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 2023-12-01 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: SD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-01 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: CA

Complaint narrative:
After sending XXXX from my capital one to my XXXX account. XXXX banned my account. So i disputed it with my capital one bank, they credited XXXX $ to my account. Just to take it out 2 months later so I woke up to a negative balance one day. After calling them. They said they denied my dispute. Their reason was that XXXX provided them proof of transaction. So after a lot of back an forth with XXXX  i got access to my account again. Just to find out they have made an adjustment and left my account with a negative balance of XXXX $ because of the dispute i had done with capital one. I got in contact with them and told them capital one denied my dispute. But they tell me they have the money and i should get in contact with capital one. So i get in contact with them. Horrible customer service, nobody tries to help you and when you ask for a supervisor they make you wait 30 mins in line. After multiple days of calling. Capital one re- opened my dispute. I provided them all the documents showing my account was banned right at the day of transfer. And that right now its at a negative balance. But they denied my dispute yet again. So now XXXX $ is literally on the air. XXXX claims they have it. And that i should open a dispute with them. While they claim they made their final decision, and that I should contact XXXX 2 ridiculous online banks one worse than the other. With chime threatening me to send my balance to collections. If that happens. Both are gon na be taken to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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:
Equifax had a data breach which affected my account, and I had wrong information added to my account including multiple under my credit with wrong DOB wrong name and addresses iv never lived at, I have proof that equifax has admitted to my account being affected by this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Newrez mortgage is sending me default notification because I am 1.5 payments behind. I applied for the XXXX relief in XXXX and didnt hear back until end of XXXX saying resource no longer available. The woman assigned to me doesnt call or calls weeks later.I CAN MAKE THE PAYMENTS but I need help getting caught up. 

They will only push late payments to end of loans is if minimum 3 payments. This doesnt make sense,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I'm filling this complaint against one of the worst banks in the USA Wells Fargo for poor service, fraudulent, bad faith, and unfair cause to close my checking account this info for previous complaint filled with CFPB and Wells Fargo Wells Fargo case number : XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Wells Fargo admitted their fault attached are copies of letters received Our records confirm a XXXX advance for {$8000.00} posted to your credit card on XX/XX/. A payment was made to the account for {$7200.00} on XX/XX/XXXX XXXX 
XXXX cleared and the wells fargo teller successfully withdrew from the account went back to branch after a week to see where is issue, customer service told me we they will take care of it nothing you can at the moment week later wells fargo closed my credit card and didn't issue my reward balance before they closed my 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 2023-12-01 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-01 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-01 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital one auto finance reported to credit bureaus that my total loan balance increased by {$52.00} This affects my score it dropped i disputed this NOW theyve reported that my balance had gone up by {$120.00}!! Ive never missed a payment always pay more than required agent keeps saying interest accrues daily i KNOW that! Been paying several years this has NEVER happened balance should steadily GO DOWN not up! Agent says youre all paid up nothing due till XX/XX/XXXX BUT we got your payment but didnt post it until blah blah so somehow the extra $ i paid just vanished agent talks in circles doesnt really say anything and DOESNT explain WHY they keep increasing my loan balance! What is happening to the extra money i always send? Why is this all of a sudden happening?? If they keep adding to the balance even though i dont miss payments and always pay more HOW will i ever pay it off?? Also ive requested paper billing several times and have not gotten it Agent told me XX/XX/XXXX  she would email me the information and did not The online statement doesnt show how much interest each month only total paid to date doesnt break down principal/interest I want paper billing and i want them to STOP reporting my balance increasing every month!! They reported balance DOWN by {$120.00} then changed it NEXT day to UP {$120.00} WHAT is going on with this company??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC
State: FL

Complaint narrative:
My card was lost on XX/XX/ some unauthorized activity occurs I called them soon as I noticed and reported it. A few weeks later the money was reimbursed but soon as it was reimbursed my account was restricted its been over a month. And only thing they could say is they don't know how long it will be before the restriction is removed. I would like for them to either remove the restriction so I can access my funds or just close my account as soon as possible. I've been extremely patient and there customer service isn't any help. They are even in breach of our agreement which states I could close my account at anytime. I asked them to do metha favor politely but no one considered helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: MA

Complaint narrative:
Payments for XXXX XXXX XXXX incorrect account was never late I been disputing with company and put in complaints with them. Now at this point the credit bureaus are still reporting inaccurate. Also this company is violating my privacy rights according to consumer law. The dates in question are where all paid but considered late do to there system failing to report the payment as on time. This comply is false reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was denied credit based on Experian credit comments. I contacted the number on the denial letter and was unable to get a live agent or my credit report without paying. My understanding is that Experian would provide a free credit report and explanation. I am unable to contact them. I spoke with XXXX regarding my report and they said it was good with no delinquencies, same for XXXX. 
However, Experian has a much lower credit score and claims I have several delinquencies which is incorrect. Their incorrect report resulted in two denials of credit.

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 2023-12-01 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: MA

Complaint narrative:
Below is a least of acounts that where open fraudulantly on various Dates. Several credit cards I have never recieved used or signed for. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-01 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: MA

Complaint narrative:
Below is a least of acounts that where open fraudulantly on various Dates. Several credit cards I have never recieved used or signed for. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-01 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: MA

Complaint narrative:
Below is a least of acounts that where open fraudulantly on various Dates. Several credit cards I have never recieved used or signed for. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01 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: Avant Holding Company, Inc.
State: MO

Complaint narrative:
My information with XXXX has been breached and heres the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
So far, I've recieved phone calls from 2 different FL numbers and written correspondence from 2 different addresses in different states other than FL. It's confusing and they didn't respond to the Debt Validation Letter except to say that they got it and they had to make sure that their records were " accurate ''. Shouldn't they be accurate already before they took action? I'm sending a letter today to give them 5 days to furnish this info or I will not respond to the debt again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: AL

Complaint narrative:
This complaint is to let you know that I've been reviewing my credit report recently and noticed all these inaccurate information in my account, this is fraud and I want these inaccuracies removed from my credit report imminently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm submitting this complaint by myself and there's no third party involved! Immediate response and action is a must.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc.
State: MI

Complaint narrative:
I submitted a final loan payoff on XXXX A week later, my account showed a {$0.00} balance and then a few days later I was no longer able to see the account anymore. I noticed that my credit report was not being updated to reflect the payoff and my report still shows a large balance. I asked the company to send me a letter to prove I have paid it off. They sent me the letter and it indicates that it was paid off on XX/XX/XXXX I opened a dispute with XXXX but their result of the investigation says the information on my report is accurate despite the letter indicating the account is paid off. The company is not submitting the correct information to the credit bureaus after the account has been paid off.

Company response to consumer: Closed with explanation