vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX of this year, 16 fraudulent charges appeared on my credit card totaling {$3900.00}. 

I contacted Wells Fargo who initially credited my account and issued me a new card. After about a week, they decided that I was liable for the charges and reposted them on my account. The issue being that apparently their system shows that a chip was used when making the purchases and I had let stated that I had not lost the card nor lent it to anyone. 

Despite filing a police report, a claim with the Federal Trade Commission and a fraud alert with XXXX, they continue to deny my assertion of fraud. The charges occurred in multiple cities where I was not present. I have requested a letter from my employer stating that I was working on three of the four days the transactions occurred to try to further my case. Unfortunately, one charge occurred on a Sunday so I would need to get a letter from the church where I was attending services at the time. Three transactions were in XXXX where I do reside but hopefully the fact I was working on those days will suffice. Several of the charges were for large amounts and I was never contacted by Wells Fargo to inquire about possible fraud given that all were unusual charges given my account history. 

The charges are as folllows : XX/XX/XXXX : XXXX - XXXX {$250.00} XX/XX/XXXX : XXXX - XXXX {$240.00} XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX - XXXX {$14.00} XXXX - XXXX {$6.00} XX/XX/XXXX : XXXX - XXXX XXXX {$60.00} Big Daddy 's - XXXX ( XXXX charges ) {$98.00}, {$79.00}, {$78.00}, {$76.00} XXXX XXXX - XXXX {$1900.00} XX/XX/XXXX : Clevelander - XXXX ( XXXX XXXX ) {$600.00} Big Daddy 's - XXXX ( 2 charges ) {$230.00}, {$120.00} XXXX 's - XXXX {$100.00} XXXX - XXXX {$22.00} These charges total {$3900.00} ; all of which are fraudulent. 

I have made every effort to work with Wells Fargo to prove that I did not authorize these transactions and they continue to deny my claim. I need further assistance resolving this matter as the bank is not taking any action to help me clear this matter. And hopefully, this is resolved quickly enough that the disputed transactions which I refuse to pay will not affect my credit score. 

Police report case number : XXXX Federal Trade Commission claim number : XXXX XXXX fraud alert confirmation number : 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 2024-05-29 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: VI

Complaint narrative:
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2024-05-29 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: I.C. System, Inc.
State: MN

Complaint narrative:
There is a fraudulent account on my credit report from your company. This information does not belong to me. I have attached a copy of my driver 's license and the police report as well. Please feel free to contact me if you have any questions. The account details are listed below.

1. IC System, Inc : Original Creditor : XXXX XXXX- Balance : $ XXXX- Acct No Beginning in : XXXX - Reported on : XX/XX/2024

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 2024-05-29 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:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-05-29 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: MS

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 explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-05-29 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: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX, Transunion XXXX XXXX requesting that they verify the accuracy of an account reporting on my credit reports- XXXX XXXX . I have attached said letter. I sent this letter because I checked my credit reports and noticed that the account in question had different information across all three bureaus and I know that it is the credit bureaus responsibility to ensure that creditors are reporting accurately. I received a response to my letter from XXXX on XX/XX/XXXX. It stated " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' On XX/XX/XXXX XXXX sent me a notification stating they completed the dispute with no changes made to my credit report. Transunion responded last on XX/XX/XXXX claiming to have verified and updated the account information ( which I've also attached ). As of XX/XX/XXXX my XXXX credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My Transunion credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My XXXX credit report has XXXX XXXX reported as 60 days in XX/XX/XXXX and 60 days late in XX/XX/XXXX. I have attached screenshots for each of these instances. All 3 credit bureaus still have different information and it is negatively affecting my credit score. The only thing we can be certain of at this point is the date the account was opened and the date it was closed. I am requesting that be the only data that be reported to my credit report as clearly XXXX XXXX has not accurately furnished the data to the bureaus aside from the opening and closing dates. This was done for another account of mine which also reported inaccurately and I would consider this an agreeable 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 non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My issue is with the company Sychrony and their business practices that are going to start making payments harder and fees incurred by the consumer. 

Originally approved for a credit card via XXXX XXXX, a local store in XXXX Illinois. Did not know it was Synchrony. 

Paid about 1/2 of the 18 months of no interest, the company changed their policy. Paper statements would cost {$1.00}. Tried to change my account for 5 days to go paperless. Not an option. The other card from XXXX XXXX  XXXX, managed by them the option was available. 

Letter dated XX/XX/year> I received XX/XX/year> about the changes. I tried on XXXX, XXXX and XXXX for multiple days to change my account to paperless. Also in the letter was something about finance charges but I stopped trying to read it and paid off my card. 

Then I opened a Paypal credit line. I was very unhappy to find out Synchrony manages this. I had trouble finding the credit line information on PayPal but last week found a way to pay via snail mail. Went to the application today and could not find the information anymore. GONE on XX/XX/XXXX. Looked on the web. Many people having issues finding their credit line in the Paypal application and how to pay. I searched on the web and found many complaints. 

So again you can't find your information but they will charge {$1.00} I am sure for sending out paper too for Paypal. I was told by Paypal customer service that I have to LINK my Paypal credit to Paypal. That was never communicated. And maybe Synchrony had a system change. But I never received any communication. 

I have a Synchrony App on my phone and that does not show my Paypal credit line either. 

Synchrony is giving little or no assistance to the consumer which will result in fees, late payments and confusion. 

We already have people struggling with debt. I think Synchrony is going to or is already making money off of people not taking the time, don't have the time to make sure their bills are paid off. 

I think their business practices are inappropriate and they are doing whatever they want. 

Not everyone can pay off a credit card that was originally no interest. And not everyone has the time to check that all their bills came in to be paid. I no longer work. I have XXXX. And I have time to complain to whomever will listen about this company. Their lack of planning or IT resources should not be placed on the consumers bill.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a resident of XXXX XXXX XXXXXXXX and I am complaining against Citi Bank for my account Bank. On XX/XX/year> I opened a checking and Savings accounts with Citi Bank at CITIBANK , N.A . XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NY XXXX. The Banker who opened the accounts is XXXX XXXX, Personal Banker NMLS ID : XXXX, phone number : XXXX XXXX. 
On XX/XX/year> I send a wire transfer, reference number:XXXX, then Citi Bank blocked my accounts for fraud. Since then, I have been calling the Department of fraud, and they told me that they are going to send me a letter which will contain a reference number which they will use to unblock the accounts. The Department of Fraud has been requesting three 3 times that those letters being sent but the Department which suppose to print them out and send them never done it. Consequently, its been two 2 months I can not use my money, I mean my own money I deposited in the Bank.

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 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My husband and I have owned a condominium unit in XXXX XXXX, NC since XXXX. Our unit is covered by a XXXX XXXX policy, which includes, among other things, commercial coverage and flood insurance. This XXXX XXXX policy is renewed every XXXX. Our unit has a mortgage held by Truist Bank. Each year, the bank requires proof of flood insurance coverage. Each year we provide proof that the coverage has been renewed by uploading the new policy onto XXXX website. Each year, Truist replies that it is unable to proceed with updating the policy information and makes a vague statement about whether the date of the submitted documents are current. The policy submitted is always the current, renewed policy. Truist never supplies any list of what is missing in our submission, probably because nothing is missing. The policies submitted have always been renewed and current, showing coverage for the year, as requested by Truist. Each year since XXXX, we have had to go back and forth with Truist submitting the same documents showing current coverage until finally, after months of aggravation, stress and unnecessary wrangling, Truist accepts that the submitted documents do indeed prove current coverage. Although Truist provides a phone number for insurance questions, there is no option to speak with a living human being, and none of the other options is relevant. At least once, in XXXX, Truist tried to force us to pay for an insurance policy that it imposed on us, despite the fact that we already had and had provided proof of adequate flood insurance coverage. Last year I filed a complaint concerning this charade and, due to the CFPBs intervention, Truist accepted the insurance documents we uploaded without the usual dragged-out drama. I am hoping for the same result this year. I can not fathom why Truist engages in this parody each year, but I suspect it must have something to do with the banks hope that it can foist off expensive insurance policies on at least some of its customers. At any rate, I have attached the two insurance documents provided by our insurance agent and uploaded to Truist 's site, as well as Truists response. I am hoping that, once again, the CFPBs intervention convince Truist to read the documents submitted and accept them as sufficient to show insurance coverage, as they have in the past, albeit after months of wrangling.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
SUMMARY : Over the past 4 months, Ally Bank has failed to recover fifteen ( 15 ) checks issued through Ally 's online Bill Pay service. These bill pay checks were issued to my local church but not received by my intended recipient. The bill pay checks were instead fraudulently stolen and cashed without any endorsement to unintended recipients. Communication with Ally has been extremely limited, cryptic, and conflicting. 

DETAILS : Using Ally 's Bill Pay service, marketed as a " XXXX '' process, I scheduled biweekly payments to my local church as recurring, regular donations throughout XXXX. Many Ally bill pay checks were correctly received. However, at the end of XXXX, the church 's records confirmed they had not received a third of them, fifteen ( 15 ) total missing checks. However, these checks had cleared my account. After much effort, Ally Bank was able to retrieve images of the 15 cleared/missing checks and all 15 had no endorsement on the back. It appears they were fraudulently stolen from the mail and Ally released my funds to unintended recipients. 

I have disputed these for over 4 months now and none of the funds are recovered. 

Check Number / Date / Amount Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$2000.00} Total funds released to fraudulent recipients : {$5800.00} DISPUTE PROCESS : I filed a police report and began disputing these funds with Ally on XX/XX/XXXX, clearly outlining each of the 15 checks, dates, numbers, and amounts over the phone. 

I have contacted Ally Bank twenty ( 20 ) times to get updates on the status of this case over the past four months. Customer service representatives are unable to give a clear status on each of the check disputes, give conflicting information, and there has been no recovery for the 15 checks. Representatives and supervisors only see cryptic notes from the " back office '' and " can not connect me to anyone else. '' Communication has been arduous and a dead end. I have been patient with Ally and am now moving to recover the funds released to fraudulent recipients, taking all actions available.

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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent/LVNV Funding is reporting inaccurate information to the credit bureaus. 

I believe this information is erroneous for the following reasons : I have never incurred a debt with this company. 
I have no record of receiving any communication from LV regarding this alleged debt. 
Upon contacting LV to dispute this, I was unable to obtain any validation of the debt. 

This inaccurate reporting has adversely affected my credit score, which in turn has caused me difficulty in obtaining credit and has led to higher interest rates on existing accounts. This is not only unfair but also contrary to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require accurate and fair reporting of credit information. 

In an effort to resolve this matter, I have taken the following steps : Disputed the incorrect information with the credit bureaus. XX/XX/year> Contacted Resurgent/LVNV Funding directly to request validation of the debt. 

However, despite these efforts, the incorrect information remains on my credit report. I am therefore seeking the CFPB 's assistance to rectify this situation. I request the CFPB to : Investigate the reporting practices of Resurgent/LVNV Funding, LLC. 
Mandate the removal of the inaccurate information from my credit report since the information can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SOME LATE PAYMENTS ON AN ACCOUNTS THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXXXXXX XXXX  ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THOSE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS

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 2024-05-29 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: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.

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 2024-05-29 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: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT I ASKED FOR INFORMATION TIME AFTER TIME AND NOTHING. 
XXXX XXXX XXXX IS FRAUDULENT ACCOUNT. 
XXXX XXXX  IS A FRAUDULENT ACCOUNT DUVERA IS A FRAUDULENT ACCOUNT I HAVE NOT DONE BUSINESS WITH ANY OF THESE COMPANIES IM JUST ASKING EACH COMPANY TO SHOW PROOF AND THE CREDIT BUREAUS TO DO THEIR JOB DO A REINVESTIGATION BY LAW. I EVEN HAVE ATTACHED THE DISPUTES I HAVE DONE IN THE PASS REQUESTING THE ACCURACY OF REPORTING.

Company response to consumer: Closed with explanation