vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a business account in XXXX. Wells Fargo closed my account because of their internal error. They did not do the proper paperwork and corporate office closed the account. The local branch received at least 8 notifications that there was something wrong and never reached out to us to fix it. They closed the account and supposedly sent a check out for XXXX XXXXXXXX on the XXXX. I still have not received this check. I have tried multiple times to get them to fix this and it still is not done. They are holding up the process of this building by not having the funds in my account to run my business. The local branch refuses to escalate the complaint. I have been lied to multiple times about fixing this problem.

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 2024-02-26 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: IL

Complaint narrative:
In XXXX of 2023 I used a credit software to request a full investigation into items on my credit report because they were inaccurate. I sent my letters to all 3 credit bureaus and did not receive a response for over 2 months from TransUnion and I did not receive a response from XXXX or XXXX at all. When I did receive a response from TransUnion, they stated they wanted to be sure it was me that was requesting the investigation basically a stall letter. I sent another letter requesting a full investigation into the discrepancies on my report and did not receive a response from XXXX or TransUnion but one from XXXX another 2 months later stating the same thing TransUnion stated they wanted to be sure it was me. I responded with a third letter stating I have a right to use credit repair software and I am NOT a credit company. I, to this date have not received a response to any of my letters requesting an investigation nor have they removed the inaccurate information from my credit report. I am trying to move my family into a better living situation and this is impacting my apartment search because of the erroneous items on my credit report. I would like to have the items deleted from my credit reports from all three bureaus please. In addition, I contacted the XXXX XXXX Clerks office to request how they report the bankruptcy to the credit bureaus and they never responded. I am aware they do not report these circumstances to credit bureaus. This bankruptcy being reported on my credit report is also erroneous.

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 2024-02-26 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: FL

Complaint narrative:
This is a formal complaint against DISCOVER BANK. Our bank account was improperly drained of cash by them of a total of {$31000.00} USD.

this was done by using checks that contained our account number in the coding. as well as numerous payments to XXXX. Not once did the bank verify these odd transactions, question a signature, nor enforce usual ID policies, they went ahead and added the name on our account, the name was changed in the printed checks is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The month of XXXX, XXXX, checks total payable to third parties {$4900.00} On XXXX XXXX thru the XXXX ACH withdrawals in the amount of {$1300.00}. 
Month of XXXX, XXXX, employing same methods a total of {$22000.00} On XX/XX/XXXX they paid Capital XXXX {$290.00} and issued XXXX withdrawals to XXXX, for a total of {$2700.00} ( the amount of withdrawals alone, was enough to merit a call to us the Account Holders ) THEY HAVE NOT BEEN TOO HELPFUL, MOROSE IN SENDING COPIES OF CHECKS FRONT/BACK AND TO ADD INSULT TO INJURY, ADVISING US TO CONTACT THE FTC, XXXX, XXXX, AND THE CREDIT AGENCIES AT OUR COST & TIME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 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: Credit Karma, LLC
State: MD

Complaint narrative:
Credit Karma shows Excellent approval ratings for a loan with XXXX so I took the offer for pre-approval, then applied and I was " approved '' The loan provider XXXX then requests a bunch of documentation ( All of which supported my loan application details and then they said my loan was denied, I could apply again in 30 days, and that I could not discuss why after providing all of this personal documentation that my loan was denied. 

Typically, once you get to the point of needing to provide physical documentation. - You're contacted by the loan provider if something on your documentation or in your banking that you've provided is incorrect - They did not do so. I called and they said there's nothing they can do for 30 days. 

Process : 1. Credit Karma shows excellent odds 2. I click take offer 3. I go to the website and it says submit your application with no impact to your credit 4. I get my loan terms and rate 5. If you accept, we will run a credit check 6. Asks for documentation to be provided to recieve funds 7. Application denied based on their 4-tier factors Of those factors, all 4 can be found via credit consumer reports - The reports they used during both the credit karma soft pull and then the XXXX soft pull. This inquiry should be removed and their practices should be investigated. Telling people that " Checking doesn't impact credit score ''. on two occasions and then denying a loan after two seperate checks without explanation seems like a way to have people apply over and over for the purpose of potentially being able to get a loan out to someone with millions likely racking up inquiries based on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
so there was a shelter located in XXXX at the address of XXXX XXXX XXXX called the XXXX XXXX XXXX and I had used it as a mailing address since I am currently street homeless, But I do definitely feel there was money that was taken out from my account without my consent and whoever took my money out ordered a replacement card as a way of covering up/trying to hide the withdrawal transaction they had made from my first debit card that I did not receive I also say this because there was a lady who said she was from Ohio named XXXX XXXX at the XXXX XXXX XXXX and I also say this because the mail that was there were two pieces of mail and one piece of mail had a Ohio zip code of XXXX with a XXXX XXXX number of XXXX from chase bank saying that the replacement card has been complete which I wasn't from me at all and also another reason I say this is because the lady who was there was asking me for my ssn and name repeatedly which after I came to realization and feel that she was recording my voice audio for impersonation purposes And another reason I say this is because they had told me it was supposed to be sent to XXXX XXXX XXXX XXXX XXXX  XXXX within 5-7 days but that day that they had told me this was XX/XX/XXXX and when I had went to the XXXX XXXX XXXX and another lady there told me that it wasnt any card there for me but then right after the same lady who kept asking me the questions named XXXX had also told me maybe the information on the card got changed and to see if it got changed which had me confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: TX

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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/2023. I attempted to pay ALLY Bank via the Bill of exchange act 1882. I sent them documents that accepted the demand for payment ( Accepted for Value ), I entered the amount of {$6700.00}, I signed my name and underscored it with UCC 1-308. 

On XX/XX/2023, I received a letter of rejection and was placed on restrictive payment. I would have pay my bill thru a wiring service as punishment for trying to settle my debts as I understood them as a Bona fide Purchaser. One who exchanges value for services and goods. 

I sent them payments through my banking account, which they returned, under UCC 3-603, part b. If payment are sent to those who are authorized to pay and they are rejected. It is considered discharge up to the amount submitted. 

I rescinded their rights to repossessed my car, as well as their rights to the security interest of promissory note that was on the back. I was still sending them payment through my bank which they returned. 

The repossessed the car two months after rescinding. A clear violation of the contract. I was force to pay over XXXX dollars to get the car back. 

I am still being forced to pay this company through a wiring sevice, which is a hardship to me. I seek remedy for violating my rights as a Bona fide Purchaser/Consumer.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I cashed in my stipend check ( # XXXX ) of XXXX XXXX dollars in the Chase bank at XXXX XXXX XXXX, XXXX, XXXX XXXX. 

However Chase said they needed to confirm with the sender the amount and locked my account completely, even my private funds. They did not use the other number associated with my scholarship ( who is also a Chase bank member ). 

According to Chase they were not able to confirm with the sender, even though my scholarship contact person ( he is the main contact ) contacted Chase multiple times and they said everything from their part went well, and nothing should be done. An argument of privacy was being used when I inquired that they should contact them directly to resolve this. 

In the meantime, I was given 14 days for the sender to confirm the amount. But this was not working as transparent communication was not given my Scholarship as they kept stating their Chase contact person said this was all in order on their part. 

14 days passed and my account was closed. 

XX/XX/XXXX they stated a XXXX XXXX XXXX of XXXX XXXX dollars, however no return of funds has occurred to my scholarship nor a check of that amount has been made out to me. 

I made several appointments and visits to Chase to resolve this, but nothing has happened - Wednesday, XX/XX/XXXX at XXXX XXXX XXXX - XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX, NY - Thursday, XX/XX/XXXX at XXXX XXXX XXXX - XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX, NY - plus several in-person visits without appointments All in all, no funds have been 'bounced back to the scholarship account ' nor made out to me. My scholarship has no registration of this amount being back in their account. This XXXX XXXX dollars is supposed to go to my education and this miscommunication and incapabilities are beyond frustrating as a student..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: NJ

Complaint narrative:
A data breach at XXXX XXXX that unfortunately was a part of, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced by XXXX XXXX XXXXThe breach occurred XXXX XXXX, according to the letter, and XXXX XXXX notified XXXX XXXXXXXX XXXX about the breach on XXXX XXXX. This caused me to occur late payments and new fraudulent accounts to appear on my credit report because of the identity theft that effected me during this time

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 2024-02-26 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:
These accounts below are fraudulent and needs to be removed immediately XXXX XXXX XXXX XXXXXXXX XXXX during XXXX XXXXXXXX had a data breach and unfortunately I was a part of it and my identity was stolen along with XXXX XXXX other people and due to that is now causing fraudulent accounts reporting on my credit report shown above that dose not belong on my 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 2024-02-26 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: NJ

Complaint narrative:
These accounts below are fraudulent and needs to be removed immediately XXXX XXXX XXXX XXXX XXXX during XXXX XXXXXXXX had a data breach and unfortunately I was a part of it and my identity was stolen along with XXXX XXXX other people and due to that is now causing fraudulent accounts reporting on my credit report shown above that dose not belong on my 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 explanation
Consumer complaint received 2024-02-26 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: NC

Complaint narrative:
On XX/XX/XXXX I called in to XXXX to pay off my credit card $ XXXX. I explained to the agent that I would like to have the account paid in full and for the account to be closed and for that information to be relayed to Equifax, XXXX XXXX, and XXXX. The rep placed me on hold and came back with the payoff. I gave her my financial information and she thanked me for my business and explained that she would handle every thing on her end to close the account and to notify the credit bureaus. 

XXXX weeks go by and I received notice that the account was past due. I called XXXX to find out why and was advised that the rep from XX/XX/XXXX may not have given the correct payoff and that they recognized that it was their error and that they would be reversing the last amount on the account and as a precaution contacting the bureaus to advise that I was not past due and the account was paid in full and in good standing. 

Another few weeks go by and I received another notice of delinquency. The previous rep did not do anything that they said they were going to do. So the new rep got a manager on the phone and she apologized and said that she would have to escalate it to a different department and I would be getting a call back in around 2 weeks. I never received a call and a few weeks later received another collections notice. 

I called to XXXX again and a rep explained to me that he saw the notes in the system that the account was being handled and that it takes 1-2 billing cycles for the update to take affect and he ensured me that there would be and had not been any adverse reporting to the credit bureaus. 

Fast forward to this past weekend and I receive another notice of collections from XXXX for {$60.00} and now I received notice from XXXX XXXX and Equifax that my scores have dropped by over XXXX points. XXXX is reporting the account delinquent and my credit is adversely being effected. XXXX is completely inept and can not do their jobs, and DO NOT do their jobs. This has gone round and round and round and today the situation is going back into " review '' for which I'm supposed to wait 2 weeks to hear from someone. I am supposed to be purchasing a new vehicle this week and my credit score will determine what interest rate I qualify for. I may end up paying thousands and thousands in additional interest as a result of XXXX ineptitude and unwillingness to correct their errors. 

Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XX/XX/24 received email that account is being investigated for fraud. Called and spoke with representative and they were unable to verify my security questions nor tell me why they have changed. No information given XX/XX/24 - account still locked and called and spoke with representative which told me account was under review and could not tell me why or when it would be resolved XX/XX/24 - account still locked and called to speak with customer service and was told they could not give me any information on why or when account would be unlocked.

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 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I have a mortgage loan with Rushmore Servicing for a XXXX in XXXX. I notice in XXXX of XXXX that they had made XXXX payment to an XXXX company out of my XXXX  account to XXXX XXXX XXXX. The payment were made on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. XXXX XXXX XXXX is NOT my XXXX company and never has been! I called and was told to wait and it would get taken care of- well it wasn't. After XXXX calls and it being escalated XXXX- this is what they are saying. The address on the XXXX XXXX was the address of the XXXX XXXX  my XXXX is, but there wasn't a XXXX XXXX on it and the name was different. But they paid it out of my account anyway. After their review they are saying they followed their " policy and procedures '' so they haven't refunded the amount back into my account. This is causing me to have an approximately XXXX increase in my mortgage payment. Plus my actual XXXX company - XXXX XXXX-premium is coming due in XXXX and there isn't any money in my XXXX  to pay it - because they PAID SOMEONE ELSES XXXX with my money!

Company response to consumer: Closed with explanation