vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime, through its affiliate XXXX XXXX  XXXX, fraudulently opened a checking account in my name without authorization and failed to close the account after repeated attempts through email, web chat and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: K STREET FINANCE, INC.
State: CA

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA

Complaint narrative:
Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from XXXX XXXX, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, 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: KY

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  XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : 7085** has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, 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: KY

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The company name is XXXX XXXX XXXX, here is their website : https : XXXX XXXX They offered me a model job through instagram, stating that they will be giving me {$5000.00} in total, but that I have to give 50 % upfront payment after receiving their {$5000.00} check. On the first day, XX/XX/XXXX, I received {$2000.00} deposit check, and gave back {$1500.00} through XXXX. The next day, XX/XX/XXXX, I received {$3000.00} deposit check, but didnt give back any money ( as the XXXX XXXX have failed and that I have realized I was being scammed ). I called the bank immediately, the bank warns me that they have given me bounced checks, and it has been proven since the first {$2000.00} have already been bounced from my bank account. Yesterday, the frauds were still messaging me saying that if I dont give back the right amount they will be reporting me as fraud, later that day the account officer of the company ( also the person who gave me the checks ) states that the Agency Accounts Department has encountered a problem with the checks sent out. We have been instructed by the FBI to hold all payments for now while the issue is being investigated. 

As Im seeing it, at least two people are involved in this. One person who contacted me through instagram, going by the name XXXX XXXX, and another account officer going by the name XXXX XXXX XXXX. 

Most likely, I have already lost {$1500.00} ( after the {$3000.00} check gets bounced ).

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 2023-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit Management is attempting to collect a debt from me. The debt is not mine. 

Per a previous debt claim from MCM, I was told by an MCM supervisor, on XX/XX/23, that I would not be contacted again by MCM. 

On XX/XX/23, I recieved more debt claims from MCM. MCM has already established that the debt does not belong to me, my address, or my phone number. However, they continue to make claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, American Credit Acceptance repossessed my vehicle. They have refused to lower my payments or work with me to bring the loan current. The payments I have made included extra funds however American credit acceptance has never applied the extra monies to any late fees or NSF fees. I have made 51 payments on this vehicle and I still owe {$22000.00}. The last Cure letter was sent to me on XX/XX/XXXX, and my loan was brought current. This load was doomed from the beginning. I have paid over {$39000.00} on this vehicle that is now in the hands of ACA. In order to reinstate and get the vehicle back I must pay {$2600.00}, which doesn't include repo fees. My loan was never properly serviced and I have paid over the vehicle sale amount. I requested a settlement prior to this repo action and they never got back with me. I never received any correspondence by mail letting me know that the vehicle would repossed. I was not offered any assistance. Credit Acceptance obscured the true cost of the loan leading to severe financial distress and subject me to aggressive debt collection tactics on my loan knowing I can't afford to keep up the payments. They are predatory lender and they prey on hard working people like me. I have lost my transportation and means to go to work. I never received a repo letter and the status shows opened. I just made a payment of on XX/XX/XXXX, and my care was repos. on XX/XX/XXXX. On the website you can not see how the payments are being applied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian Credit Bureau response : Dear Valued Customer, Thank you for contacting us regarding your Experian CreditWorks membership.I appreciate having the opportunity to assist you and strive to provide you with the best customer experience possible. 

At this time, we're unable to determine the nature of your request with the information provided. I'm sorry for any confusion regarding this matter. 

Simply reply to this email with more details as to how we can assist along with additional verification requested below : The full name you used when registering for your account Your Member ID - this is a unique number that can be found in any email from Experian or by logging into your account clicking your initials in the upper right corner The email address connected to your account The phone number connected to your account We apologize for any inconvenience. Thank you for choosing Experian. 

Sincerely, XXXX XXXX. 
Your Team at Experian MY RESPONSE : I responded to your company on the website. ya 'll know exactly who I am and why i'm responding. Remove the fraud from my credit report. If you don't know who I am, you have no true accuracy or verification of nothing, so again remove unverified information or anything about 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 2023-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Multiple requests for a home modification were submitted to Wells Fargo, XXXX from XX/XX/2023 to XX/XX/2023 to no avail. I was pre-approved for the {$95000.00} assistance at the XXXX XXXX XXXX XXXX Assistance Fund ( XXXX ) to reduce the outstanding balance and approved the modification request. Each loan modification request was submitted via a representative of the XXXX XXXX XXXX and myself. Unfortunately, upon acknowledging receipt of each modification, Wells Fargo, XXXX would request the same documents previously acknowledged as received, which is a stall tactic. 

Wells Fargo, XXXX, is not the loan originator. Several months after closing on the domicile, it was sold to Wells Fargo, XXXX. The property was also purchased while on XXXX XXXX and is protected under the Servicemembers Civil Rights Relief Act ( SCRA ), which Wells Fargo, NA, refuses to acknowledge.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have had a mortgage loan with Wells Fargo since XX/XX/XXXX without any missed payments. My XXXX is currently at 56 %. 

I reached out to Wells Fargo regarding eliminating my Escrow Account. Well Fargo has refused citing a mandatory requirement that they can not by law remove an escrow account. They further stated that I must maintain an Escrow Account with Wells Fargo for the life of the loan according to the XXXX. 

I understand that the XXXX can require an escrow account to stay open, but Wells Fargo is not saying that they want the escrow account to remain open. Wells Fargo is stating that they are REQUIRED that I maintain an Escrow account because it is a XXXX XXXX, and the XXXX says that I have to have one. 

I have a saved chat transcript, and a word dictation of the conversations with Well Fargo representatives saying that they I am REQUIRED for the life of the loan to maintain an Escrow Account with them. 

Her is what The VA specifically says on the subject of XXXX XXXXXXXX : Lenders Handbook - XXXX XXXXXXXX XXXX Chapter 9 Legal Instruments, Liens, Escrows, and Related Issues Specifically Page 25 states the following 12. Escrow for Taxes and Insurance 9-25 Change Date XX/XX/XXXX This chapter has been revised in its entirety. 
a. Requirements XXXX  does not require the lender to establish escrow accounts for the collection and payment of property taxes, hazard insurance premiums, and similar items. It is the lenders responsibility to ensure that property taxes and hazard insurance premiums are paid timely. A lender who chooses to escrow for taxes and insurance must comply with applicable laws, including the Real Estate Settlement Procedures Act ( RESPA ). 

The reason why I want to cancel the Escrow account is that Wells Fargo has committed fraudulent activities on this Escrow Account. 

I received a letter for my local tax office indicating that they credited 2 cents per one hundred dollars of assessed property value as a credit toward my XX/XX/XXXX property tax payment. 

Wells Fargo failed to apply that credit to my XX/XX/XXXX property tax resulting in an over payment for XX/XX/XXXX. Although small, this amounted to {$88.00}. I received a escrow statement from Wells Fargo on XX/XX/XXXX which made no mention of the {$88.00} reduced payment or credit in my Escrow Account. 

I made two call to Wells Fargo who indicated they they have not record of a reduced tax payment from the local real estate tax office. 

By Wells Fargo saying that they are required to maintain an Escrow Account is false according to Lenders Handbook - XXXX XXXXXXXX XXXX which I cited above, and it appears that Wells Fargo is conducting predatory lending practice against veterans.

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX unlawfully furnished personal information on credit report and also furnished to non affiliated third parties without my consent which is illegal and not lawfully. 

According to USC 1681 ( a ) ( i ), transactions between the consumer and person furnishing the report IS NOT supposed to be included in a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
My business partner transferred almost XXXX to my accounts and the bank took money from my account and stopped all my payments of legal money that cleared cashiers check from a business transaction we had no reason for navy federal to say any fraudulent activity was going on but because we almost XXXX and my account was clean but they had been taken my money from my account without my permission reporting bad debts when I have proof of payments off my other accounts and they taken money out saying my bills arent paid Im 5 months behind but I am making payments now they just took my money closed accounts for no reason racism deception of lies and fraud on Navy fraud they are unethical and frauds and I would like a full investigation and all my funds return to my accounts I have paid my bills and the bank has taken my money and closed my credit cards I have been charged and money stolen and bad debts reported to my credit navy federal is a scam and I want all my money returned now with my credit report cleared of all business all credit cards closed they allowed fraudulent transactions on my account but I cant get my legal money they want give me no help I have had this account for years and they have denied me credit and defraud me for years and I have had enough Im going to file legal charges against them if I dont get my funds back and my account cleared of all debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation