vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is in response to complaint XXXX that was submitted XX/XX/XXXX. The company 's only response was that some of the inquiries reported were not on my credit report- the only 2 inquiries that aren't there are XXXX XXXX and XXXX XXXX XXXX XXXX They failed to address the other inquiries in question. I received a notification on Experian saying that my dispute results were ready and that I had to call in to get the results. I called Experian and they stated that there were no items in the dispute report number that I gave them. For your reference the report number is XXXX and I will include an attachment of the report number as well. I am aware that all calls are recorded so the time stamp in which I called Experian is XX/XX/XXXX at XXXX. This is for your reference as well so that you can indeed fact check what the representative told me because at this point, I am now filing a complaint with the XXXX. I also filed a complaint with the FTC and I will attach that report. CFPB should make sure that companies are held accountable, and it seems as if this hasn't been the case. I am asking for all of the inquires listed in the letter be removed immediately. How are you reporting unauthorized inquiries against my will? How can a creditor pull my report without my knowledge. I was also involved in a data breach so how are you determining that these are my inquiries if I am saying otherwise? I will attach the letter along with the other documents I stated. If this is not handled in a timely manner, I will be seeking litigation. I will be asking to be compensated {$1000.00} per violation in which I have this right per FCRA. Please refer to the letter I sent informing you of the inaccurate inquiries.

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 2022-12-27 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: CarMax, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act convergent accounts below violated my rights to laws 15 U.S.C. 1681 SECTION 602A - Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A- Consumer report agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act convergent accounts below violated my rights to laws 15 U.S.C. 1681 SECTION 602A - Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A- Consumer report agency can not furnish an account without my written instructions.

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 2022-12-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no results.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have tried mailing and uploading these supporting documents but getting nowhere. Please pass these documents to XXXX, Transunion and 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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have tried mailing and uploading these supporting documents but getting nowhere. Please pass these documents to XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no results.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XX/XX/2022, I discovered information on my credit report was still reporting incorrectly. I contacted Equifax credit Bureau via telephone, Internet, and mail. Via telephone I was informed that I had to send information from the alleged creditor and a police report. I already had a police report concerning this fraudulent activity, but I was waiting on the letters from the creditors. On the XXXX of XX/XX/2022 I uploaded the needed information on Equifax dispute website. I also mailed a certified letter to Equifax credit Bureau on the XXXX of XX/XX/2022. The following information was uploaded and mailed to Equifax Credit Bureau : Michigan drivers license Social Security card letter stating what fraudulent information needed to be removed letters from the companies stating the information were incorrect updated credit report from Equifax showing fraudulent activity Also, I sent the same information to the other major credit bureaus. The other major credit bureaus once receiving my information, remove the fraudulent information. On the XXXX of XX/XX/2022 I contacted Equifax credit Bureau again concerning the fraudulent activities on my credit report. There was no positive outcome. It appears to me the representative was attempting to not correct my credit report and make many unfounded excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX, Equifax and XXXX are all reporting bankruptcy information that was obtained fraudulently and is also inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, it was obtained illegally and I demand to have it removed from my credit report, and # XXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, this information was also obtained illegally and I demand to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: OH

Complaint narrative:
XXXX, XXXX and Experian are all reporting bankruptcy information that was obtained fraudulently and is also inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, it was obtained illegally and I demand to have it removed from my credit report, and # XXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, this information was also obtained illegally and I demand to have it removed from my credit 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 2022-12-27 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: OH

Complaint narrative:
My rights has been violated, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX, I opened a mortgage with Wells Fargo Bank. I kept this mortgage for eleven years. During these eleven years I was constantly harassed by this company claiming I did not pay the mortgage. I received Foreclosure Notices Act 91 even when I was making payments on time to this bank. I was charged for home and property visits which never took place. In an effort to resolve these issues I called repeatedly to their representatives who were nothing short of nasty, lying and intimidating. 
Somewhere between XXXX and XXXX I applied for a Home Modification and was approved for three months. This brought the mortgage down temporarily to {$880.00} per month. After payments this amount I was later told the loan from them was in Foreclosure Act 91 for past due balances. Understandably, they were the ones who approved the Home Modification for {$880.00}. Once again I called repeatedly to Wells Fargo to resolve that my house was and the Act 91 Foreclosure they also wanted the monies back for the Home Modification. In other words, they claimed the mortgage was in arrears and I needed to pay them back the total amount. In my attempts and efforts to pay them back these claimed arrears they refused to accept the check ( s ) with the amount owed. They refused the checks and sent them all back to me. 
Unfortunately in XXXX I lost my house in XXXX XXXX After repeated attempts to call, write and speak to Wells Fargo representatives, but to no avail with this Wells Fargo Bank XXXX 
I would like monetary retribution to what wells Fargo has done to my family and I.

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 2022-12-27 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: AR

Complaint narrative:
Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 

" see attachment "

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 2022-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My bank XXXX XXXX wrote a draft to me th pay off my car loan to XXXX XXXX XXXX. After going over the check and appropriate signatures were attached. I mailed the check the same day via united states postal service. The was XX/XX/2022. I called XXXX Financial services several times asking why my draft ( check ) had not been applied to my account. They assured me that it would be applied and to wait 10 business days. I then called back at the beginning of XXXX and was told that it may have been applied to someone else 's account. I then waited to see if they recovered the funds. They finally called the week of XXXX stating the check was cashed at a Webster Bank and told me to contact XXXX XXXX which is my bank to have them see when it was cashed. I then reached out to my bank and was told it was cashed on XX/XX/2022. I went into XXXX XXXX and began the fraud investigation paper work. Since that time Webster bank has not responded to XXXX XXXX. I am now paying two car payments to two different institutions. My pay off was going to XXXX XXXX. It ended up on the East Coast. Upon XXXX  Webster/Sterling bank they are only on the east coast XXXX I really need help with this matter, this has been a nightmare. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America unknown to us froze our checking and savings accounts. Not notifying us. Sent email later stating bill pay wouldnt be impacted. XXXX XXXX XXXX XXXX XXXX VA has apparently filed a fraud investigation on a trust fund that I was durable power of attorney for XXXX XXXX XXXX and trustee for trust fund set up in XXXX of XXXX XXXX dollars. None of the money had been used. It was there for safe keeping for XXXX. I have taken care of him for almost XXXX years. Because of health reasons doctors at XXXX XXXX XXXX said he needed assisted living. Working with case worker, XXXX and his sister XXXX he was admitted into XXXX XXXX XXXX XXXX XXXX 
A XXXX XXXX friend XXXX claims to be his foster daughter. She is no relation at all. She has wanted to be POA but lives in VA. 
She came and took XXXX to several banks, he knew where the trust fund was. They went to Bank of America with no identification for either of them. No idea what was said but my accounts were frozen and I have no idea who has the {$90.00} XXXX dollars. I do not. I have sent copies of all legal documents to both the bank and credit union. All I get is its under investigation. No date that my money will be released so I can pay bills. These two institutions have totally financially caused us hardship since XX/XX/2022 with no explanation other under investigation. I need help

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XX/XX/2022, payment of {$710.00}. Reported as a 30 days past due. 

This is my first time requesting the 30 days past due to be removed in my XXXX, XXXX XXXX, and XXXX Credit Bureau Report. It was my oversight that I did not pay on time due to illness and not opening the mails. My payment are up to date and I pay the past due amount. I would appreciate it tremendously if to consider my request. As of today, I am up to date with my payments, and I will be carefully attentive to my bills. 
Thank you so much for your consideration to this matter. 
Sincerely, 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 2022-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I believe that Carrington Mortgage services , LLC have used deceptive and misleading and undisclosed practices and contracting that go against The TRUTH AND LEADING ACT, TITLE XXXX USC 1692a,1692b and 1692c. This put my family in serious harms way and has violated my Consumer Rights. 

account number : XXXX amount : unknown actions taken by Carrington Mortgage services , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was given an hard inquiry on what was described as a pre approval without credit inquiry then given on afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Hi, I am under a loan modification program through my mortgage servicer, Shellpoint Mortgage. They should be charging me no more than 2 % on my loan yet they charged 100 % interest towards my payment last month. I have called them repeatedly to correct the matter for the past few months, but they have not responded with a conclusion. Yet I continue to make payments and each one is being assessed the incorrect interest amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
***3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence. 

In my previous CFPB complaint, UWM responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX  and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which UWM rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because UWM 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask UMW to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from UWM and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.

Company response to consumer: Closed with explanation