vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am once again filing a complaint against Wells Fargo, regarding the Settlement with CFPB from XX/XX/XXXX. 
I believe I should be a party to this settlement. I have documentation showing that Wells Fargo purposely withheld vital information on a modification to my mortgage in XXXX. By withholding this information, they misled me on the potential terms for the final modification. Additionally, there was no information provided as to potential consequences to starting the trial modification process. The organization took advantage of a borrower in a dire financial situation. They are denning that I should receive any portion of the settlement. They are refusing to accept the documents that I have repeatedly submitted, as to proof that they misled and withheld information. They keep saying I don't fall into their guidelines Yet, they refuse to provide their guidelines, stating that the information is proprietary. 
So I am asking CFPB to get involved. WF is playing their same crooked games as they have been charged with by the CFPB.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I spoke with XXXX with Agent ID at XXXXXXXX XXXX  on XX/XX/XXXX. I contacted Toyota Financial today to go over my payment history. I asked from my first date of delinquency. I noticed that there are areas where there is no data. 

Here is what I gathered from XXXX to the end of the loan. I already requested this in writing and it should be emailed to me in one to two business days. 

XX/XX/XXXX {$440.00} reversed then I paid {$1100.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$560.00} XX/XX/XXXXXXXX XXXX  {$50.00} XX/XX/XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$380.00} XX/XX/XXXX {$200.00} XX/XX/XXXXXXXX XXXX  {$200.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$100.00XXXX XXXX XXXX {$370.00} ( XXXX extension requests ) XX/XX/XXXX {$130.00} XX/XX/XXXX {$100.00} ( 2 extension requests ) XX/XX/XXXX {$180.00} XX/XX/XXXX {$300.00} XX/XX/XXXXXXXX XXXX  {$410.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXXXXXX XXXX  {$450.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment ( extension request 2 months ) XX/XX/XXXX {$1100.00} XX/XX/XXXX ( requested 2 extensions ) XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$560.00} XX/XX/XXXXXXXX XXXX  {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$280.00} XX/XX/XXXXXXXX XXXX  {$280.00} XX/XX/XXXXXXXX XXXX  {$560.00} XX/XX/XXXXXXXX XXXX  skipped but payment made for XXXX XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: KY

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I keep receiving e-mails from Resurgent capital services. I requested a debt validation, cease and desist and correspondence via mail only. I also requested a purchase agreement showing proof that the company can collect the alleged debt. They have ignored my email and keep on sending me emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I noticed on XX/XX/XXXX that my Bank of America Visa credit card balance had gone from {$9400.00} to {$27000.00} over my credit limit of {$24000.00}. 
I called and reported a fraud dispute which they quickly removed from my account, but now the balance has gone back to {$14000.00}. The only thing they tell me or send to me says that the purchases have been credited by the merchants so Bank of America has removed their credits, but I did not make these purchases. 
Im not getting any call backs from management as I have repeatedly asked for. 
Ive been told that I am not responsible for making payments or late fees, yet these keep being added to my account since XXXX in addition accruing interest charges.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I have been requesting over and over to have my personal information updated as it is reporting inaccurately.

I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate!!

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX XXXX. 
Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XXXX  Please remove any other dates or years you have listed. 

My employers name is as follows : XXXX XXXX XXXX Please remove any other employers that you have listed. 

Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX Date of Birth : XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX Enclosed : Photo ID, Proof of SSN, Proof of Address

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 2023-11-06 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: GA

Complaint narrative:
Hi, I have been requesting over and over to have my personal information updated as it is reporting inaccurately.

I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate!!

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX XXXX. 
Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/1993 Please remove any other dates or years you have listed. 

My employers name is as follows : XXXX XXXX XXXX Please remove any other employers that you have listed. 

Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX  After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX Enclosed : Photo ID, Proof of SSN, Proof of Address

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 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
In XXXX of this year, my XXXX XXXX mortgage was transferred to Mr. Cooper. Mr. Cooper assured me everything would be transferred appropriately and nothing would change. 
On XX/XX/2023, I received a bill from my state treasurer saying I owed property taxes I previously had them paid in escrow with XXXX XXXX. 
Mr. Cooper did not appropriately transfer my mortgage effectively screwing me with a massive bill right before the holidays. In addition, they are completely shut down due to cyber attack and are not available to work with during this. So far, Mr. Cooper has displayed nothing but incompetence with my identify and my money and I want to file a complaint that I was absolutely not in control of any of this and now I am being punished.0

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MD

Complaint narrative:
NTL Recovery agency placed a false collection account on my credit reports. I contacted the agency and they had no information that related 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 non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XX/XX/2023 Hello, I have an American Airlines AAdvantage Mastercard ( Barclays ). 
The purpose was to earn award miles to help with travel cost. 
I have a son in XXXX and want to help him with holiday travel cost. 
They offer a gift or transfer option for the miles. 
I was going to gift XXXX miles to my son and guess what they want to charge me {$900.00}. 
So, I tried the transfer option surely, they wont charge me for the miles I already spent my money to earn. 
Wrong the want {$450.00} for this option. 
Not to mention the fact that the mileage ratio is a joke you need XXXX mile to fly XXXX way XXXX to XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/23 XXXX XXXX XXXX XXXX ( displayed as XXXX ) fraudulently obtained my credit report. I never applied for credit, nor work near or shopping online at any of the stores they service. 

On XX/XX/23 the same thing happened with Capital One. 

I first tried disputing the fraudulent inquiries through all 3 credit Bureaus and they never removed the fraudulently obtained or innacurate inquiries. Then, I contacted each company. 

Capital One has opened a fraud investigation, but has not stopped reporting the inquiry after being notified of the FCRA violation. 

XXXX XXXX XXXX XXXX  does not even provide a phone number with their credit reporting information. I found two number via XXXX and both made it impossible to Report the FCRA violation. I have also provide written notice greater than 10 Days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Upstart Holdings, Inc.
State: TN

Complaint narrative:
Upstart issued a {$4000.00} line of credit to an ONLINE FRAUDULENT IDENTITY THEFT person who claimed to be myself. Loan apparently taken out/issued on XXXX On that date, I was already XXXX XXXX XXXX as XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. I am currently XXXX XXXX & my mother has POA. Upstart REFUSED to discuss ANY details on this loan with her, even though she is LEGALLY bound POA while I am enlisted. Upstart demands a police report - which they have been told REPEATEDLY THAT THERE IS NOT A POLICE REPORT filed since loan was fraudulently obtained online. My employer & residential address were INCORRECT but loan was STILL GRANTED with my full name & social security/dob. My POA has been working with all 3 credit bureaus to get this investigated/disputed/removed from my credit report. The derogatory comments from Upstart have not only RUINED my credit, but now my XXXX XXXX XXXX is in jeopardy & my XXXX rank are all being affected. After documentation was sent to Upstart by my POA, proving this loan is FRAUDULENTLY in my name & social security #, SEVERAL different times, Upstart STILL REFUSES TO REMOVE loan from my credit. I was forwarded to this site by XXXX ( via my POA on phone conversation XXXX  ) representative, stating once this is filed & received in paper form by XXXX XXXX that THIS LOAN WOULD BE REMOVED FROM MY CREDIT. I had already filed a complaint with XXXX  & FTC in XXXX XXXX  & 4 dispute/investigations later, the Upstart loan is STILL ON MY REPORT. Please help me rectify this erroneous fraudulently obtained line of credit loan by removing this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a federally protected consumer and on XX/XX/2023, I sent a certified letter to Experian in reference to the inaccurate bankruptcy information reported on my consumer report ( see Attachment A-1 & B-1 ). I requested Experian to provide me with who and how they were able to verify this information. Experian only responded via email with dispute results stating that the company reporting the information has certified the information is accurate. The problem with this statement is, bankruptcy courts do not report to the credit bureau as per their official website ( see attachment C ). Anything Experian is reporting is hearsay because they also failed to contact me to verify any information. I would like to know where Experian obtained this information if the bankruptcy court does not report to the credit bureau. Experian, as a consumer reporting agency have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

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 2023-11-06 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: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX and Transunion, has violated, my consumer rights by reporting a fraudulent account under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the accounts reporting are not authorized by me. Each Credit reporting agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information.

in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
At this time the account with XXXX XXXX, XXXX XXXX XXXX XXXX, continues to reflect on my credit file. I will be sending a notice of intent to sue regarding these accounts.

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 2023-11-06 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:
XXXX XXXX XXXX, Equifax Information Services and XXXX, has violated, my consumer rights by reporting a fraudulent account under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the accounts reporting are not authorized by me. Each Credit reporting agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information.

in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
At this time the account with XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, continues to reflect on my credit file. I will be sending a notice of intent to sue regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
DATE LAST ACTIVE and DATE OF LAST PAYMENT are incorrect and different on each of the Bureaus

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 2023-11-06 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: GA

Complaint narrative:
DATE LAST ACTIVE and DATE OF LAST PAYMENT are incorrect and different on each of the Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
DATE LAST ACTIVE and DATE OF LAST PAYMENT are incorrect and different on each of the Bureaus

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation