vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This is a follow up to original complaint I.D . Number XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX Foreclosed On Homes A quarterly filing with the Securities & XXXX XXXX XXXX XX/XX/XXXX revealed that Wells Fargo XXXX XXXX error in denying mortgage modifications to hundreds of borrowers. The securities filing says that Wells Fargo discovered a calculation error in its automated software for calculating whether a borrower should be offered more favorable loan terms in lieu of foreclosure. Wells Fargo says the error affected XXXX homes that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX. 

In XX/XX/XXXX, Wells Fargo revised its estimate, announcing that the miscalculation actually affected XXXX homes that were going through foreclosure between XX/XX/XXXX, and XX/XX/XXXX. This was a system error on there part. 

I was improperly denied mortgage modification and they would not accept my payments via phone for some reason. It would literally always be a hassle whenever I physically stepped into a wells fargo branch located at XXXX XXXX XXXX XXXX XXXX XXXX. I was wrongfully foreclosed on due to Wells Fargo not being able to implement and maintain the proper software and protocols to correctly determine whether a mortgage modification was required under federal regulations. This was a system error. The home was never vacant. We traveled out of state to arrange and attend my mother in laws funeral and returned home as planned XX/XX/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 2023-05-10 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: LA

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-05-10 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: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-05-10 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: IN

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. ( XXXX, XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-05-10 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: GA

Complaint narrative:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

Inquiries : 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  These inquiries are fraudulent, unverifiable, and in violation of consumer rights.

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 2023-05-10 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: GA

Complaint narrative:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my EQUIFAX, XXXX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

Inquiries : XXXXXXXX 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 These inquiries are fraudulent, unverifiable, and in violation of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NM

Complaint narrative:
Last year while I was with Amerihome mortgage, after much trouble due to miss information given to me by their account agents, I made a large payment in XXXX in order to pay down my principal. Once the payment went through, I spoke with an agent who informed me that the payment amount would be reworked, and he gave me no further information. I did not know at the time that it was called a recast, and that there was a fee attached to it. The agent gave me none of this information. 

When I went online XXXX XXXX to make my payment and saw that the amount and not changed, I immediately called them to complain. It was at that time. They told me that I had to make a formal request to have the payment recast. This is the first time I had heard that term I was not given any information regarding a fee in any way shape or form. I then wrote a letter and signed it, asking for the recast. It was emailed to them in around XX/XX/XXXX. Shortly there after I got a note from them telling me that my mortgage was being passed off to The XXXX XXXX 

I called him XXXX XXXX  to ask them about the payment amount, and they informed me that my note could not be recast for another XXXX months, that it would cost me {$300.00}, and then I would need to pay another large sum towards the principal. Needless to say this ticked me off to no end, but as I was very busy at the time, I figured I could make it through another XXXX months of payments. At Least they gave me accurate information, which I can not say for Amerihome mortgage! 

But no!! Just as the XXXX month period rolls around, they passed me off to yet another company, who is giving me the same story! I feel like I will never be able to get this fee reduced, and it is really eating my lunch. I hope you can help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-10 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: NY

Complaint narrative:
Accounts Disputed : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Please Advise I was never late on the accounts listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply proof please delete these alleged late payments from my credit report. These are invalid late payments being reported. The FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
on XX/XX/XXXX a fraudulent hard inquiry was made online to XXXX XXXX XXXX XXXX thru Synchrony Financials XXXX Upon disputing synchrony on XX/XX/XXXX i told me they will send the paperwork to XXXX to remove the inquiry and it will take 90 days. I called them on XX/XX/XXXX to follow up why is it still not removed, they said it is being done and be patient with them. Its XX/XX/XXXX i called them again, was on hold for an hour but they kept transferring me. XXXX Bank and very unprofessional. just a waste of 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 non-monetary relief
Consumer complaint received 2023-05-10 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: IL

Complaint narrative:
I have attached the necessary documents to support my claim, I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Receiving multiple robocalls daily for weeks from Synchrony Bank trying to call someone using my cell phone number to collect a debt. We have called and given our information and that we do not owe any money or have a debt with Synchrony Bank. When we call, they agree it is not our account and that they will stop calling, but they do not. I have had this phone number for years.

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 2023-05-10 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: FL

Complaint narrative:
I have not received any result of the investigation and my complaint was closed. Again these are the account appearing negatively on my report and I demand that you do an investigation and delete these Items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-10 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: FL

Complaint narrative:
I have not received any result of the investigation and my complaint was closed. Again these are the account appearing negatively on my report and I demand that you do an investigation and delete these Items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: PA

Complaint narrative:
My privacy rights as a consumer are being violated by unwarranted credit reporting that is optional pursuant to the Fair Credit Reporting Act. XXXX and Experian is reporting, selling, and communicating false debt without my consent. My credit report is inaccurate and is causing the consumer significant harm. I demanded several times that XXXX and Experian send the description of their reinvestigation of a disputed account that they said was a verified account. These charge off XXXX  XXXXXXXX accounts are not mine. They refuse to send me proof of who verified these alleged accounts, who they spoke with, and the documents used to verify alleged debt. Credit reporting is not mandatory by law, and XXXX & EXPERIAN have my information without my consent and have not received permission from myself the consumer. Both companies are showing transactional history between consumer and alleged creditor in which all transactional history my be excluded from 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 2023-05-10 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: PA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX opened on XX/XX/2018 Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2023-05-10 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: NY

Complaint narrative:
Accounts Disputed : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Please Advise I was never late on the accounts listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply proof please delete these alleged late payments from my credit report. These are invalid late payments being reported. The FCRA allows 30 days for this to be rectified.

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 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America won't send me my new card with collections money

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 2023-05-10 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
The last week of XXXX I called Chase Bank to advise them that I would be using my charge card on a trip to XXXX and that I would specifically be using it for a car rental. I asked if I could do that and asked if the card provided me with collision protection insurance for the car rental. I was told yes, I could use my card in XXXX and that one of its benefits was that it provided collision insurance on car rentals. I arrived in XXXX about a week later on XX/XX/2023 and when I went to pick up my car rental and tried to pay for it with my Chase charge card, the charge was declined. I thought surely that was a mistake because I had already cleared with Chase and very specifically told them I would be using it for this exact purpose but when the care rental agent tried the card again, it was again declined. I think he tried it 3 separate times and each time is was declined. I tried to call Chase on the spot to get it resolved but was not able to get through to the XXXX phone number on the back of the card. I was traveling with 4 other people and we needed to rent the vehicle and be on our way so one of my travel companions offered to put the charge on her credit card but, unfortunately, her card did not offer the collision protection insurance so we were forced to buy the insurance from the car rental company for the amount of XXXX XXXX which is approx {$580.00}. It wasn't until XX/XX/XXXX that I was able to get through to somebody at Chase to get resolution on the security block on my card. However, it was too late at that time to do anything about the insurance that we purchased in order to dive away with the car on XX/XX/XXXX. When we returned the car on XX/XX/XXXX, I was able to transfer the car rental charges from my travel companions card on to my card but again, was still on the hook for the {$580.00} that I would not have had to spend had Chase not made the mistake in the first place. I've contacted Chase several times ; have spoken to several representatives ( one of them even hung up on me ) and the conclusion for each is that there is nothing they can do for me. If they had honored the charge, which I had previously and very specifically told them I would be making, I would have not been in the position of having to pay this expense so I feel that because I did everything right, especially in notifying them of my intentions, and it was their mistake that caused me to incur this expense, that they should reimburse me for the amount of this expense which is approx {$580.00} based on current euro to dollar exchange rates. Can you please help me to get Chase to do the right thing? Thank you! XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
I have gotten several emails welcoming me to Fortiva, stating I have a payment scheduled for {$99.00}. I have never heard of this company, and I havve one credit card in 4 years or more. 
When I called I was asked to supply last 4 of my SS, zip code, first and last name. When she was not able to find an account under the last 4 of Ss number and zip code I refused to provide more information that may allow an account to be linked to me via fraud. I also called from a phone not registered to me as I suspected it to be fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: GA

Complaint narrative:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, EXPERIAN, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

Inquiries : 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 These inquiries are fraudulent, unverifiable, and in violation of consumer rights.

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 2023-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the fair credit reporting act. This creditor has violated my rights. Under the 15 usc 1681 Section 602 states that I have the right to privacy. 15 usc 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish my account without my written instructions. Under the 15 usc 1666B a creditor may not treat a payment under an open consumer report account as late for any purpose.

Company response to consumer: Closed with explanation