vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NM

Complaint narrative:
During our building process we have had a number of issues with our local office. We have communicated the issues to the mortgage company and have had little to no resolve pertaining to our issues. The difficulty and confusion that we have faced has been unacceptable. We have not been informed of issues and or lied to during our building process. Our local staff that has handled the home has been very hit or miss, mostly miss. Contractors have been able to do what they want when they want or nothing at all. The manufactured home inspection by the state has had delays and or excuses why it could not be done. I will be homeless in a few days ( XX/XX/2024 ) because I was told that we would be moving in on XX/XX/2024 and our home is yet to be inspected and or passed. The home I am currently in has new residents that will be renting it on XX/XX/XXXX. I am a veteran and a father of XXXX small children.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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:
In accordance with the Fair Credit Reporting Act. XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602a. States I have a right to privacy.

15 USC 1681 section 604a. States I have the right to dispute any information I believe to be incorrect, outdated, or unfairly reported.

15 USC 166b. States a creditor may not treat a credit card account under a consumer plan as late for any purpose.

15 USC 1692g. states the vailation of debts USC sectio 1681e ( b ) reporting agency prepares a conssumer report it shall follow procedures to assure maximum possile accuracy of the information concerning the individual account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2024, XXXX {$100.00} bills was tried to deposit into a chase ATM at their bank location. After the ATM took the {$600.00}, it didnt said it was deposited or anything other than a little receipt came out to call XXXX. I parked the car in their parking lot and called to filed a claim. They put in the {$600.00} into my account but on XX/XX/2024 they took the {$600.00} back saying during their investigation they cant find the {$600.00}. I call and had the investigation reopened but was closed again. Was told XXXX is not responsible for the customer to used their ATM, the ATM at chase bank location is owned by a XXXX party. The XXXX XXXX told them they didnt find the missing {$600.00} and that was it. I asked if chase look at the video from the ATM, and was told they dont have access to that during their investigation. The manageXXXX at XXXX XXXX department told me theres nothing the bank can do and its on me for using their ATM and wont give me anymore information on what to do next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On several occasions, I asked ExperianXXXX, to correct the matter. They have let XXXX XXXX, to falsely and fraudulently report false information to my consumer report. They have continued to let them destroy my credit, cause me sleepless nights, and other hardships by reporting 120 days late when in fact I have a document and proof that they received {$20000.00} on XX/XX/XXXX, {$4600.00} on XX/XX/XXXX, and XXXX on XX/XX/XXXX. Today 's date is XX/XX/XXXX, with 3 months of consecutive payments it's impossible for me to be 120 days 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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX and I entered into a loan modification agreement. 
I sent back all information as requested and Wells fargo claims that a page is not notarized. 
I continued to make all payments at bank for 6-8 months and then Wells Fargo refused to take payment and never notified me why. 
I tried for months to learn why it was rejected. 
Finally in XX/XX/XXXX a service person told me that Wells Fargo had a clerical error. 
I inquired what it was and I was told that a paper notoarized was rejected and that another package was sent out in XX/XX/XXXX via XXXX. 
I never recieved that package or had knowledge that package was even sent. 
The FedEx number Wells Fargo provided is not in FedEx system. 
Wells fargo can not provide any signature that package was received. 
Now they are bulling me and have started court actions. 
I want to pay my mortage and move on. 
They want to start a new deal at a rate that I do not want to afford.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today, I write to you not just as a concerned consumer but as someone deeply troubled by how my alleged debt, associated with XXXX XXXX XXXX ( XXXX ) under account number XXXX, has been reported and validated in my credit report. My request, rooted in the Fair Credit Reporting Act ( FCRA ), seeks not only a traditional validation of this debt but also an in-depth explanation of the sophisticated methods you've used to verify and report this information. Could you please share how you use advanced technology, like AI or machine learning, to check and cross-reference data? It's crucial for me to understand how these tools help ensure the information on my report is accurate and how you prevent any possible biases in these automated processes. I'm interested in how you track the origin and handling of my debt information, especially as it moved from XXXX to XXXX and then to you. If there's a high-tech system, like blockchain, ensuring this data remains unchanged and authentic, I'd appreciate insights into how it works.It 's vital for me to see documentation that proves your algorithms and processing methods are in full compliance with the FCRA. I'm particularly interested in how you ensure the fairness and privacy of my information, as outlined in the law. 
Lastly, I'd like to understand both the automated and manual systems you have in place for when consumers, like myself, dispute their credit report information. How do you guarantee these disputes are handled fairly and transparently, in line with legal requirements? 
The impact of potentially incorrect debt reporting on my financial wellbeing can not be overstated. It affects my credit score, my ability to obtain loans, and my overall financial freedom. Therefore, I kindly ask for your prompt attention to provide the requested information within 72 hours. Failure to do so will leave me no choice but to seek further action, I trust you understand the gravity of this situation and will respond with the necessary information and a clear path towards resolving any inaccuracies. Your cooperation in maintaining the integrity and accuracy of consumer credit reports is not only appreciated but essential. 
Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
ChexSystems placed a security freeze on my report without my authorization and have failed to provide the pin I need to life it. The pin they claim they are sending out is not to me and the security freeze is causing me problems with my bank. I have called ChexSystems numerous times to have this fraudulent security freeze lifted and received whatever allege pin they have sent to me so I may have access to my consumer file. Do not ask for my identification it is attached to this complaint to verify my identity. My only address is XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX and that should be the only address you send correspondence to. My name is XXXX XXXX remove any other name that you may have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The negative items came back verified and are 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The negative items came back verified and are 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 2024-02-21 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: FL

Complaint narrative:
Good evening, This is my second attempt to fix all remarks below regarding each account. The account listed below have been linked to my credit report fraudulently. I have requested verification and validation under the laws of the FCRA and your office has failed to provide me those documents. At this time I would like to inform you that I have also contacted each company and they have also failed to verify these accounts. Regarding my last dispute your office stated that the accounts were Verified. However, who verified these accounts? 

Please see the fraud collections below Account name XXXX XXXX XXXX XXXX- Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account numberXXXX Account name XXXXXXXX XXXX XXXX Account numberXXXX Account name XXXXXXXX XXXX XXXX  Account numberXXXX  Account namXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

ATTACHED IS A COPY OF MY FTC REPORT REGARDING EACH ACCOUNT!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 XXXX am reporting a fraudulent inquiry found in 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX, we were informed by the contractor on our new home build that due to structural engineering issues, we would owe an additional {$9200.00} for footing excavation. I asked our lender at Regions the same day if it was possible to pay down the principal on the loan prior to conversion, as I assumed we would then be able to offset the additional cost. 

On Tuesday, XX/XX/XXXX, I attempted to pay the {$9200.00} through a local branch as instructed by the lender. They could not figure out how to pay it principal only, and instead approximately {$1900.00} went to an interest payment that was not yet due, and the rest went to principal. As the local branch instructed, I contacted the mortgage department to get it straightened out. That took ten days, during which they did not answer the phone and sometimes took more than 24 hours to respond to emails with questions. When they did respond, they often answered one question and ignored the others, even when presented in a numbered list. 

Time was important here as we were 91 % funded and thus paying 91 % of the interest for every month this dragged on. I had to reach out to someone who had previously worked on our account in order to get any answers. 

The builder submitted his final invoice on XX/XX/XXXX, which included the overage. With some savings we found elsewhere, the overage came out to {$7500.00}. I reached out to the bank on XX/XX/XXXX to ask if there was anything special we needed to do about the overages. My question was not answered. I attempted to ask multiple times and was ignored, until that team finally stopped answering entirely. 

On XX/XX/XXXX, we were notified that our account had been transferred to a new team. On XX/XX/XXXX, that new team reached out to the builder, not us, to inform him that they would not pay the {$7500.00} overage, which we had already paid {$9200.00} down to cover. I again asked about this and received a call later that day, in which I was informed for the first time that Regions does not cover overages, that we could not get our {$9200.00} back, and that there was nothing else they could do. 

We now owe an unexpected $ XXXX and are continuing to be charged interest while they shuffle us between teams and drag their feet on converting the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital Bank has caused my checking account to be closed. I have 5 direct deposits to this account. It has been 15 days since they made this decision. I have no money. I have Two credit cards one of those cards is secured and you must know all of my money goes to my savings account and it closed too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I applied for no interest financing with XXXX XXXX and they directed me to Sychrony bank for credit approval. I have a credit score above XXXX, only one credit card with a {$0.00} balance and I have never been late on any payments, yet I was denied. 
Scychrony requested a selfie video and a copy of my drivers license. 
I was very uncomfortable making a video and think this is unnecessary since they require a copy of your id. 

Now I have this hard inquiry on my credit and a denial. I have never been denied credit and this does not make sense. This appears to be discrimination because I do not have any negative marks on my credit report and there is no reason to deny someone with an excellent credit score. 
I called them and they would not give me an explanation of the denial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602a. States I have a right to privacy.

15 USC 1681 section 604a. States I have the right to dispute any information I believe to be incorrect, outdated, or unfairly reported.

15 USC 166b. States a creditor may not treat a credit card account under a consumer plan as late for any purpose.

15 USC 1692g. states the vailation of debts USC sectio 1681e ( b ) reporting agency prepares a conssumer report it shall follow procedures to assure maximum possile accuracy of the information concerning the individual account.

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