vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I am attempting to refinance my home mortgage through XXXX XXXX. They have been great- up front, honest, and great attention to detail. The trouble is with my current mortgage servicer, Select Portfolio Servicing Inc. We ( XXXX and myself ) have requested documentation concerning a modification agreement or deferral that was made on my mortgage. They have provided us with documents that do not pertain to this agreement including copies of documents that were never signed. Since my new mortgage is time sensitive this has become a major hurdle. I, myself, have been on the phone to them at least XXXX times in the last XXXX weeks and still no document has been provided to me. Could you please assist me in obtaining the document I need. I personally believe Select Portfolio is withholding this document to keep me lock into their high interest adjustable rate mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX, MI XX/XX/2023 Credit Reporting Agency/Bureau City , State, Zip RE : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It May Concern : On XX/XX/2023, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
If you have any questions or need additional information, please contact me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: NJ

Complaint narrative:
XX/XX/XXXX I submitted an online dispute with Transunion regarding XXXX XXXX card service charge off-collection stating that I have a victim of identity. I attached the following : FTC ID THEFT Report, XXXX XXXX form and Division of Taxation notification ( Ref # XXXX ) to Transunion. 

Between XX/XX/XXXX, XXXX XX/XX/XXXX, the major credit reporting agencies ( CRAs ) responded. Transunion denied to block the information from being reported. Transunion wrongfully assumed misrepresentation, error or receiving goods for completing the transaction. 

XX/XX/XXXX @ XXXX XXXX  ) I visited XXXX Police Department XXXX XXXX Precinct. Sergeant XXXX reviewed the aforementioned documents and stated that I needed to retrieve proof of XXXX XXXX transactions from statements in order for the investigation to proceed. 

So I Called XXXX XXXX ( XX/XX/XXXX @ XXXX XXXX  ) credit dispute resolution center and spoke with XXXX XXXX who confirmed that there was identity theft note in my file. I requested documents then I was transferred to XXXX. XXXX did not have the right address. So I updated my address on file first. Next, XXXX stated XXXX XXXX XXXX XXXX not have transaction records anymore ; records were sent to the Attorney. I Called the attorneys office, XXXX & XXXX ( XX/XX/XXXX @ XXXX EST ) requesting documents from XXXX XXXX I never received the documents. 

The creditor grantor ( XXXX XXXX ) does not have the original records and Transunion did not verify methods of investigation. 

I, XXXX XXXX XXXX XXXX am a natural human being and I have autonomously typed this complaint.

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 2023-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XXXX of XXXX a salesman for XXXX XXXX named XXXX knocked on our front door selling Solar Panels Program. We listen to his offer and accepted it to get Solar Panels installed, grid attachment equipment, Solar Panels, and the Loan Financing program to pay for it all. The loan financing involved a {$49000.00} loan paid for over multiple years. The federal tax rebate was additional incentives described to us to further sell the program. We were told or offered that if we gave them a large portion of our rebate the interest rate of the loan will not amortize to a higher interest rate within an 18 month period. We accepted that offer and signed the loan papers. The loan amount was set at {$140.00} per month till it was fulfilled. If it amortized it would increase to $ XXXX per month till the loan matures. The rebate example agreed in question was 26 %, the IRS increased it to 30 %! The catch was no matter how much you made the rebate was not all paid the first year of the loan. 26 % was roughly {$12000.00} to {$14000.00} to be paid directly to the loan company within 18 months of the loan start. What we discovered was we only got a portion of the rebate because we didnt have more that was setback for refund by the government. The loan company knew this knowing that the loan would amortize to a higher rate because they knew consumers never got ALL of their rebate the first year anyway knowing that if we knew this we would of never signed that agreed to get Solar Panels know it was too much for us to pay like that!! Salesman : XXXX XXXX XXXX : XXXX XXXX XXXX Amount : $ XXXX Rebate at 30 % : {$14000.00} Year XXXX Tax Refund : {$4500.00} XX/XX/XXXX loan amortized to $ XXXX monthly. 
Finance Company : Goodleap They presented a fictitious and illegal instrument for us to sign knowing it was impossible to fulfill by IRS rule!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received an UNSOLICITED credit card from Wells Fargo Bank. That is ILLEGAL! 
I filed a complaint with CFPB, XX/XX/23, # XXXX. 

I requested that Wells Fargo notify me, IN WRITING that they DELETED my UNSOLICITED credit card account and removed all of my personal info from their system. 
So far, they refuse. The CFPB apparently does nothing. 
Now, I have received an email from Wells Fargo and it states they UPDATED my information! 
I did not request that they update my information, I requested that they DELETE the illegal, UNSOLICITED account they created in my name. 
It gets worse. the 'update ' includes a new address, not the address they sent the unsolicited credit card to. It is from an old address, in another state, from over 10 years ago, when I was unfortunate enough to have an auto loan with the criminals at Wells Fargo.

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 2023-11-14 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: CA

Complaint narrative:
I sent a dispute letters to credit bureaus about fraudulent inquires attached with FTC report and driver license for them to remove inquires that were not authorized by me which they ignored.

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 2023-11-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion did not provide adequate service referring freezing my accounts. Other agencies were able to obtain my information and when I spoke to someone I didnt get any answers but had me transferred to different departments and most of the credit inquiries I had disputed was either ignored or came back verified which is in violation of the FCRA because disputes was not investigated at all

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Propel, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 me and my wife went on a weekend getaway. We went out for dinner and I used my card to pay at the restaurant ( XXXX XXXX XXXX ) in XXXX California. As we were walking back to are hotel my phone started pinging with notifications from my card company that some one in ( XXXX California ) was withdrawing {$100.00} increments out of an ATM at a XXXX. A total of {$500.00} was withdrawn, I tried to call the card company but they are closed on weekends so it was Monday the XXXX when I reported that there was fraudulent charges on my card. The fraud department notified me that they were not going to refund my money saying I was the one who made the withdrawals. I argued with them that how can I be in two different towns at the same time. On the XXXX I only used my card that day at XXXX XXXX XXXX in XXXX California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX phone services put a charge through on my card. I no longer use their services, and tried to cancel through XXXX and they told me there was nothing they could do to refund my money. I called Netspend, my card company and explained to them the problem, they opened an investigation and my money was returned, I was assured they, XXXX, would not be able to do it again. Well they have done it again and I can't keep going through this for a service I no longer use.

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 2023-11-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXXXXXX  I submitted an online dispute via XXXXupload including the following : FTC ID THEFT REPORT, IDT 100 form, Division of Taxation notification. and a written statement. Between XXXX, the major credit reporting agencies ( CRAs ) responded. On XX/XX/XXXX Experian denied to block the information from being reported. Experian wrongfully assumed misrepresentation, error or receiving goods for completing the transaction and requested document that was provided with the dispute ( FTC report or police report, specific account, address and identity ). 

( XX/XX/XXXX @ XXXX EST ) I visited XXXX Police Department , 6th precinct. Sergeant XXXX reviewed the aforementioned documents and stated that I needed to retrieve proof of XXXX XXXX transactions from statements in order for the investigation to proceed. So I Called XXXX XXXX ( XX/XX/XXXX @ XXXX EST ) credit bureau dispute resolution center and spoke with XXXX , who confirmed that there was identity theft note in my file. I requested the necessary documents to no avail, then I was transferred to XXXX. XXXX did not have the right address on file since before XXXX. So I updated my address on file first. Next, XXXX stated that XXXX XXXX does not have transaction records anymore ; records were sent to the Attorney. I called the attorneys office, XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX @ XXXX EST ) requesting documents from XXXX . I never received the documents and Experian did not provide proof of methods used to investigate. I am a natural human being and I have autonomously created this complaint. 

I have included the following : proof of address ( Dept of Edu document ), proof of identity ( passport ), Experian " identity theft block '' denial letter, copy of my IDT 100, copy of my FTC Report, Division of Taxation notification

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 2023-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXXXXXX  I submitted proof of identification, FTC ID THEFT REPORT, IDT 100 form, Division of Taxation notification. and a written statement. Between XXXX, the major credit reporting agencies ( CRAs ) responded. Equifax denied to block the information from being reported. Equifax wrongfully assumed misrepresentation, error or receiving goods for completing the transaction and requested document that was provided with the dispute ( FTC report or police report, specific account and identity ). 

( XX/XX/XXXX @ XXXX EST ) I visited XXXX Police Department XXXX XXXX precinct. Sergeant XXXX reviewed the aforementioned documents and stated that I needed to retrieve proof of XXXX XXXX transactions from statements in order for the investigation to proceed. So I Called XXXX XXXX ( XX/XX/XXXX @ XXXX EST ) credit bureau dispute resolution center and spoke with XXXX , who confirmed that there was identity theft note in my file. I requested the necessary documents to no avail, then I was transferred to XXXX. XXXX did not have the right address on file since before XXXX. So I updated my address on file first. Next, XXXX stated that XXXX XXXX does not have transaction records anymore ; records were sent to the Attorney. I called the attorneys office, XXXX & XXXX ( XX/XX/XXXX @ XXXX EST ) requesting documents from XXXX . I never received the documents. 

Equifax did not provide methods of investigation or thoroughly investigate the dispute. If so, Equifax would have known that my information was compromised in XXXX during the Equifax Data Breach ( Claim # attached ). 

I am a natural human being and I have autonomously created this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NY

Complaint narrative:
Hello, My name is XXXX XXXX, and I'm writing to request that the following items be removed from my TransUnion credit report. My current credit report has a list of the items I need removed. Ive unfortunately been a victim of identity theft and did not request the described inquiries. In order to improve my credit report, I request that the items be removed. I have copies of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can. Below are the fraudulent 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 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 2023-11-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Someone is applying for cats and mortgage in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NY

Complaint narrative:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

XXXX : - XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX  - XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX  - XXXX XXXX  ( Bank ) XX/XX/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 2023-11-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have an AMEX prepaid gift card with {$500.00} on it, and have been unable to use it anywhere. AMEX is refusing transactions with so many vendors, both online and in person, the card is a ripoff and American Express is stealing the funds on it. This situation is unbelievable and irresponsible on the part of AMEX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
One day a guy asked for my info pretending to be a rep attorney for the treasure of the arrest something like that and didnt send info two days later another person is messaging me and its asking for {$50.00} of my money for a gift card its saying that its a lawyer rep for the samthing thing and its threating me with arrest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: GLOBAL CREDIT UNION
State: AE

Complaint narrative:
I made a withdrawal in euros from a Global Credit Union ATM on XXXX XXXX XXXX, XXXX on XX/XX/. At no time was I informed of any fees, exchange rate, or what the total amount I would be charged on screen, on or around the machine. Upon receiving the receipt, I saw the total amount in dollars I was charged, with an exchange rate that I would have declined if known. 

I have informed that branch in person, and was told " there have been several complaints '' of the fees and rates no displaying and that there is a has been a " a work order '' submitted for the ATM 's. The same issue occurred once before 4 months ago when I first used one of their ATM 's, though I did not notice the subpar rate. 

This XXXX XXXX XXXX primarily serves American uniformed personnel and their families while overseas. It's upsetting to see them swindle customers out of money by being deceitful in disclosing the exchange rate and total after the transaction is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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