vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: NC

Complaint narrative:
Last XX/XX/XXXX when the late payments showed up on my credit report I disputed them in an email and with the credit bureaus. 

I disputed them again when my mortgage statement showed my payments finally were posted after my loan modification was completed in XXXX. 

This XX/XX/XXXX, I submitted a copy of the CFPB letter stating that loans that we're not delinquent prior to forbearance should not be reported late. I sent that letter and my mortgage statement to the credit bureaus and sent XXXXXXXX XXXX XXXX an email too in XXXX. Unfortunately, nothing has helped. 

Then after reviewing my statements this month. I am trying to figure out where my three trial payments of {$2200.00}. Was credited to my main balance??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Last XX/XX/XXXX when the late payments showed up on my credit report I disputed them in an email and with the credit bureaus. 

I disputed them again when my mortgage statement showed my payments finally were posted after my loan modification was completed in XXXX. 

This XX/XX/XXXX, I submitted a copy of the CFPB letter stating that loans that we're not delinquent prior to forbearance should not be reported late. I sent that letter and my mortgage statement to the credit bureaus and sent XXXX XX/XX/XXXX an email too in XXXX. Unfortunately, nothing has helped. 

Then after reviewing my statements this month. I am trying to figure out where my three trial payments of {$2200.00}. Was credited to my main balance??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I contacted Transunion about inaccurate and outdated information on my credit report on two separate occasions.On XX/XX/2022, I spoke with an agent from Transunion named XXXX. I informed XXXX that Transunion has failed to remove inaccurate and outdated information and that by law they are suppose to remove any information older than 7 years. XXXX got very loud and told me that all the company could do was file a dispute and the information would stay on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

ALLY FINCL Bal. {$20000.00} Acct # : 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 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: FL

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

ELAN CACS CC XXXX. {$0.00} Acct # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX at XXXX in Ga place a balance of XXXX on my credit report, despite code compliance violations. The debt was sold to National Credit Systems. I made an initial payment of XXXX and the balance never updated until I asked to speak to a supervisor. The collections agent told me that it was not XXXX ' responsibility to update my balance, but it was my responsibility to provide proof of payment. She said that she saw the payment in her system, but it never updated until XXXX on XX/XX/2022. It is my belief that their business tactics is not report updated payments and it still shows a balance of XXXX on my credit report. The supervisor XXXX came on the phone and told me " to get it together '' after I inquired why my balance had not been updated. I also why did I have to show proof of my last payment if the system took it. The business should be responsible for accurate billing information including balance on account. I have not received any documents notifying me of my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: MD

Complaint narrative:
I am very upset and stressed right now, I recently checked my credit report and there is an account that doesn't belong to me and it is residing in my credit for quite so long already. I sent letters to the respective bureau about it last XX/XX/2022 but haven't receive anything in response. I felt I was being ignored and taken advantage, so I checked everything in order for me to address my concern and according to FCRA 611 ( 15 U.S.C. 1681I ) ( A ) - the investigation is just for 30 days only and the extension is for more than 15 days additional only, beyond those it gives the reason to immediately remove those items from my credit file. IT WAS MORE THAN 45 DAYS HAVE PASSED AND NOTHING CAME TO MY MAIL, EMAIL AND EVEN PHONE. THIS IS RIDICULOUS. THIS HAS TO BE STOPED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: NJ

Complaint narrative:
Transunion is breaking Federal Laws by furnishing late payments on 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 2022-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/2022 IAPPLIED FOR A SMALL BUSINESS LOAN ON WELLS FARGO XXXX XXXX XX/XX/2022 and XX/XX/2022 i started complaining and getting nervous about the process XX/XX/2022 I start calling the small business lending XX/XX/2022 i start sending emails, faxes, visits to the branch etc. 
XX/XX/2022 finally the bank start the process and starts reaching out to me XX/XX/2022 more problems, no communication. 
XX/XX/2022 They run my credit score for a second time when i was already approved and they call me to tell me they denied everything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: NJ

Complaint narrative:
Equifax is breaking Federal Laws by furnishing late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We are a military family and back in XXXX due to back to back XXXX we hit a hard time with finances. We lived in this property for over XXXX years and originally purchased the property for {$180000.00} and now you are stating we only paid {$5400.00} in XXXX years. This is when Chase Home Finance was marketing Home Loan Modifications to all soldiers to help them get back on track. We were living at XXXX XXXX XXXX XXXX XXXX  XXXX and we figured this would help lower the mortgage payments during this time which it did. We was behind about {$6200.00} and the payment went from {$1100.00} to {$1800.00}. Thus we had requested a loan modification to lower the payment and bring us current. There was no money that we received during the modification. We did not read the fine print of them taking {$45000.00} ( which I could not figure out how they came up with this number since we were only behind {$6200.00} ) to be added to the back of the loan and no payments we currently make would be made on this amount during our monthly payments being made. We did not discover this hidden part until we had to sale the house walking away with nothing except for the house being paid off. This is when Chase Home Finance shared this part with us when the pay-off amount was requested. They also explained the {$45000.00} was made up by charging us 115 % of the {$6200.00} we were behind on the loan. I know for a fact we are not the only military family they have done this too. We were at our lowest and I do feel they also did this base on XXXX XXXX XXXX XXXX XXXX  all this time we thought we owed {$120000.00} on our home when in fact we owed {$170000.00}. We are filing this complaint for this money back to be returned back to us from Chase Home Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX is incorrectly reporting me delinquent on my account when I am on a forbearance. They have damaged my credit. I have tried in every way possible to come up with a solution for them to have this removed for now and now they dont wan na work with me because of my credit. I need help with this. All three credit bureaus are impacted due to XXXX reporting this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 1 ) Account Name : XXXX XXXXXXXX Account Number : XXXX Amount : {$780.00} 2 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$660.00} 3 ) Account Name : XXXX XXXXXXXX Account Number : XXXX Amount : {$5100.00} paid by my insurance I also have XXXX insurance with them at the time 4 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$150.00} 5 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$760.00} 6 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$730.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Back in XXXX of this year, I disputed a collection account on my Transunion credit report from XXXX XXXX. This account had previously been deleted because it did not belong to me. Transunion reinserted this collection account back on my credit report without notification. Which is a violation of the FCRA of ( A ) ( 5 ) ( B ) ( ii ). When I notified Transunion of this violation, they returned the account as verified. That was not my request. It needs to be removed. Also, I'd like to ask, How was this account Verified? What was the method of verification? Where is the proof of this verification? I am requesting a hard copy of this proof with my wet-signature binding me to this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD

Complaint narrative:
I have been receiving text messages from citizens bank for a few months about a line of credit I supposedly had with them. I ignored as XXXX. I received a letter on XX/XX/XXXX saying I owed them {$1700.00} for an account called XXXX XXXX XXXX. I was told it was opened on XX/XX/2021. I or none of my family had opened this account. I have contacted them and provided all the documentation they requested. The only info I could get from them is the last 4 digits of the card since I never received any paperwork because I did not open the account. They have denied my claim now a second time and are not providing any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: IN

Complaint narrative:
FRAUD SCAM 911 People or cash app used the money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Good day, I purchased a XXXX BMW in XXXX XXXX, along with an extended warranty, I Traded the vehicle in less than four ( 4 ) months XX/XX/XXXX and was told I would be refunded for the extended warranty I purchased at about {$6500.00}, after 8 months of calling and re-submitting the request, I was told that BMW does not refund the warranty when a vehicle is traded in.. I was flabbergasted... well to make matters worse, did not like the XXXX BMW XXXX I purchased and ended trading it in on XXXX XXXX for a new XXXX well the dealer I went to never heard of such a thing, and attempted to contact BMW XXXX XXXX where I purchased the two cars, and got nothing but a run around, and the calls going straight to Voice Mail , additionally they had placed a notation on my record at the dealer to not speak with me. I now have paid to two warranties that I will never use. Can something be done to help get my money back? In my Opinion BMW of XXXX are practicing UDAAP. I have lost about {$11000.00}. 
Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I corresponded with Wells Fargo about a check cashed at Wells Fargo XXXX branch # XXXX around the date of XX/XX/2021. I indicated the check in question wasnt properly endorsed and cashed. They advised me that the check issuer is responsible for the funds and approval to provide funds for this check. I have spoken to XXXX XXXX who have advised me in writing that Wells Fargo is responsible for depositing an improperly endorsed check. The uniform commercial code governs the way that endorsements should be excepted. Wells Fargo provided an argument about a comma in the check endorsement making the check cashing valid. The check should have been endorsed with a or in between the recipients names for a single endorsement to be accepted as indicated by the Uniform Commercial code. 
The uniform commercial code clearly states that the check must be endorsed with or for the check to be deposited by only one party. This check was not written in this manner and was only cashed by one party, and I never endorsed the check. 
Im asking for a resolution on to this matter immediately. Clearly this check should have not been cashed or deposited as it was not properly endorsed. 
Wells Fargo didnt provide a response to a demand letter asking for a resolution or stating the reasons for not refunding the funds on this check as it was improperly endorsed and why the bank chooses not to follow the federal Uniform acts law which states your institution must comply with the uniform commercial code and standards for properly endorsed checks. 
This matter has cause significate issues in my life including large amounts of stress. I have had to take a considerable amount of time working on communicating with Wells Fargo on this issue. 
I ask your institution to recognize the mistake you have mad and immediately refund my portion of the check. 
The check in question was written XX/XX/2021. 
Check # XXXX By XXXX XXXX  # XXXX XXXX Paid to the Order of : XXXX XXXX, XXXX XXXX & XXXX XXXX Amount : {$3100.00}. 
Regards, 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 explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
XXXX hired Mandrich law group to contact me. The firm has contacted me by mail, and phone informing me that they are a law group hired by XXXX. I informed them I am a single parent of XXXX children I have been in and out of work. One representative was so rude to me that I hung up because he was so disrespectful. Today XX/XX/22 at XXXXpm a female op called I called her back and she was quiet over the phone and I explained my situation and how her reps were rude. I am single parent of XXXX kids I am trying hard to do my best but these contact calls and mail letters are a form of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I sent a letter to the credit bureaus as well as to the credit debt agency no one responded or sent any letters. I have asked twice for this. The credit bureaus said its an address on my account that the bill is attached to but, would not tell me the address. Which is strange. My current address is on my report report and I have asked many times to remove all other addresses attached me as this is not my home 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 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Capital Accounts , LLC has been illegally reporting on my credit report since XXXX. As I informed their company on several occasion I do not have a wet ink signature contract with them I have complained to XXXX and XXXX multiple times. Capital accounts is reporting that I owe {$4300.00}. When I asked Capital Accounts to give me a copy of the medical bill they provided me with a copy of a chiropractic medical bill with my name on it for the amount of {$3000.00}. The amounts are different and under FCRA .I demanded for deletion but Capital Account , LLC did not follow the law. Capital Accounts , LLC stated the account accures interest at the rate of $ XXXX.This violates HIPPA and FCRA for consumer privacy protection. I never gave permission for Capital Accounts , LLC to have access to medical records. 

This is my final attempt to resolve this matter without litigation. If they do not delete this account within 30 days I will sue them for damages dating back to XXXX. 


Capital Accounts , LLC XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX www.capitalbillpay.com

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