vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: DISCOVER BANK
State: CA

Complaint narrative:
Recently opened a fraud investigation for XXXX totaling over {$11000.00} from 6 charges that I did not make. Discover has recently asked for more information and I did speak to them on the phone. Just today they reversed a XXXX charges a $ XXXX temporary credit was reposted to my account without any notification why. There are still XXXX that are still temporary after 3 weeks into the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Fax : XXXX XXXX Contacted me offering to lower my home mortgage interest rate. 

months after XXXX mortgage stopped all communications with me and stopped my online account access for me to pay my mortgage. 

XXXX XXXX  XXXX informed me to start making them payments. That my new mortgage was {$1500.00} a month. 

After paying XXXX XXXX  XXXX for almost 2 years. 

XXXX I formed me that Carrington would take over my mortgage Carrington mortgage services LLC XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Carrington tells me that I need to start making payments to them starting XX/XX/2023 After calling Carrington to ask why I dont have statements online for me to see They informed me that my loan remodification application was being cancelled. 

I asked them if the loan re modification was to lower my interest rate like XXXX XXXX  XXXX informed me. 

Carrington tells me that the loan re modification is because I owe almost 2 years of mortgage I sent Carrington all the payments I made to XXXX XXXX XXXX  Carrington Informed me they do not know who XXXX XXXX XXXX is BUt in all the letters Carrington sent me XXXX XXXX XXXX  name was on it How can they claim they do not know who they are I called Carrington about a week ago asking what is going on with my mortgage since I havent heard from them They informed me on Friday that my home was in foreclosure They did not want to give me any more information I asked for the lawyer information that they were using for the foreclosure Carrington informed me they did not have that information They told me I had to go to county to find out for information After arguing with them for 20 minutes They decided to give me the lawyer information Carrington after giving me the lawyer information Asked me not to call the lawyer Since Im suspicious of everything going on On Monday I called the foreclosure lawyer At this law office XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I was informed by this law office that Carrington just put the foreclosure on hold and she was not able to provide me with no other information I need this to be investigated I seem to be scammed by XXXX XXXX XXXX  And Carrington and XXXX seems to be aware and working together with these people to take my home I want to know what lawyer I can trust and call to look into this matter After being scammed now they want to put my home in foreclosure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also called XXXX and made an application to chase during the pandemic to lower my interest rate and they ignore me I also requested a refinance and I was also ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: IN

Complaint narrative:
Experian continues to violate FCRA with stall tactics!!! they are refusing to acknowledge dispute letters sent by me in type format!!! i used a free website to type my dispute letters and i made that clear to them in the letter they still continue to STALL!!! 

STOP EXPERIAN FROM STALLING!!

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 2023-07-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Climb Credit Inc.
State: WY

Complaint narrative:
This person named XXXX from XXXX called in XXXX and at the time I was out of a job. Now I have a job thankfully and I'm trying to catch up on everything. This person calls me today while i'm at work, threating me telling me he is going to get off the phone with me and contact his client and tell them I won't cooperate and they can go ahead and push penalties on me. I asked him to email me the information about the debt, he said he isn't able to do that. He wanted me to hand over my debit card number and set up a date to collect. I don't feel comfortable about handing my card number out to anyone, especially when I don't have proof they are not a scammer. 
I told him I could not talk, because I was at work and I didn't want to loose my job. He kept telling me that I better call him back or he was going to contact his client. 
I asked him to email me a site or something that shows the debt and how to start paying it off and I would like to see a payment schedule. He said he doesn't have that he just needs to put my card in the system and charge it for what ever day I get paid. 
I didn't even catch the name of the company he is working with. 
He told me I better call him back after I get off work, I asked him for the number to call him back, he said I already gave it to you before. VERY RUDE! I told him I didn't appreciate him threating me. 
I listed the phone number he called me from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX had a dispute on my credit card due to balance showed when the card was paid off. 

Experian called XXXX and told my credit card company that fraud was going on my credit card in which it was not. 

Experian caused XXXX XXXX XXXX in which was closed and I did not call or email saying there was fraud on my account in which there was false statements made on my account. 

Experian also did not have my permission to claim fraud in which point there was no fraud done on my card. 

The dispute was about Experian not updating the correct amount and making false statements that was not called in as fraud and avoided what was the complaint made on the balance and Experian put a twist to the whole matter by creating false claims. 

XXXX XXXX XXXX XXXX XXXX negilent closing my account with no notice by Experian making false statements. 

There was no report made by me as stolen or fraud on my card by signature or a call to XXXX XXXX XXXX If the matter is not resolved I'm going to file a law suit on XXXX XXXX XXXX XXXX due to fair credit practice and false claims made by Experian and XXXX XXXX not calling me or BY mail. email or nothing closing my account by error and being bias to claims by not contatcting me. 

There is no balance nor any fraud that was done. 

What was committed was negilance due to false claims and being reckless.

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 2023-07-12 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: NC

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-12 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: NC

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
XXXX has caused damage to my credit card by calling Genesis/FS Credit Card I had file a complaint on XXXX not having the correct balance as {$0.00} XXXX has a balance showing when in fact there is no balance to the sad account. 

XXXX has major issues contacting Genesis/FS Credit Card and making false claims of fraud on my account. 

I was not contacted of any fraud by calls mail or email or phone alerts by Genesis/FS Card to the matter.

In which fact caused my account to close with a {$0.00} balance.

I have also filed US Attorney complaint as a XXXX  complaint on both Genesis/FS Card XXXX XXXX as bias reckless and fair credit act as to error made on false claims.

There is no call or email or letter or digital signature of me making claims of fraud or fraud was done on my account. 

There are other complaints on XXXX not been resolved as completed with mix names address phone numbers and accounts not updated as paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Credit Karma has incorrect information on my Credit Karma Credit Report, even though, their website says updated daily with XXXX and XXXX XXXX respectively. 

After checking XXXX, I noticed that Credit Karma is not providing updated information. They are listing old accounts which arent even listed on XXXX. 

Credit Karma updated my credit karma Credit Report daily, and just yesterday, they dropped it XXXX points after my complaint to credit karma about this issue. 

Credit Karma is attempting to operate as a credit bureau and credit reporting agency by creating their own scores, which differ from those listed from the source. 

Credit Karma is attempting to take control of my credit score and credit report.

Im not what companies would use credit karma now or in the future, nor do I know why credit karma is deciding to keep old accounts even though the source has removed them. 

I showed Credit Karma proof that my XXXX credit score and report does not match. They then changed what the website says and does. They said credit reporting agencies report to them monthly. 

If thats true, why are they lowering my credit score daily based on old accounts? 


Credit Karma is misusing their power and ability to provide credit reports and score through their website. 

I am seeking damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I requested my Chexsystems report, as I was recently denied a new checking account - funny especially since I just turned XXXX! Anyway, JERKS called XXXX XXXX  XXXX and Chexsystems have wrong information all over my " report ''. Not only that, when I disputed items such as inquires dated WAY BEFORE my XXXX birthday, they claimed to have investigated however left all the bogus information on my reports. They think they are " all that '' and they are WRONG and deserve to be shut down..! Also you can not re-investigate a dispute because they will not allow it, claiming that they did their job and all items were verified. NOT TRUE and I have never heard of anyone getting away with half-baked reporting. I want everything reinvestigated and I want to see all correspondence that " proves '' that a XXXX XXXX XXXX, opened or tried to open checking account when they were XXXX XXXX XXXX ...! And I am NOT going to take time out of my life to file reports with Law Enforcement, that is not MY job - that is their job.

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 2023-07-12 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: TN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

15 U.S.C. 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 explanation
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
SOMEONE WAS USING MY INFORMATION AS A COSIGNER AND LEFT ME WITH LOT OF HARD ENQUIRES I FOUND OUT WHEN THE BANK TRY TO VERIFY WITH ME ABOUT A MOGAGE TRY TO EXPLAN THAT TO TO TRANSUNION BUT IS ALWAYS A DEATH END XXXX JUMP ON IT QUICK AND RESOLVE IT SAME AS XXXX BUT TRANSUNION SEEMS TO NEGLECT MY CASE I TRY CALLING THERE FRUAD DEPARTMENT SEVERAL TIMES BUT NOTHING I REACH OUT TO THE CREDITORS THEY SAID THEY WILL FORWARD THE MATTER TO THE CREDIT BUREAU BUT NOTHING SEEMS TO HAPPEN.

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 2023-07-12 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
At XXXX on today, XX/XX/2023, I received an email from Wells Fargo Applications ( XXXX ) to my email address thanking me for an application filed on XX/XX/2023 for a Wells Fargo XXXX XXXX XXXX XXXX XXXX I made no application and am not otherwise, and have never been, a customer of Wells Fargo. I called Wells Fargo customer service at XXXX and reported the issue. The first representative took my name and email address. She confirmed that my email address was in their system, but would not provide any other information. Instead, I was forwarded to an application fraud representative who proceeded to for the reference number in the email and for my full name. He then asked for my date of birth. This is where I drew the line and got irate. My information was already confirmed in their system and their reference number for the fraudulent application was provided. There was no need for my date of birth or any other information. A victim of fraud would not disclose personal, confidential information, especially when Wells Fargo has documented instances of fraudulent activities by its own employees. All Wells Fargo needs to do is flag the application and delete it. I checked my credit report. There was an inquiry on my credit. Wells Fargo had accepted the application without doing any due diligence and now my credit score will be negatively impacted, my finances are at risk, and they have compromised my identity.

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 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: WI

Complaint narrative:
Someone in XXXX Texas apparently opened a utility account ( electricity service ) with my information. I've never live in XXXX TX, and have never opened an account there.. I am in a fact a resident of XXXX Wi. This is a direct and obvious case of Identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Let me first start off by saying I have been banking with chase for over 3 years and never had an issue. In XX/XX/2023 I received my commissions check from a company I have been doing business with for months and never had an issue. I deposited the check in my chase personal account on XXXX XXXX th check was placed on a hold from XX/XX/2023 until XXXX of XXXX. The money was released into my personal check account today. I withdraw $ XXXX cash and then withdraw $ XXXX cash which I needed a total of $ XXXX however the branch that gave the $ XXXX didnt have the full amount available. As soon as that was done my bank account is now frozen, I go to the local branch in XXXX GA off XXXX XXXX area and spoke with VP XXXX XXXX who called the issuing bank XXXX  to verify the check and it was verified by XXXX the funds are good, no stop payments, everything is good to go. However chase back office said that isnt good enough, we need to speak now with the person who gave you the check. Okay so I provide them with a number to call now chase is saying thats not good enough because that phone number isnt registered to the person name who gave me the check in XXXX XXXX which makes no sense because nowadays numbers arent registered in people names, chase is finding every excuse now to steal my money and I want it back now! I have been using the account with no problems so now why is it a problem! I want my money. Chase can not do this, is it because XXXX XXXX!! The money has cleared one bank, I need the money for my house bills and now chase is stealing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion will not accept my disputes. I have tried sending in letters, calling in, they say that the disputes were not submitted by me, which is ridiculous because I always submitted proof of my identity by sending a copy of my social and driver 's license, so how could it not be me? Please do a proper investigation into these accounts and delete them promptly, if they can not be verified.

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 2023-07-12 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: FL

Complaint narrative:
experian, XXXX and XXXX keep reporting a XXXX XXXX bill on my credit profile that doesnt belong to me. niether company wont tell me what address that this bill is attached to. this is messing me up from applying for apartments on top of it not belonging to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation