vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I called the company on XX/XX/XXXX to dispute a charges with XXXX. They sent me a letter dated XX/XX/XXXX stating it had been resolved in my favor. I called on XX/XX/XXXX to say it was not resolved because charges still on my card. They said I had to send a fax to the billing dispute section which I did on XX/XX/XXXX. I was assured no interest or late fees would be charged. No response as of XX/XX/XXXX so I called again. I was passed around from one person to the next. They would not even confirm receiving my fax. A supervisor was supposed to get back with me. I was assured again no interest or late fees will be charged because still disputing. I called again on XX/XX/XXXX because no response. XXXX confirmed nothing done since my call on XX/XX/XXXX. Assigned a new case number. Was supposed to get call from account manager. Assured again no interest or late fees to be charged. Still no response so sent another fax on XX/XX/XXXX. By XX/XX/XXXX, still no resolution or written communication to XX/XX/XXXX or XX/XX/XXXX fax so I called again. You get passed around from person to person with no one able to make a decision. Despite assurances no interest or late fees, I have been charged {$29.00} in late fees and {$29.00} in interest. I resolved my issue with directly with XXXX but I want these fees refunded to me. Barclays handling of this dispute is completely unacceptable.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I started a loan modification with Select Portfolio Services in XXXX during the pandemic, I filled out an application and I sumbitted everything to them and I always seemed to be missing something even though I sent them what they asked and I would always get a different answer when I spoke to somebody on the phone. I was appointed a relationship manager but anytime I asked to speak him/her it changed twice I was never was able to speak to them, I was told that anybody who answered could help me they all did the same thing. All calls were recorded and I have all documents that were sent to them via uploading them to there website. I hired XXXX XXXX XXXX in XX/XX/XXXX and I paid them very good money to help me with predatory lenders. I provided them with anything they ever asked me to and at first they were in constant communication with me. When I was near the end and my file was being sent to SPS for the final process I was passed onto another processor who did not communicate with me at all after I reached out to her multiple times via telephone and emails. I spoke with a manager today,XX/XX/XXXX her name is XXXX and I have started getting phone calls asking if I wanted to continue with a different processor. I am in communication with XXXX and hopefully can come to a resolution. I was granted a time frame by the local courts and relayed that to my processor who never responded and I missed the deadline and I am trying to get an extension from the court. I really would like to go through my mortgage co just to get a loan modification without all the delays which were not necessary

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Someone used my information to open up a Destiny Credit card under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On or about XXXX XXXX, 2024, Portfolio Recovery Associates ( PRA ), LLC, ( XXXX ) XXXX, a debt collection frim, called my cell phone number, ( XXXX ) XXXX and said there was an outstanding debt. My elderly mother could not get any more details at that time. Today, I contacted PRA to find out what this supposed debt was. I gave them the date and phone number that was called and they were unable or unwilling to provide any details. Instead they wanted to collect information on me such as my full name, address, and phone number. I explained if they have a legitimate unpaid debt associated with the number they called, now was the time to let me know and if it was legitimate, I would make arrangements to have it paid. If they were unable to provide the information the was nothing more I could do. This repeat offender company, recently ordered to pay XXXX Million in damages for unfair and deceptive practices, is at it again, harassing the elderly. I would like to know : XXXX. What is the alleged debt? 
XXXX. What is the amount supposedly owed? 
XXXX. When was the debt incurred? 
XXXX. By whom was the debt incurred? 
I want the phone calls to stop immediately. I do not consent to my personal information being shared with this predatory company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent in my dispute in on XX/XX/2023 i have not received anything back in pass the 30 days

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 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Stage Funding
State: IN

Complaint narrative:
XX/XX/XXXX. Company ran my credit and said I was approved with XXXX  % down payment because he was XXXX years old and doesn't fit they guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was denied a mortgage modification by Wells Fargo Bank 7 times. I was told initially to make 12 monthly payments on time. I would automatically would be given a loan modification ... After the 12 payments I was not given a modification. Then I was told I needed to miss payments. Then I could apply for a loan modification... I then reapplied for a loan modification and was denied a total of at least 7 times. My home was put up for foreclosure several times. I incurred additional late fees and attorney fees credit ruin, also had to file for Bankruptcy. This experience has been a very traumatic experience. I recently contacted Wells Fargo Bank XXXX XXXX and provided them information to review. Wells Fargo Bank initially informed me that they would have a decision by XX/XX/2023. The Wells Fargo Rep name is XXXX XXXX. Wells Fargo notified me on about XX/XX/XXXX by letter that I would know something by XXXX XXXX. XXXX XXXX called me XXXX XXXX and told me that Wells Fargo would not be able to offer me any relief ... XXXX XXXX also informed me I was denied 7 times. I asked to a speak to a Supervisor and he told me there was no one I could speak too. Even though in prior communication he told me he was working with his Supervisor and another department ... XXXX XXXX also informed me that he would be sending me documentation ... .The enforcement action that XXXX has issued against Wells Fargo is being violated in relation to my loan modification ... My number is XXXX. XXXX XXXX email is XXXX. Please someone contact me asap in desperate need for assistance.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I received a card with a bad magstrip. 
I called the number on the back of the phone which was about a 45-minute wait on XX/XX/23. They said they would send me a new one XX/XX/23 I haven't received a replacement so I call them back up and go through another 45-minute wait. They say to wait it out XX/XX/23 I call them up and tell them it still had not arrived. it's another 45 minutes they tell me to email XXXX because they left the apt number off my request. 
XX/XX/23 their email service says they can not find my claim. 
XX/XX/23 I send them the gift card number and the code on the back, and they say I will have to call the number which requires 45 minutes of waiting to get an 8-digit code for a case number. 

They have intentionally long hold times, they have been shuffling me around left and right. I have already spent about 4 hours trying to get a birthday gift to work. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
There is inaccurate personal information on my consumer 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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
My credit consumer report withholds inaccurate information communicated from XXXX, XXXX and TransUnion. I did not consent to any of these inaccuracies and have filed a complaint of the violation. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
These inaccuracies are a violation of my consumer rights to privacy, and a violation of each reporting agencies unfair reporting of inquiries that I did not consent to.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit consumer report withholds inaccurate information communicated from XXXX, Equifax and XXXX. I did not consent to any of these inaccuracies and have filed a complaint of the violation. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
These inaccuracies are a violation of my consumer rights to privacy, and a violation of each reporting agencies unfair reporting of inquiries that I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: MS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **all of the above has violated all or any of my rights..15. u.s.c. # 1681 section 602 A. STATES -a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted XXXX several times regarding this Fraudulent Account listed on my credit report. The First time of contact was XX/XX/XXXX I have sent in proof that the account was opened fraudulently as well as an FTC report. The company assured me over the phone that the account will be removed but each month reports the exact opposite to the credit bureau. XX/XX/XXXX I contacted the XXXX high risk department to let them The information they are reporting is a violation of my rights and the account was opened fraudulent the representative told me they closed the account and will continue reporting it to the credit bureaus. This company is reporting false information which violates my consumer rights which is a direct violation of The FCRA standards.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted XXXX several times regarding this Fraudulent Account listed on my credit report. The First time of contact was XX/XX/XXXX I have sent in proof that the account was opened fraudulently as well as an FTC report. The company assured me over the phone that the account will be removed but each month reports the exact opposite to the credit bureau. XX/XX/XXXX I contacted the XXXX high risk department to let them The information they are reporting is a violation of my rights and the account was opened fraudulent the representative told me they closed the account and will continue reporting it to the credit bureaus. This company is reporting false information which violates my consumer rights which is a direct violation of The FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am disputing the following Unauthorized tracacitions : PAYPAL XXXX {$55.00} Type, purchase Date XX/XX/2023 Location XXXX, CA, Status, Posted PAYPAL XXXX {$110.00} Type, purchase Date XX/XX/2023 Location XXXX, CA, Status, Posted PAYPAL XXXX {$55.00} Type, purchase Date XX/XX/2023 Location XXXX, CA, Status, Posted I did not puracase anything from from PAYPAY XXXX nor have I recieved anything form PAYPAL XXXX, I contacted PAYPAL they said they could not help and for me to make a claim with my bank. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Last month, I settled XXXX collection accounts that were since removed from my report. The settlements were supposed to be factored in and my credit score was due to increase as a result of the settlements. I have filed disputes with XXXX and Trans Union and haven't received any updates. It's also very difficult to get in touch with anyone at either company to explain why the accounts were simply removed and not factored in as paid accounts. Instead of updating my accounts with the paid, settled accounts, a new false account was added to my report which reduced my credit score by 60 points. This is a report that I also disputed right away because the debt was originally discharged in my bankruptcy. Attempts to collect this debt have been made before but this is the most recent attempt to add this information to my report. I am trying to raise my score in order to purchase a home but this false reporting and non reporting is a detriment.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has been paid and purchased by another lender. I have tried for a very long time to dispute this account from my credit report because this account was sold to another creditor and is paid in full. I am no longer responsible for this account and by law it should be removed from 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 2023-04-14 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: FL

Complaint narrative:
XXXX XXXX XXXX has been paid and purchased by another lender. I have tried for a very long time to dispute this account from my credit report because this account was sold to another creditor and is paid in full. I am no longer responsible for this account and by law it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: MD

Complaint narrative:
Last month, I settled XXXX collection accounts that were since removed from my report. The settlements were supposed to be factored in and my credit score was due to increase as a result of the settlements. I have filed disputes with Equifax and XXXX XXXX and haven't received any updates. It's also very difficult to get in touch with anyone at either company to explain why the accounts were simply removed and not factored in as paid accounts. Instead of updating my accounts with the paid, settled accounts, a new false account was added to my report which reduced my credit score by XXXX points. This is a report that I also disputed right away because the debt was originally XXXX in my bankruptcy. Attempts to collect this debt have been made before but this is the most recent attempt to add this information to my report. I am trying to raise my score in order to purchase a home but this false reporting and non reporting is a detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX you are reporting inaccurate personal information on my consumer report. I have file a dispute informing XXXX that my correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. I have provided as proof of my correct address my Massachusetts state issued driver license and utilities bills clearly showing my correct address. I demand that XXXX remove or delete ALL other inaccurate addresses from my consumer report immediately. I would like to remind XXXX you are violating the Fair Credit Reporting Act after I have notified you by continuing to report this inaccurate information after I have provided proof of my correct address. I have uploaded as proof of my correct address and utility bills for your review again. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
There is inaccurate personal information on my consumer 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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
There is inaccurate personal information on my consumer report.

Company response to consumer: Closed with explanation